# Quorum Federal Credit Union CD and share certificate rates

As of October 22, 2026, Quorum Federal Credit Union's highest tracked CD (share certificate) rate is 5.00% APY on a 48-month CD ($100 minimum). That is 3.8 times the FDIC national average for 48-month CDs (1.31%). Standard CD rates range from 1.75% to 5.00% APY.

Canonical page: https://apyledger.com/cd-rates/quorum-federal-credit-union
Institution: Quorum Federal Credit Union (NCUA 22769)
Aliases: 
Status: live
Last verified: 2026-10-22T16:24:31.000Z (October 22, 2026)
Official source: https://www.quorumfcu.org/rates
Coverage: Membership required. Fixed-rate term accounts (certificates) from 3 to 60 months with a $100 minimum deposit; dividends compound and are paid monthly. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3-Month Term Account | standard | 3 months | $100 | 1.75% | Not ZIP-priced | −2.54% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |
| 6-Month Term Account | standard | 6 months | $100 | 4.40% | Not ZIP-priced | +0.00% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |
| 12-Month Term Account | standard | 12 months | $100 | 4.50% | Not ZIP-priced | −0.07% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |
| 18-Month Term Account | standard | 18 months | $100 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |
| 24-Month Term Account | standard | 24 months | $100 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |
| 36-Month Term Account | standard | 36 months | $100 | 4.90% | Not ZIP-priced | −0.05% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |
| 48-Month Term Account | standard | 48 months | $100 | 5.00% | Not ZIP-priced | +0.02% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |
| 60-Month Term Account | standard | 60 months | $100 | 5.00% | Not ZIP-priced | −0.01% | 2026-10-22T16:24:31.000Z | [Snapshot 396](https://apyledger.com/snapshots/396) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.