# Red Canoe Credit Union CD and share certificate rates

As of October 22, 2026, Red Canoe Credit Union's highest tracked CD (share certificate) rate is 3.30% APY on a 6-month CD ($500 minimum). That is 2.4 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.10% to 3.30% APY.

Canonical page: https://apyledger.com/cd-rates/red-canoe-credit-union
Institution: Red Canoe Credit Union (NCUA 68196)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:52.000Z (October 22, 2026)
Official source: https://www.redcanoecu.com/rates
Coverage: Membership required. Share certificates from 3 to 60 months with a $500 minimum, including a 6-month Easy Saver and a 12-month Flex certificate. 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 Certificate | standard | 3 months | $500 | 2.10% | Not ZIP-priced | −2.19% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 6 Month Easy Saver Certificate | standard | 6 months | Not stated | 3.30% | Not ZIP-priced | −1.10% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 6 Month Certificate | standard | 6 months | $500 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 12 Month Certificate | standard | 12 months | $500 | 3.20% | Not ZIP-priced | −1.37% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 12 Month Flex Certificate | standard | 12 months | $500 | 2.95% | Not ZIP-priced | −1.62% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 18 Month Certificate | standard | 18 months | $500 | 3.00% | Not ZIP-priced | −1.72% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 24 Month Certificate | standard | 24 months | $500 | 2.90% | Not ZIP-priced | −1.97% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 36 Month Certificate | standard | 36 months | $500 | 2.85% | Not ZIP-priced | −2.10% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 48 Month Certificate | standard | 48 months | $500 | 2.80% | Not ZIP-priced | −2.18% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |
| 60 Month Certificate | standard | 60 months | $500 | 2.70% | Not ZIP-priced | −2.31% | 2026-10-23T02:10:52.000Z | [Snapshot 872](https://apyledger.com/snapshots/872) |

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.