# Redstone Federal Credit Union CD and share certificate rates

As of October 22, 2026, Redstone Federal Credit Union's highest tracked CD (share certificate) rate is 4.59% APY on a 120-month CD. That is 3.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.60% to 4.59% APY.

Canonical page: https://apyledger.com/cd-rates/redstone-federal-credit-union
Institution: Redstone Federal Credit Union (NCUA 7544)
Aliases: 
Status: live
Last verified: 2026-10-23T01:49:48.000Z (October 22, 2026)
Official source: https://www.redfcu.org/personal/resources/rates/
Coverage: Membership required. Compounding APYs for fixed-rate share certificates from 6 to 120 months, including Member’s Choice, regular and jumbo certificates, plus 6-month Starter and 12-month No-Penalty certificates. Opening minimums are not stated in this rate section. Non-compounding payout options and 144-month certificates are outside this collection scope. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 6 months | Not stated | 3.97% | Not ZIP-priced | −0.43% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 6 months | Not stated | 3.65% | Not ZIP-priced | −0.75% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Special Offer - Starter Share Certificate | promotional | 6 months | Not stated | 3.44% | Not ZIP-priced | −0.96% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 12 months | Not stated | 4.13% | Not ZIP-priced | −0.44% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 12 months | Not stated | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Special Offer - No-Penalty Share Certificate | promotional | 12 months | Not stated | 2.98% | Not ZIP-priced | −1.59% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 18 months | Not stated | 3.92% | Not ZIP-priced | −0.80% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 18 months | Not stated | 3.60% | Not ZIP-priced | −1.12% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 24 months | Not stated | 4.02% | Not ZIP-priced | −0.85% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 24 months | Not stated | 3.70% | Not ZIP-priced | −1.17% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 36 months | Not stated | 4.13% | Not ZIP-priced | −0.82% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 36 months | Not stated | 3.80% | Not ZIP-priced | −1.15% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 36 months | Not stated | 3.70% | Not ZIP-priced | −1.25% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 48 months | Not stated | 4.18% | Not ZIP-priced | −0.80% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 48 months | Not stated | 3.85% | Not ZIP-priced | −1.13% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 48 months | Not stated | 3.75% | Not ZIP-priced | −1.23% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 60 months | Not stated | 4.23% | Not ZIP-priced | −0.78% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 60 months | Not stated | 3.91% | Not ZIP-priced | −1.10% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 60 months | Not stated | 3.80% | Not ZIP-priced | −1.21% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 72 months | Not stated | 4.39% | Not ZIP-priced | −0.66% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 72 months | Not stated | 4.06% | Not ZIP-priced | −0.99% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 72 months | Not stated | 3.96% | Not ZIP-priced | −1.09% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 84 months | Not stated | 4.44% | Not ZIP-priced | −0.65% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 84 months | Not stated | 4.11% | Not ZIP-priced | −0.98% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 84 months | Not stated | 4.01% | Not ZIP-priced | −1.08% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 96 months | Not stated | 4.49% | Not ZIP-priced | −0.64% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 96 months | Not stated | 4.16% | Not ZIP-priced | −0.97% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 96 months | Not stated | 4.06% | Not ZIP-priced | −1.07% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 108 months | Not stated | 4.54% | Not ZIP-priced | −0.62% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 108 months | Not stated | 4.22% | Not ZIP-priced | −0.94% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 108 months | Not stated | 4.11% | Not ZIP-priced | −1.05% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Jumbo Certificate | standard | 120 months | Not stated | 4.59% | Not ZIP-priced | −0.61% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Share Certificate | standard | 120 months | Not stated | 4.27% | Not ZIP-priced | −0.93% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |
| Member's Choice Share Certificate | standard | 120 months | Not stated | 4.16% | Not ZIP-priced | −1.04% | 2026-10-23T01:49:48.000Z | [Snapshot 741](https://apyledger.com/snapshots/741) |

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.