Robins Financial Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Robins Financial Credit Union's highest tracked CD (share certificate) rate is 3.75% APY on a 7-month promotional CD ($500 minimum). That is 2.7 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.00% to 2.55% APY.
Tracking began .
Robins Financial Credit Union CD & share certificate rates
Membership required. Standard certificates, 7- and 11-month specials, the 12-month Easy Save ($100–$10,000) and the 15-month Super Saver ($100–$5,000). Most terms require $500. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 6 months | 6 Month Share Certificate | 1.00%Top 90% · $10k reference sampleVerified October 22, 2026 |
| 7 months | 7 Month Special Share Certificate Promotional | 3.75%Verified October 22, 2026 |
| 11 months | 11 Month Special Share Certificate Promotional | 3.55%Verified October 22, 2026 |
| 12 months | 12 Month Easy Save Share Certificate | 1.15%Top 90% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 1 Year Share Certificate | 1.15%Top 90% · $10k reference sampleVerified October 22, 2026 |
| 15 months | 15 Month Super Saver Share Certificate Special | 3.25%Verified October 22, 2026 |
| 18 months | 18 Month Share Certificate | 2.35%Top 85% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 2 Year Share Certificate | 2.40%Top 76% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 3 Year Share Certificate | 2.55%Top 70% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 4 Year Share Certificate | 2.55%Top 67% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 5 Year Share Certificate | 2.55%Top 70% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.75% APY (7 months). The standard rate for a similar term is 1.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $275 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Robins Financial Credit Union's best CD rates by term?
Robins Financial Credit Union's best rate is 3.75% APY on 7 months, verified October 22, 2026.
- 6 mo1.00%
- 7 mo3.75%
- 11 mo3.55%
- 12 mo1.15%
- 15 mo3.25%
- 18 mo2.35%
- 24 mo2.40%
- 36 mo2.55%
- 48 mo2.55%
- 60 mo2.55%
How much interest could a Robins Financial Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$217.16 interest · $10,217.16 at maturity on $10,000.00.
3.75% APY · 7 months · 7 Month Special Share Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $25.011.00% APY · 6 Month Share Certificate · Standard | $50.011.00% APY · 6 Month Share Certificate · Standard | $125.031.00% APY · 6 Month Share Certificate · Standard | $250.061.00% APY · 6 Month Share Certificate · Standard |
| 7 months | $108.583.75% APY · 7 Month Special Share Certificate · Promotional | $217.163.75% APY · 7 Month Special Share Certificate · Promotional | $542.893.75% APY · 7 Month Special Share Certificate · Promotional | $1,085.783.75% APY · 7 Month Special Share Certificate · Promotional |
| 11 months | $162.683.55% APY · 11 Month Special Share Certificate · Promotional | $325.353.55% APY · 11 Month Special Share Certificate · Promotional | $813.383.55% APY · 11 Month Special Share Certificate · Promotional | $1,626.763.55% APY · 11 Month Special Share Certificate · Promotional |
| 12 months | $57.501.15% APY · 12 Month Easy Save Share Certificate · Standard | $115.001.15% APY · 12 Month Easy Save Share Certificate · Standard | $287.501.15% APY · 12 Month Easy Save Share Certificate · Standard | $575.001.15% APY · 12 Month Easy Save Share Certificate · Standard |
| 15 months | $203.833.25% APY · 15 Month Super Saver Share Certificate · Special | $407.663.25% APY · 15 Month Super Saver Share Certificate · Special | $1,019.153.25% APY · 15 Month Super Saver Share Certificate · Special | $2,038.303.25% APY · 15 Month Super Saver Share Certificate · Special |
| 18 months | $177.452.35% APY · 18 Month Share Certificate · Standard | $354.892.35% APY · 18 Month Share Certificate · Standard | $887.232.35% APY · 18 Month Share Certificate · Standard | $1,774.462.35% APY · 18 Month Share Certificate · Standard |
| 24 months | $242.882.40% APY · 2 Year Share Certificate · Standard | $485.762.40% APY · 2 Year Share Certificate · Standard | $1,214.402.40% APY · 2 Year Share Certificate · Standard | $2,428.802.40% APY · 2 Year Share Certificate · Standard |
| 36 months | $392.342.55% APY · 3 Year Share Certificate · Standard | $784.672.55% APY · 3 Year Share Certificate · Standard | $1,961.682.55% APY · 3 Year Share Certificate · Standard | $3,923.372.55% APY · 3 Year Share Certificate · Standard |
| 48 months | $529.842.55% APY · 4 Year Share Certificate · Standard | $1,059.682.55% APY · 4 Year Share Certificate · Standard | $2,649.212.55% APY · 4 Year Share Certificate · Standard | $5,298.412.55% APY · 4 Year Share Certificate · Standard |
| 60 months | $670.852.55% APY · 5 Year Share Certificate · Standard | $1,341.702.55% APY · 5 Year Share Certificate · Standard | $3,354.262.55% APY · 5 Year Share Certificate · Standard | $6,708.522.55% APY · 5 Year Share Certificate · Standard |
How Robins Financial Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 37 of 63 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Robins Financial Credit Union (this institution)7 Month Special Share Certificate · Promotional | 7 months | $500 | Coverage: GA | 3.75% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 7 months | Not stated | Nationwide; check eligibility | 3.60% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Coverage: MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Robins Financial Credit Union on October 22, 2026.
About Robins Financial Credit Union
- Legal name
- Robins Financial Credit Union
- Regulator ID
- NCUA 68670
- Headquarters
- Warner Robins, GA
- Available in
- GA
- Total assets
- $5.0 billion
- Also known as
- Website
- www.robinsfcu.org
Source: rates read from https://www.robinsfcu.org/rates/dividend/share-certificates-ira-share-certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Robins Financial Credit Union?
Among the rates we track, 3.75% APY on a 7-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Robins Financial Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $500.
How does Robins Financial Credit Union's best CD rate compare with Treasury yields?
3.75% APY is −0.68% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.75% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Robins Financial Credit Union CDs insured?
Robins Financial Credit Union is a federally insured credit union (NCUA 68670). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Robins Financial Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Robins Financial Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Robins Financial Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Robins Financial Credit Union before opening an account. This page is not financial advice.