Service Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, Service Federal Credit Union's highest tracked CD (share certificate) rate is 4.10% APY on a 12-month CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.35% to 4.10% APY.
Tracking began .
Service Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months, including 6-, 9- and 12-month offers; the 6-month certificate requires $250 and other terms $500. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Service Federal Credit Union's best CD rates by term?
Service Federal Credit Union's best rate is 4.10% APY on 12 months, verified October 23, 2026.
- 3 mo3.25%
- 6 mo4.00%
- 9 mo4.00%
- 11 mo3.20%
- 12 mo4.10%
- 15 mo3.10%
- 18 mo3.00%
- 24 mo3.00%
- 36 mo2.35%
- 48 mo2.45%
- 60 mo2.50%
How much interest could a Service Federal 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.
$410.00 interest · $10,410.00 at maturity on $10,000.00.
4.10% APY · 12 months · Share Certificate · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $40.033.25% APY · Share Certificate · Standard | $80.063.25% APY · Share Certificate · Standard | $200.143.25% APY · Share Certificate · Standard | $400.293.25% APY · Share Certificate · Standard |
| 6 months | $99.294.00% APY · Share Certificate · Standard | $198.594.00% APY · Share Certificate · Standard | $496.474.00% APY · Share Certificate · Standard | $992.934.00% APY · Share Certificate · Standard |
| 9 months | $149.404.00% APY · Share Certificate · Standard | $298.804.00% APY · Share Certificate · Standard | $747.004.00% APY · Share Certificate · Standard | $1,494.014.00% APY · Share Certificate · Standard |
| 11 months | $146.663.20% APY · Share Certificate · Standard | $293.323.20% APY · Share Certificate · Standard | $733.293.20% APY · Share Certificate · Standard | $1,466.583.20% APY · Share Certificate · Standard |
| 12 months | $205.004.10% APY · Share Certificate · Standard | $410.004.10% APY · Share Certificate · Standard | $1,025.004.10% APY · Share Certificate · Standard | $2,050.004.10% APY · Share Certificate · Standard |
| 15 months | $194.393.10% APY · Share Certificate · Standard | $388.773.10% APY · Share Certificate · Standard | $971.933.10% APY · Share Certificate · Standard | $1,943.863.10% APY · Share Certificate · Standard |
| 18 months | $226.893.00% APY · Share Certificate · Standard | $453.783.00% APY · Share Certificate · Standard | $1,134.453.00% APY · Share Certificate · Standard | $2,268.913.00% APY · Share Certificate · Standard |
| 24 months | $304.503.00% APY · Share Certificate · Standard | $609.003.00% APY · Share Certificate · Standard | $1,522.503.00% APY · Share Certificate · Standard | $3,045.003.00% APY · Share Certificate · Standard |
| 36 months | $360.852.35% APY · Share Certificate · Standard | $721.702.35% APY · Share Certificate · Standard | $1,804.242.35% APY · Share Certificate · Standard | $3,608.492.35% APY · Share Certificate · Standard |
| 48 months | $508.302.45% APY · Share Certificate · Standard | $1,016.612.45% APY · Share Certificate · Standard | $2,541.522.45% APY · Share Certificate · Standard | $5,083.032.45% APY · Share Certificate · Standard |
| 60 months | $657.042.50% APY · Share Certificate · Standard | $1,314.082.50% APY · Share Certificate · Standard | $3,285.212.50% APY · Share Certificate · Standard | $6,570.412.50% APY · Share Certificate · Standard |
How Service Federal 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 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 82 of 454 tracked institutions with fresh 365-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Service Federal Credit Union (this institution)Share Certificate · Standard | 12 months | $500 | Membership required · branches in MA, ND, NH | 4.10% | October 23, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.46% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Service Federal Credit Union on October 23, 2026.
How strong are Service Federal Credit Union's finances?
Ratios for Service Federal Credit Union (NCUA 24921) from its NCUA call report for the quarter ended June 30, 2026, next to the median of the credit unions we track. They describe the institution, not your deposit: share certificates are insured by the NCUA up to $250,000 per member, per ownership category, whatever these figures are.
| Measure | Service Federal Credit Union | Median, 219 tracked credit unions | What it means |
|---|---|---|---|
| Net worth ratio | 11.89% | 10.85% | Capital as a share of total assets. Above the 7% level regulators call well capitalized. |
| Delinquent loans (60+ days) | 2.60% | 0.70% | Loans two or more months past due, as a share of all loans. |
| Return on assets | 0.94% | 0.79% | Net income for the year so far, annualized, as a share of assets. |
Bank and credit union ratios use different definitions, so compare an institution with its own type. Source: NCUA call report data. Figures are as reported for the quarter and can change; they are not a rating.
About Service Federal Credit Union
- Legal name
- Service Federal Credit Union
- Regulator ID
- NCUA 24921
- Headquarters
- Portsmouth, NH
- Available in
- MA, ND, NH
- Total assets
- $6.7 billion
- Also known as
- Website
- www.servicecu.org
Source: rates read from https://servicecu.org/certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Service Federal Credit Union?
Among the rates we track, 4.10% APY on a 12-month CD, as of October 23, 2026.
What is the minimum deposit for a Service Federal Credit Union CD?
The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $500.
How does Service Federal Credit Union's best CD rate compare with Treasury yields?
4.10% APY is −0.36% versus the 12-month Treasury yield of 4.46% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.10% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 Service Federal Credit Union CDs insured?
Service Federal Credit Union is a federally insured credit union (NCUA 24921). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
How well capitalized is Service Federal Credit Union?
Service Federal Credit Union's net worth ratio was 11.89% at the end of June 30, 2026, above the 7% level regulators call well capitalized; the median of the credit unions we track is 10.85%. Insured deposits are covered up to $250,000 regardless.
What is a share certificate at Service Federal 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 Service Federal Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from Service Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Service Federal Credit Union before opening an account. This page is not financial advice.