# Service Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/service-federal-credit-union
Institution: Service Federal Credit Union (NCUA 24921)
Aliases: 
Status: live
Last verified: 2026-10-23T11:29:43.000Z (October 23, 2026)
Official source: https://servicecu.org/certificates/
Coverage: 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.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $500 | 3.25% | Not ZIP-priced | −1.01% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 6 months | $250 | 4.00% | Not ZIP-priced | −0.34% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 9 months | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 11 months | $500 | 3.20% | Not ZIP-priced | −1.24% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 12 months | $500 | 4.10% | Not ZIP-priced | −0.36% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 15 months | $500 | 3.10% | Not ZIP-priced | −1.42% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 18 months | $500 | 3.00% | Not ZIP-priced | −1.58% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 24 months | $500 | 3.00% | Not ZIP-priced | −1.70% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 36 months | $500 | 2.35% | Not ZIP-priced | −2.43% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 48 months | $500 | 2.45% | Not ZIP-priced | −2.36% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |
| Share Certificate | standard | 60 months | $500 | 2.50% | Not ZIP-priced | −2.34% | 2026-10-23T11:29:43.000Z | [Snapshot 993](https://apyledger.com/snapshots/993) |

Financial ratios (NCUA call report, quarter ended 2026-06-30; median of tracked credit unions in parentheses): Net worth ratio 11.89% (10.85%); Delinquent loans (60+ days) 2.60% (0.70%); Return on assets 0.94% (0.79%). These describe the institution; insured deposits are covered up to $250,000 regardless.

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.