# St. Anne's Credit Union CD and share certificate rates

As of October 22, 2026, St. Anne's Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on an 18-month CD ($1,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.05% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/st-annes-credit-union
Institution: St. Anne'S Credit Union (NCUA 67605)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:13.000Z (October 22, 2026)
Official source: https://www.stannes.com/deposit-rates
Coverage: Membership required. Certificates from 3 to 60 months with a $1,000 minimum deposit. IRA certificates are excluded. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificates | standard | 3 months | $1,000 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 6 months | $1,000 | 3.15% | Not ZIP-priced | −1.25% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 9 months | $1,000 | 3.05% | Not ZIP-priced | −1.43% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 12 months | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 18 months | $1,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 24 months | $1,000 | 3.35% | Not ZIP-priced | −1.52% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 36 months | $1,000 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 48 months | $1,000 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |
| Certificates | standard | 60 months | $1,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T16:25:13.000Z | [Snapshot 402](https://apyledger.com/snapshots/402) |

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.