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

As of October 22, 2026, St. Mary's Credit Union's highest tracked CD (share certificate) rate is 4.20% APY on an 18-month relationship CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.50% to 3.95% APY.

Canonical page: https://apyledger.com/cd-rates/st-marys-credit-union
Institution: St. Mary'S Credit Union (NCUA 67864)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:09.000Z (October 22, 2026)
Official source: https://www.stmaryscu.org/services/tools/rates.html
Coverage: Membership required. Certificates from 3 to 60 months ($500 minimum), with standard, relationship, jumbo and relationship bump-up rate sets. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Relationship Certificate | relationship | 3 months | $500 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 3 months | $100,000 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 3 months | $500 | 3.35% | Not ZIP-priced | −0.94% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 3 months | $100,000 | 3.35% | Not ZIP-priced | −0.94% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 6 months | $100,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 6 months | $500 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 6 months | $100,000 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 9 months | $500 | 3.85% | Not ZIP-priced | −0.63% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 9 months | $100,000 | 3.85% | Not ZIP-priced | −0.63% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 9 months | $500 | 3.70% | Not ZIP-priced | −0.78% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 9 months | $100,000 | 3.70% | Not ZIP-priced | −0.78% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 12 months | $500 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 12 months | $100,000 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 12 months | $500 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 12 months | $100,000 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 15 months | $500 | 4.10% | Not ZIP-priced | −0.55% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 15 months | $100,000 | 4.10% | Not ZIP-priced | −0.55% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 15 months | $500 | 3.85% | Not ZIP-priced | −0.80% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 15 months | $100,000 | 3.85% | Not ZIP-priced | −0.80% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 18 months | $500 | 4.20% | Not ZIP-priced | −0.52% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 18 months | $100,000 | 4.20% | Not ZIP-priced | −0.52% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 18 months | $500 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 18 months | $100,000 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 24 months | $100,000 | 3.70% | Not ZIP-priced | −1.17% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 24 months | $500 | 3.45% | Not ZIP-priced | −1.42% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 24 months | $100,000 | 3.45% | Not ZIP-priced | −1.42% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 24 months | $500 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Bump-Up Certificate | relationship | 30 months | $500 | 2.75% | Not ZIP-priced | −2.16% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Bump-Up Jumbo Certificate | relationship | 30 months | $100,000 | 2.75% | Not ZIP-priced | −2.16% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Bump-Up Certificate | standard | 30 months | $500 | 2.50% | Not ZIP-priced | −2.41% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Bump-Up Jumbo Certificate | standard | 30 months | $100,000 | 2.50% | Not ZIP-priced | −2.41% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 36 months | $100,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 36 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 36 months | $100,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 36 months | $500 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 48 months | $100,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 48 months | $500 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 48 months | $100,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Jumbo Certificate | relationship | 60 months | $100,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Relationship Certificate | relationship | 60 months | $500 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Jumbo Certificate | standard | 60 months | $100,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |
| Certificate | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-23T02:11:09.000Z | [Snapshot 881](https://apyledger.com/snapshots/881) |

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.