Best credit union CD rates in North Dakota
Empeople Credit Union has the highest APY in this tracked sample of 4 institutions: 4.40% APY for 18 months, verified October 22, 2026.
These institutions list North Dakota in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Empeople Credit Union | 18 months18 Month Certificate · Standard | $500 | Membership required · branches in 7 states | 4.40% | October 22, 2026 Source text |
| Service Federal Credit Union | 12 monthsShare Certificate · Standard | $500 | Membership required · branches in MA, ND, NH | 4.10% | October 23, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
| Credit Union 1 | 12 monthsShare Certificate (CD) · Standard | $1,000 | Membership required · branches in 9 states | 3.25% | October 23, 2026 Source text |
Compare with public benchmarks
The highest tracked quote is 4.40% APY for 18 months. The Treasury APY-equivalent for a similar term is 4.58% (2026-10-22). The FDIC national average for a similar term is 1.55% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Empeople Credit Union has the highest APY in this tracked sample of 4 institutions: 4.40% APY for 18 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes