# United States Senate Federal Credit Union CD and share certificate rates

As of October 22, 2026, United States Senate Federal Credit Union's highest tracked CD (share certificate) rate is 3.10% APY on a 60-month CD ($200,000 minimum). That is 2.2 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.01% to 3.10% APY.

Canonical page: https://apyledger.com/cd-rates/united-states-senate-federal-credit-union
Institution: United States Senate Federal Credit Union (NCUA 624)
Aliases: USSFCU
Status: live
Last verified: 2026-10-23T02:27:29.000Z (October 22, 2026)
Official source: https://www.ussfcu.org/resources/rates/rates.html
Coverage: Membership required. Share certificates from 3 to 60 months quoted by balance tier, including $200,000+ jumbo rates. Share and Bump Rate certificates require a $1,000 minimum opening deposit. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Smart Share Certificate | standard | 3 months | $200,000 | 1.11% | Not ZIP-priced | −3.18% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 3 months | $100,000 | 1.06% | Not ZIP-priced | −3.23% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 3 months | $1,000 | 1.01% | Not ZIP-priced | −3.29% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 6 months | $200,000 | 2.63% | Not ZIP-priced | −1.77% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 6 months | $100,000 | 2.58% | Not ZIP-priced | −1.82% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 6 months | $1,000 | 2.53% | Not ZIP-priced | −1.87% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 12 months | $200,000 | 2.89% | Not ZIP-priced | −1.68% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 12 months | $100,000 | 2.84% | Not ZIP-priced | −1.73% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 12 months | $1,000 | 2.79% | Not ZIP-priced | −1.78% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 24 months | $200,000 | 2.94% | Not ZIP-priced | −1.93% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 24 months | $100,000 | 2.89% | Not ZIP-priced | −1.98% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 24 months | $1,000 | 2.84% | Not ZIP-priced | −2.03% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 36 months | $200,000 | 2.99% | Not ZIP-priced | −1.96% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 36 months | $100,000 | 2.94% | Not ZIP-priced | −2.01% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 36 months | $1,000 | 2.89% | Not ZIP-priced | −2.06% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 36 months | $200,000 | 2.89% | Not ZIP-priced | −2.06% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 36 months | $100,000 | 2.84% | Not ZIP-priced | −2.11% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 36 months | $1,000 | 2.79% | Not ZIP-priced | −2.16% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 48 months | $200,000 | 3.05% | Not ZIP-priced | −1.93% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 48 months | $100,000 | 2.99% | Not ZIP-priced | −1.99% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 48 months | $1,000 | 2.94% | Not ZIP-priced | −2.04% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 48 months | $200,000 | 2.94% | Not ZIP-priced | −2.04% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 48 months | $100,000 | 2.89% | Not ZIP-priced | −2.09% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 48 months | $1,000 | 2.84% | Not ZIP-priced | −2.14% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 60 months | $200,000 | 3.10% | Not ZIP-priced | −1.91% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 60 months | $100,000 | 3.05% | Not ZIP-priced | −1.96% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Smart Share Certificate | standard | 60 months | $1,000 | 2.99% | Not ZIP-priced | −2.02% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 60 months | $200,000 | 2.99% | Not ZIP-priced | −2.02% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 60 months | $100,000 | 2.94% | Not ZIP-priced | −2.07% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |
| Personal Bump Rate Certificate | standard | 60 months | $1,000 | 2.89% | Not ZIP-priced | −2.12% | 2026-10-23T02:27:29.000Z | [Snapshot 896](https://apyledger.com/snapshots/896) |

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.