# Velocity Credit Union CD and share certificate rates

As of October 22, 2026, Velocity Credit Union's highest tracked CD (share certificate) rate is 3.85% APY on a 12-month CD ($1,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 3.85% APY.

Canonical page: https://apyledger.com/cd-rates/velocity-credit-union
Institution: Velocity Credit Union (NCUA 68359)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:38.000Z (October 22, 2026)
Official source: https://www.velocitycu.com/rates/savings-rates/
Coverage: Membership required. Short-term and standard share certificates from 91 days to 5 years ($1,000 minimum), Mini-Jumbo ($20,000) and Jumbo ($90,000) certificates. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Mini-Jumbo | standard | 91 days | $20,000 | 2.55% | Not ZIP-priced | −1.75% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 3 Month Jumbo | standard | 3 months | $90,000 | 2.55% | Not ZIP-priced | −1.75% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 3 Month Short Term Certificate | standard | 91 days | $1,000 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 6 Month Mini-Jumbo | standard | 6 months | $20,000 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 6 Month Jumbo | standard | 6 months | $90,000 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 6 Month Short Term Certificate | standard | 6 months | $1,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 9 Month Mini-Jumbo | standard | 9 months | $20,000 | 3.80% | Not ZIP-priced | −0.68% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 9 Month Short Term Certificate | standard | 9 months | $1,000 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 12 Month Certificate | standard | 12 months | $1,000 | 3.85% | Not ZIP-priced | −0.72% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 1 Year Jumbo | standard | 12 months | $90,000 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 18 Month Certificate | standard | 18 months | $1,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 2 Year Certificate | standard | 24 months | $1,000 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 30 Month Certificate | standard | 30 months | $1,000 | 3.65% | Not ZIP-priced | −1.26% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 3 Year Certificate | standard | 36 months | $1,000 | 3.65% | Not ZIP-priced | −1.30% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 4 Year Certificate | standard | 48 months | $1,000 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |
| 5 Year Certificate | standard | 60 months | $1,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-23T02:11:38.000Z | [Snapshot 889](https://apyledger.com/snapshots/889) |

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.