# Visions Federal Credit Union CD and share certificate rates

As of October 22, 2026, Visions Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 24-month CD ($500 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.25% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/visions-federal-credit-union
Institution: Visions Federal Credit Union (NCUA 17429)
Aliases: 
Status: live
Last verified: 2026-10-22T23:54:20.000Z (October 22, 2026)
Official source: https://www.visionsfcu.org/rates/ira-rates
Coverage: Membership required. Fixed-rate personal share certificates only, generally with a $500 minimum; Lucky Savers and Youth certificates require $25. Youth certificates are for ages 13–17. The 42-month variable-rate certificate and IRA/HSA-only products are excluded. The 3-month and Lucky Savers certificates permit additional deposits under the source terms. Early withdrawal penalties 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 Share Certificate | standard | 3 months | $500 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 6-Month Share Certificate | standard | 6 months | $500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 12-Month Youth Share Certificate | special | 12 months | $25 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 12-Month Youth Share Certificate | special | 12 months | $25 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 12-Month Share Certificate | standard | 12 months | $500 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 18-Month Share Certificate | standard | 18 months | $500 | 3.65% | Not ZIP-priced | −1.07% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 24-Month Share Certificate | standard | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 30-Month Share Certificate | standard | 30 months | $500 | 3.75% | Not ZIP-priced | −1.16% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 36-Month Share Certificate | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 48-Month Share Certificate | standard | 48 months | $500 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |
| 60-Month Share Certificate | standard | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T23:54:20.000Z | [Snapshot 440](https://apyledger.com/snapshots/440) |

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.