Wellby Financial CD & Share Certificate Rates — October 2026
As of October 22, 2026, Wellby Financial's highest tracked CD (share certificate) rate is 4.00% APY on an 18-month special CD ($1,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.00% to 3.75% APY.
Tracking began .
Wellby Financial CD & share certificate rates
Wellby Financial was formerly JSC Federal Credit Union. Membership required. Certificates from 6 to 60 months with a $1,000 minimum, quoted at standard and BUMP APYs. Early withdrawal penalties are listed by term.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Certificate BUMP Special | $1,000 | 3.25% | −1.15% | Top 58% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate | $1,000 | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Certificate BUMP Special | $1,000 | 3.75% | −0.82% | Top 44% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $1,000 | 3.50% | −1.07% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate BUMP Special | $1,000 | 4.00% | −0.72% | Top 29% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate | $1,000 | 3.75% | −0.97% | Top 42% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate BUMP Special | $1,000 | 3.85% | −1.02% | Top 30% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $1,000 | 3.60% | −1.27% | Top 44% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate BUMP Special | $1,000 | 3.75% | −1.20% | Top 31% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $1,000 | 3.50% | −1.45% | Top 41% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate BUMP Special | $1,000 | 3.75% | −1.23% | Top 26% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $1,000 | 3.50% | −1.48% | Top 38% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate BUMP Special | $1,000 | 3.75% | −1.26% | Top 31% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $1,000 | 3.50% | −1.51% | Top 42% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Wellby Financial's best CD rates by term?
Wellby Financial's best rate is 4.00% APY on 18 months, verified October 22, 2026.
- 6 mo3.25%
- 12 mo3.75%
- 18 mo4.00%
- 24 mo3.85%
- 36 mo3.75%
- 48 mo3.75%
- 60 mo3.75%
How much interest could a Wellby Financial CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$606.53 interest · $10,606.53 at maturity on $10,000.00.
4.00% APY · 18 months · Certificate BUMP · Special · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $80.823.25% APY · Certificate BUMP · Special | $161.653.25% APY · Certificate BUMP · Special | $404.113.25% APY · Certificate BUMP · Special | $808.233.25% APY · Certificate BUMP · Special |
| 12 months | $187.503.75% APY · Certificate BUMP · Special | $375.003.75% APY · Certificate BUMP · Special | $937.503.75% APY · Certificate BUMP · Special | $1,875.003.75% APY · Certificate BUMP · Special |
| 18 months | $303.274.00% APY · Certificate BUMP · Special | $606.534.00% APY · Certificate BUMP · Special | $1,516.334.00% APY · Certificate BUMP · Special | $3,032.654.00% APY · Certificate BUMP · Special |
| 24 months | $392.413.85% APY · Certificate BUMP · Special | $784.823.85% APY · Certificate BUMP · Special | $1,962.063.85% APY · Certificate BUMP · Special | $3,924.113.85% APY · Certificate BUMP · Special |
| 36 months | $583.863.75% APY · Certificate BUMP · Special | $1,167.713.75% APY · Certificate BUMP · Special | $2,919.293.75% APY · Certificate BUMP · Special | $5,838.573.75% APY · Certificate BUMP · Special |
| 48 months | $793.253.75% APY · Certificate BUMP · Special | $1,586.503.75% APY · Certificate BUMP · Special | $3,966.263.75% APY · Certificate BUMP · Special | $7,932.523.75% APY · Certificate BUMP · Special |
| 60 months | $1,010.503.75% APY · Certificate BUMP · Special | $2,021.003.75% APY · Certificate BUMP · Special | $5,052.503.75% APY · Certificate BUMP · Special | $10,104.993.75% APY · Certificate BUMP · Special |
How Wellby Financial compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 73 of 295 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Wellby Financial (this institution)Certificate BUMP · Special | 18 months | $1,000 | Membership required · branches in TX | 4.00% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 18 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Wellby Financial on October 22, 2026.
About Wellby Financial
- Legal name
- Jsc Federal Credit Union
- Regulator ID
- NCUA 14762
- Headquarters
- Houston, TX
- Available in
- TX
- Total assets
- $2.7 billion
- Also known as
- JSC Federal Credit Union, JSC FCU
- Website
- www.wellbyfinancial.com
Source: rates read from https://www.wellbyfinancial.com/savings/certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Wellby Financial?
Among the rates we track, 4.00% APY on an 18-month special CD, as of October 22, 2026.
What is the minimum deposit for a Wellby Financial CD?
The lowest minimum we found is $1,000.
How does Wellby Financial's best CD rate compare with Treasury yields?
4.00% APY is −0.72% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Wellby Financial CDs insured?
Wellby Financial is a federally insured credit union (NCUA 14762). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Wellby Financial?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Wellby Financial's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Wellby Financial's website and may change at any time. Confirm terms, minimums and eligibility with Wellby Financial before opening an account. This page is not financial advice.