Credit union · NCUA insured
1st Mississippi Federal Credit Union CD Rates
1st Mississippi Federal Credit Union’s best CD rate is 2.53% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How 1st Mississippi Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Meridian, MS, where 1st Mississippi Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Mississippi Federal Credit Union
2.53%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $253
Share Certificates
Top rate
The Commercial Bank
4.50%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,462
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
1st Mississippi Federal Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo1.77%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.27%
- QualifiedQualified2.53%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Mississippi Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 2.53%APY · 8 terms
Traditional Certificates require a minimum deposit of $500. Deposits insured through NCUA up to at least $250,000 with IRA deposits insured separately up to $250,000. Early withdrawal penalties apply. All rates listed are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 1.75% | 1.77% | $88 |
| 12 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.50% | 2.53% | $253 |
| 18 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.50% | 2.53% | $382 |
| 24 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.50% | 2.53% | $512 |
| 30 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.25% | 2.27% | $577 |
| 36 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.25% | 2.27% | $697 |
| 48 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.25% | 2.27% | $939 |
| 60 monthsEarly withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.25% | 2.27% | $1,188 |
Who can join 1st Mississippi Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.