Credit union · NCUA insured
705 FCU CD Rates
Top Carrot705 FCU’s best CD rate is 2.53% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How 705 FCU’s CD rates compare
Compared with banks and credit unions near Lafayette, LA, where 705 FCU has the most branches. $10,000, best rate first.
This credit union’s best
705 FCU
2.53%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $126
Share Certificate
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
705 FCU CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.22%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.02%
- 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 705 FCU 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 Certificate
Up to 2.53%APY · 6 terms
Must deposit or have on deposit par value of one full share ($25.00) to open an account. Fixed rate and term. Penalties will be imposed for early withdrawal; fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit required to receive advertised APY. Penalties will be imposed for early withdrawal | 2.53% | $126 |
| 12 monthsMinimum opening deposit required to receive advertised APY. Penalties will be imposed for early withdrawal | 2.22% | $222 |
| 18 monthsMinimum opening deposit required to receive advertised APY. Penalties will be imposed for early withdrawal | 2.02% | $304 |
| 24 monthsMinimum opening deposit required to receive advertised APY. Penalties will be imposed for early withdrawal | 2.02% | $407 |
| 36 monthsMinimum opening deposit required to receive advertised APY. Penalties will be imposed for early withdrawal | 2.02% | $617 |
| 48 monthsMinimum opening deposit required to receive advertised APY. Penalties will be imposed for early withdrawal | 2.02% | $831 |
Sources (3)
All captured Sep 18, 2026
Who can join 705 FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and retired employees of partner Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Current and retired employees of specified federal government entities and the USPS in the 705 Zip Code Area are eligible for membership.
- Current and retired employees of eligible local government entities (such as Lafayette Clerk of Court, Iberia Clerk of Court, City of Carencro, and contracted Lafayette Sheriff Department deputies) are eligible for membership.
Family and household
- Family members of a current 705 FCU member and spouses of deceased employees who qualified for membership are eligible to join.
Cost to join
- Members must maintain a $25 share deposit in their savings account at all times.
Membership information collected October 5, 2026.