Credit union · NCUA insured
ACCESS Credit Union CD Rates
ACCESS Credit Union’s best CD rate is 3.56% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How ACCESS Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where ACCESS Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ACCESS Credit Union
3.56%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $725
Share Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
ACCESS Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.56%
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 ACCESS 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 Certificate
Up to 3.56%APY · 7 terms
With initial $5.00 deposit into savings account and a one-time Membership Fee of $1.00, eligible for all Access Credit Union products and services. Dividends paid quarterly. Penalties apply for early withdrawals.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.30% | — | 3.30% | $164 |
| 12 months | 3.30% | — | 3.30% | $330 |
| 18 months | 3.30% | — | 3.30% | $499 |
| 24 months | — | 3.56% | 3.56% | $725 |
| 36 months | — | 3.56% | 3.56% | $1,106 |
| 48 months | — | 3.56% | 3.56% | $1,502 |
| 60 months | — | 3.56% | 3.56% | $1,911 |
Special-purpose accounts
Roth, Coverdell, SEP and Traditional IRA Certificates
Up to 3.56%APY · 7 terms
Applies to Roth, Coverdell ESA, SEP, and Traditional IRA certificates. With initial $5.00 deposit into savings account and a one-time Membership Fee of $1.00, eligible for all Access Credit Union products and services. Dividends paid quarterly. Penalties apply for early withdrawals.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.30% | — | 3.30% | $164 |
| 12 months | 3.30% | — | 3.30% | $330 |
| 18 months | 3.30% | — | 3.30% | $499 |
| 24 months | — | 3.56% | 3.56% | $725 |
| 36 months | — | 3.56% | 3.56% | $1,106 |
| 48 months | — | 3.56% | 3.56% | $1,502 |
| 60 months | — | 3.56% | 3.56% | $1,911 |
Who can join ACCESS Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.