Credit union · NCUA insured
Affinity Credit Union CD Rates
Affinity Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 1 year to 3 years. Rates checked October 16, 2026.
How Affinity Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Affinity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Affinity Credit Union
4.06%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $406
Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Affinity Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.06%
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 Affinity 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.
Certificates
Up to 4.06%APY · 4 terms
Penalty may be imposed for early withdrawal. Dividends compounded quarterly (36-month compounded yearly). Minimum balance required to earn stated APY.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsDividends compounded quarterly | 1.26% | 4.06% | 4.06%1.26% from $1k | $406 |
| 18 monthsDividends compounded quarterly | 1.26% | 3.80% | 3.80%1.26% from $1k | $575 |
| 24 monthsDividends compounded quarterly | 1.76% | 3.55% | 3.55%1.76% from $1k | $723 |
| 36 monthsDividends compounded yearly | 1.75% | 3.25% | 3.25%1.75% from $1k | $1,007 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 1.76%APY · 4 terms
Penalty may be imposed for early withdrawal. Traditional, Roth, and Coverdell IRAs available. Dividends compounded quarterly (36-month compounded yearly). Minimum balance required to earn stated APY.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsDividends compounded quarterly | 1.26% | 1.75% | 1.26%1.75% from $25k | $126 |
| 18 monthsDividends compounded quarterly | 1.26% | 2.02% | 1.26%2.02% from $25k | $190 |
| 24 monthsDividends compounded quarterly | 1.76% | 2.52% | 1.76%2.52% from $25k | $355 |
| 36 monthsDividends compounded yearly | 1.75% | 2.50% | 1.75%2.50% from $25k | $534 |
Sources (3)
- affinitycuia.org/certificate-of-deposit
- affinitycuia.org/personal-accounts/iras
- affinitycuia.org/rates/certificates-of-deposit
All captured Sep 18, 2026
Invest In Me College Certificate
1.76%APY
Available to members under the age of 18. Additional deposits can be made in $25 increments. Upon maturity, the certificate rolls over until the owner is 18 or no longer enrolled in college. Early withdrawals subject to 180 days dividend penalty, except for qualified education expenses or redemption on/after age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly. Rates as of 2/10/2025.$100 and up | 1.76% | $176 | Dividends compounded quarterly. Rates as of 2/10/2025. |
Sources (2)
All captured Sep 18, 2026
Who can join Affinity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Polk, Boone, Story, Marshall, Dallas, Jasper, Madison, Warren, Marion, Adams, Union, Page, Taylor, or Ringgold counties.
Employers and groups
- Eligibility is open to employees of Affinity Credit Union's Select Employee Groups.
Family and household
- Eligibility is open to individuals who have a family member who is an existing member of Affinity Credit Union.
Membership information collected October 4, 2026.