Credit union · NCUA insured
Affinity Plus CD Rates
Affinity Plus’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 3 months to 66 months. Rates checked October 16, 2026.
How Affinity Plus’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Affinity Plus has the most branches. $10,000, best rate first.
This credit union’s best
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Basic Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Affinity Plus CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Plus 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.
Basic Certificate
Up to 4.50%APY · 14 terms
Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.80% | $188 |
| 9 months | 3.90% | $291 |
| 12 months | 3.80% | $380 |
| 13 months | 4.25% | $461 |
| 18 months | 4.35% | $660 |
| 24 months | 4.00% | $816 |
| 30 months | 4.45% | $1,150 |
| 36 months | 4.00% | $1,249 |
| 42 months | 3.70% | $1,356 |
| 48 months | 4.00% | $1,699 |
| 54 months | 3.75% | $1,802 |
| 60 months | 4.50% | $2,462 |
| 66 months | 3.75% | $2,244 |
Certificate Builder
1.00%APY · 1 term
Allows unlimited deposits with no maximum on number or amount of deposits. Online funding limits apply ($5,000 limit on first online deposit / external transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
Wahoo Certificate
1.00%APY · 1 term
Allows unlimited number of deposits up to a maximum balance of $25,000. Provides 1 withdrawal without penalty before maturity. Online funding limits apply ($5,000 limit on first online deposit / external transfers). Renews automatically at maturity. Dividends compound monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
Special-purpose accounts
Basic Certificate (IRA)
Up to 4.50%APY · 3 terms
IRA Certificate dividends must accrue on the certificate. Early withdrawal penalties may apply. Terms available: 12, 36, 60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 36 months | 4.00% | $1,249 |
| 60 months | 4.50% | $2,462 |
Certificate Builder (IRA)
1.00%APY · 1 term
Unlimited deposits allowed. IRA Certificate dividends must accrue on the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
Wahoo Certificate (IRA)
1.00%APY · 1 term
One no-penalty withdrawal allowed. IRA Certificate dividends must accrue on the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
Who can join Affinity Plus
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.