Credit union · NCUA insured
AFL-CIO Employees Federal Credit Union CD Rates
AFL-CIO Employees Federal Credit Union’s best CD rate is 3.66% APY on an 8-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How AFL-CIO Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where AFL-CIO Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AFL-CIO Employees Federal Credit Union
3.66%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $243
Regular Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
AFL-CIO Employees Federal Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.66%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.66%
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 AFL-CIO Employees 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.
Regular Share Certificate
Up to 3.66%APY · 9 terms
Rates are fixed for the term of the certificate. Dividends are compounded and credited quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals 90 days dividends | 3.56% | $176 |
| 8 monthsMinimum to earn APY is $100.01 | 3.66% | $243 |
| 12 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals 90 days dividends | 3.30% | $330 |
| 13 monthsMinimum to earn APY is $100.01 | 3.56% | $386 |
| 22 monthsMinimum to earn APY is $100.01 | 3.25% | $603 |
| 24 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 3.04% | $618 |
| 36 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 3.04% | $941 |
| 48 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 2.02% | $832 |
| 60 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 2.02% | $1,051 |
Special-purpose accounts
IRA Share Certificate
Up to 3.66%APY · 9 terms
Available in Traditional, Roth, and Educational IRA options. Rates are fixed for the term of the certificate. Dividends are compounded and credited quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals 90 days dividends | 3.56% | $176 |
| 8 monthsMinimum to earn APY is $100.01 | 3.66% | $243 |
| 12 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals 90 days dividends | 3.30% | $330 |
| 13 monthsMinimum to earn APY is $100.01 | 3.56% | $386 |
| 22 monthsMinimum to earn APY is $100.01 | 3.25% | $603 |
| 24 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 3.04% | $618 |
| 36 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 3.04% | $941 |
| 48 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 2.02% | $832 |
| 60 monthsMinimum to earn APY is $100.01. Early withdrawal penalty equals six months dividends | 2.02% | $1,051 |
Who can join AFL-CIO Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the AFL-CIO (American Federation of Labor and Congress of Industrial Organizations) and its departments who are paid from the National Office in Washington, D.C. are eligible to join.
- Employees of a state or local central labor body are eligible to join.
- Employees of a constitutional department of the AFL-CIO are eligible to join.
- Employees of AFL-CIO-affiliated International Unions (excluding CWA, UAW, and TWUA) and employees of AFL-CIO State and Local Central Bodies working in the United States are eligible to join.
- Members of International Union of Painters Allied Trades (IUPAT)-District Council 51 are eligible to join.
- Members of the National Football League Players Association (NFLPA) are eligible to join.
8 more ways to join
Employers and groups
- Members of Office and Professional Employees International Union (OPEIU)-Local 2 are eligible to join.
- Members of Washington-Baltimore News Guild- TNG-CWA- Local 32035 are eligible to join.
- Members of United Food and Commercial Workers Union (UFCW)-Local 2013 are eligible to join.
- Members of United Food and Commercial Workers Union (UFCW)-Local 400 are eligible to join.
Military, government and schools
- Members of the American Federation of Teachers (AFT) are eligible to join.
- Members of the American Postal Workers Union (APWU) are eligible to join.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships, regardless of where they live) and household members of existing credit union members are eligible to join.
Other ways
- Individuals retired from any eligible field of membership are eligible to join.
Cost to join
- Lifetime membership is established by opening a Regular Share Savings Account with a minimum deposit of $5.
Membership information collected October 4, 2026.