Credit union · NCUA insured
Alloy Federal Credit Union CD Rates
Alloy Federal Credit Union’s best CD rate is 2.25% APY on a 5-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Alloy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Beckley, WV, where Alloy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alloy Federal Credit Union
2.25%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,177
Share Certificates/CD's
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Burke & Herbert Bank
4.11%APY
- Term
- 23 months
- Minimum
- —
- Earns on $10,000
- $803
Alloy Federal Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.25%
- QualifiedQualified2.25%
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 Alloy 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.
Share Certificates/CD's
Up to 2.25%APY · 4 terms
Compounded quarterly. Early withdrawal penalty of 90 days interest on less than 1 year term and 182 days interest on over 1 year term. APY is based on balance remaining on deposit for full 365 day year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.00% | $200 |
| 24 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.00% | $404 |
| 36 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.00% | $612 |
| 60 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.25% | $1,177 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.00%APY · 4 terms
Offers both Traditional and Roth share certificates. Compounded quarterly. Early withdrawal penalty of 90 days interest on less than 1 year term and 182 days interest on over 1 year term.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.50% | — | 2.50% | $250 |
| 12 monthsLimited Certificate Special for $1,000 & above | — | 4.00% | 4.00% | $400 |
| 24 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.25% | — | 2.25% | $455 |
| 36 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.25% | — | 2.25% | $690 |
| 60 months$500 minimum balance to obtain APY. Compounded quarterly. Early withdrawal penalty applies | 2.25% | — | 2.25% | $1,177 |
Sources (4)
- alloyfcu.com/rates/deposit-rates
- alloyfcu.com/products/deposit-accounts
- alloyfcu.com
- alloyfcu.com/cd-special
All captured Sep 19, 2026
Who can join Alloy Federal Credit Union
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