Credit union · NCUA insured
Alltru Credit Union CD Rates
Alltru Credit Union’s best CD rate is 4.26% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Alltru Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Alltru Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alltru Credit Union
4.26%APY
- Term
- 13 months
- Minimum
- $250
- Earns on $10,000
- $462
Certificate of Deposit (CD)
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Alltru Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.26%
- 16–30 months16–30 mo2.05%
- 31–60 months31–60 mo2.05%
- QualifiedQualified4.26%
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 Alltru 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.
Certificate of Deposit (CD)
Up to 4.26%APY · 11 terms
All CDs require a minimum deposit of $250 with the exception of the special term CDs. Early withdraw penalties may apply for Certificates of Deposit (CDs).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 2.50% | $124 |
| 7 months7 Month Rate for CDs requires $250 minimum deposit and 50% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit accounts | 4.15% | $240 |
| 12 months | 3.50% | $350 |
| 13 months13 Month Special Rate for CDs requires $250 minimum deposit and 100% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit accounts | 4.26% | $462 |
| 14 months14 Month Bump Up CD requires $250 minimum deposit. Account holders may request a one-time rate increase during the 14-month term if the published rate for the 14-Month Bump Up CD increases. The new rate will apply for the remainder of the original term. A penalty may be imposed for early withdrawal on Certificates of Deposit accounts | 4.01% | $469 |
| 18 months | 2.00% | $301 |
| 24 months | 2.05% | $414 |
| 36 months | 2.05% | $628 |
| 48 months | 1.70% | $698 |
| 60 months | 1.70% | $879 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate
Up to 4.26%APY · 11 terms
Available as a Traditional, Roth, or Coverdell certificate. All IRAs require a minimum deposit of $250 with the exception of the special rate terms. Early withdraw penalties may apply for Individual Retirement Accounts (IRAs).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 2.50% | $124 |
| 7 months7 Month Rate for IRAs requires $250 minimum deposit and 50% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on IRA accounts | 4.15% | $240 |
| 12 months | 3.50% | $350 |
| 13 months13 Month Special Rate for IRAs requires $250 minimum deposit and 100% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on IRA accounts | 4.26% | $462 |
| 14 months14 Month Bump Up IRA requires $250 minimum deposit. Account holders may request a one-time rate increase during the 14-month term if the published rate for the 14-Month Bump Up IRA increases. The new rate will apply for the remainder of the original term. A penalty may be imposed for early withdrawal on IRA accounts | 4.01% | $469 |
| 18 months | 2.00% | $301 |
| 24 months | 2.05% | $414 |
| 36 months | 2.05% | $628 |
| 48 months | 1.70% | $698 |
| 60 months | 1.70% | $879 |
Sources (2)
All captured Oct 16, 2026
Who can join Alltru Credit Union
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