Credit union · NCUA insured
American Spirit Federal Credit Union CD Rates
American Spirit Federal Credit Union’s best CD rate is 4.01% APY on a 4-year share certificate (CD). Terms run from 1 year to 4 years. Rates checked October 22, 2026.
How American Spirit Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where American Spirit Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American Spirit Federal Credit Union
4.01%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $1,703
Term Certificate Special
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
American Spirit Federal Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 9–15 months9–15 mo3.01%
- 16–30 months16–30 mo3.26%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.51%
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 American Spirit 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.
Term Certificate Special
Up to 4.01%APY · 4 terms
Membership eligibility required. Special rates are only available for new funds to American Spirit FCU.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for new funds to American Spirit FCU only. Membership eligibility required | 3.01% | $301 |
| 24 monthsAvailable for new funds to American Spirit FCU only. Membership eligibility required | 3.26% | $663 |
| 36 monthsAvailable for new funds to American Spirit FCU only. Membership eligibility required | 3.51% | $1,090 |
| 48 monthsAvailable for new funds to American Spirit FCU only. Membership eligibility required | 4.01% | $1,703 |
Sources (1)
- americanspirit.org/term-certificate-specials · captured Sep 19, 2026
Share Certificate
Up to 3.11%APY · 4 terms
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsRates may vary based on credit score | 3.01% | 3.01% | 3.01% | 3.01%3.01% from $10k3.01% from $50k | $301 |
| 24 monthsRates may vary based on credit score | 2.86% | 2.86% | 2.86% | 2.86%2.86% from $10k2.86% from $50k | $580 |
| 36 monthsRates may vary based on credit score | 3.06% | 3.06% | 3.06% | 3.06%3.06% from $10k3.06% from $50k | $946 |
| 48 monthsRates may vary based on credit score | 3.11% | 3.11% | 3.11% | 3.11%3.11% from $10k3.11% from $50k | $1,303 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 3.01%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRates may vary based on credit score | 2.71% | $271 |
| 24 monthsRates may vary based on credit score | 2.76% | $560 |
| 36 monthsRates may vary based on credit score | 2.86% | $883 |
| 48 monthsRates may vary based on credit score | 2.86% | $1,194 |
| 60 monthsRates may vary based on credit score | 3.01% | $1,598 |
Sources (2)
All captured Sep 19, 2026
Who can join American Spirit Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.