Credit union · NCUA insured
America's Credit Union CD Rates
Top CarrotAmerica's Credit Union’s best CD rate is 3.75% APY on an 18-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 15, 2026.
How America's Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where America's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
America's Credit Union
3.75%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $375
Promotional Share Certificates ($500+)
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
America's Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.75%
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 America's 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.
Promotional Share Certificates ($5,000+)
Up to 3.75%APY · 2 terms
Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal. Maximum deposit of $250,000 per member account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMaximum $250,000 per member account | 3.75% | $568 |
| 36 monthsMaximum $250,000 per member account | 3.35% | $1,039 |
Sources (2)
All captured Oct 15, 2026
Promotional Share Certificates ($500+)
Up to 3.75%APY · 5 terms
Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNew money only. Funds not currently held in any ACU account. Fixed for 12 months, then renews at then-current standard rate. Promotional window through November 2026 | 3.75% | $375 |
| 13–16 months | 0.30% | $33 |
| 17–20 months | 0.40% | $57 |
| 21–30 months | 0.50% | $88 |
| 36 months36 Month Flex | 0.60% | $181 |
Sources (2)
All captured Oct 15, 2026
Share Certificates - STANDARD
Up to 0.55%APY · 4 terms
Membership required. Penalty of up to 90 days of dividends may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–12 months | 0.30% | $7 |
| 13–23 months | 0.35% | $38 |
| 24–47 months | 0.50% | $100 |
| 48–Unknown months | 0.55% | $222 |
Sources (2)
All captured Oct 15, 2026
Share Certificates - FLEX
Up to 0.50%APY · 4 terms
Allows adding funds (minimum of $100 deposits) without having to wait until maturity. Rates may change after account opening. The Index is the 2 year US Treasury Bill published on the 25th day of the month; minimum dividend rate will never be less than the Performance Saver minimum dividend rate. Penalty of up to 90 days of dividends may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–12 months | 0.15% | $4 |
| 13–23 months | 0.25% | $27 |
| 24–47 months | 0.35% | $70 |
| 48–Unknown months | 0.50% | $202 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.75%APY · 5 terms
Available as Traditional and Roth IRA options. Membership required. Annual Percentage Yield assumes dividends earned remain on deposit until maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 18 months | 3.75% | $568 |
| 23 months | 0.50% | $96 |
| 33 months | 0.60% | $166 |
| 48 months | 1.00% | $406 |
Who can join America's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- ACU membership is open to any individuals or businesses located in the Pacific Northwest.
- Anyone who lives, works, or worships in the Pacific Northwest can be a member.
Military, government and schools
- Active, retired, and reservist members of the armed forces across the Northwest are welcome to join ACU.
Membership information collected October 4, 2026.