Credit union · NCUA insured
AmeriChoice Federal Credit Union CD Rates
Top CarrotAmeriChoice Federal Credit Union’s best CD rate is 3.60% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How AmeriChoice Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Harrisburg, PA, where AmeriChoice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AmeriChoice Federal Credit Union
3.60%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $178
Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
AmeriChoice Federal Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo1.35%
- 31–60 months31–60 mo1.80%
- QualifiedQualified3.60%
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 AmeriChoice 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
Up to 3.60%APY · 7 terms
Early withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus | 0.95% | $24 |
| 6 monthsEarly withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus | 3.60% | $178 |
| 12 monthsEarly withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus | 3.50% | $350 |
| 24 monthsEarly withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus | 1.35% | $272 |
| 36 monthsEarly withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus | 1.50% | $457 |
| 48 monthsEarly withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus | 1.65% | $677 |
| 60 monthsEarly withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus | 1.80% | $933 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Roth IRA, Traditional IRA & ESA IRA Share Certificate
Up to 3.60%APY · 7 terms
Minimum $500 deposit required. Penalty for early withdrawal. Dividends paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 0.95% | $24 |
| 6 monthsPenalty for early withdrawal | 3.60% | $178 |
| 12 monthsPenalty for early withdrawal | 3.50% | $350 |
| 24 monthsPenalty for early withdrawal | 1.35% | $272 |
| 36 monthsPenalty for early withdrawal | 1.50% | $457 |
| 48 monthsPenalty for early withdrawal | 1.65% | $677 |
| 60 monthsPenalty for early withdrawal | 1.80% | $933 |
Sources (2)
All captured Sep 17, 2026
Who can join AmeriChoice Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties in Pennsylvania.
Membership information collected October 5, 2026.