Credit union · NCUA insured
APG Federal Credit Union CD Rates
Top CarrotAPG Federal Credit Union’s best CD rate is 4.30% APY on a 9-month share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 22, 2026.
How APG Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where APG Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
APG Federal Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $100
- Earns on $10,000
- $321
Savings Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
APG Federal Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.30%
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 APG 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.
Savings Certificate
Up to 4.30%APY · 9 terms
Dividends are compounded and credited quarterly on the daily balance. There may be a penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 9 months | 4.30% | $321 |
| 12 months | 3.75% | $375 |
| 18 months | 3.30% | $499 |
| 24 months | 3.30% | $671 |
| 30 months | 3.30% | $846 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
| 84 months | 3.30% | $2,552 |
Sources (2)
All captured Oct 4, 2026
15-Month Certificate Special
4.20%APY · 1 term
Promotional special. Rate and promotion are subject to change at any time without notice. Minimum deposit of $100. 15-month certificate will automatically renew to an 18-month term upon maturity unless action is taken. Penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsAutomatically renews to an 18-month term upon maturity unless action is taken. Promotional offer | 4.20% | $528 |
Sources (2)
All captured Oct 4, 2026
Jumbo Certificates
Up to 3.85%APY · 3 terms
Dividends are compounded and credited quarterly on the daily balance. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.20% | — |
| 6 months | 3.85% | — |
| 12 months | 3.85% | — |
Sources (2)
All captured Oct 4, 2026
Member Rewards Gold Certificate
3.55%APY · 3 terms
Requires Member Rewards Gold level. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsMember Rewards Gold level | 3.55% | $1,497 |
| 60 monthsMember Rewards Gold level | 3.55% | $1,906 |
| 84 monthsMember Rewards Gold level | 3.55% | $2,766 |
Sources (2)
All captured Oct 4, 2026
Member Rewards Silver Certificate
3.43%APY · 3 terms
Requires Member Rewards Silver level. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsMember Rewards Silver level | 3.43% | $1,444 |
| 60 monthsMember Rewards Silver level | 3.43% | $1,837 |
| 84 monthsMember Rewards Silver level | 3.43% | $2,663 |
Sources (2)
All captured Oct 4, 2026
Super Certificate
3.30%APY · 5 terms
Coverdell IRAs are not eligible for the $25,000 minimum balance tier. There may be a penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.30% | — |
| 30 months | 3.30% | — |
| 48 months | 3.30% | — |
| 60 months | 3.30% | — |
| 84 months | 3.30% | — |
Sources (2)
All captured Oct 4, 2026
Step Up Savings Certificate
3.25%APY · 2 terms
During the term, you can 'step up' to a current, higher rate. Your new rate will be effective from the change date until the end of the original term. No additional deposits permitted. Dividends are compounded and credited quarterly on the daily balance. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 months | 3.25% | $689 |
| 45 months | 3.25% | $1,274 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 9 terms
Dividends are compounded and credited quarterly on the daily balance. There may be a penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 9 months | 4.30% | $321 |
| 12 months | 3.75% | $375 |
| 18 months | 3.30% | $499 |
| 24 months | 3.30% | $671 |
| 30 months | 3.30% | $846 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
| 84 months | 3.30% | $2,552 |
Sources (2)
All captured Oct 4, 2026
MyTimes Plus 12-Month Certificate
3.85%APY · 1 term
For members age 65 and over. Earn a higher rate than the standard 12-month Savings Certificate. Dividends are compounded and credited quarterly on the daily balance. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor members 65 and over | 3.85% | $385 |
Sources (2)
All captured Oct 4, 2026
MyTimes 36-Month Certificate
3.55%APY · 1 term
For members age 50 and over. Dividends are compounded and credited quarterly on the daily balance. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsFor members 50 and over | 3.55% | $1,103 |
Sources (2)
All captured Oct 4, 2026
Who can join APG Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Other ways
- Youth membership is available for individuals ages 0 through 17 with a $5 minimum savings account opening deposit.
Cost to join
- A minimum deposit of $5 is required to open and maintain a share savings account.
Membership information collected October 4, 2026.