Credit union · NCUA insured
APL Federal Credit Union CD Rates
Top CarrotAPL Federal Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How APL Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where APL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
APL Federal Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $868
Share Certificates
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
APL Federal Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
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 APL 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 4.25%APY · 7 terms
Dividends are calculated daily, compounded and paid monthly and at maturity. Early withdrawal penalties apply and may reduce earnings.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum deposit/balance of $500 to open. Not eligible for IRA terms | 3.75% | — | 3.75% | $186 |
| 12 monthsMinimum balance of $1,000 to open | — | 4.00% | 4.00% | $400 |
| 18 monthsMinimum balance of $1,000 to open | — | 4.00% | 4.00% | $606 |
| 24 monthsMinimum balance of $1,000 to open | — | 4.25% | 4.25% | $868 |
| 36 monthsMinimum balance of $1,000 to open | — | 4.00% | 4.00% | $1,249 |
| 48 monthsMinimum balance of $1,000 to open | — | 4.00% | 4.00% | $1,699 |
| 60 monthsMinimum balance of $1,000 to open | — | 4.00% | 4.00% | $2,167 |
Special-purpose accounts
IRA Share Certificates
Up to 4.25%APY · 6 terms
Available as Traditional and Roth IRA Share Certificates (except the 6-month term). Dividends calculated daily, compounded and paid monthly and at maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires minimum balance of $1,000 to open | 4.00% | $400 |
| 18 monthsRequires minimum balance of $1,000 to open | 4.00% | $606 |
| 24 monthsRequires minimum balance of $1,000 to open | 4.25% | $868 |
| 36 monthsRequires minimum balance of $1,000 to open | 4.00% | $1,249 |
| 48 monthsRequires minimum balance of $1,000 to open | 4.00% | $1,699 |
| 60 monthsRequires minimum balance of $1,000 to open | 4.00% | $2,167 |
Who can join APL 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, attends school, or regularly conducts business in Howard County, Maryland.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live or work in Howard County.
Membership information collected October 4, 2026.