Credit union · NCUA insured
ARC Federal Credit Union CD Rates
Top CarrotARC Federal Credit Union’s best CD rate is 4.33% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How ARC Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Altoona, PA, where ARC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ARC Federal Credit Union
4.33%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,363
Share Certificate
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
Hometown Bank of Pennsylvania
4.25%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $906
ARC Federal Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.87%
- 16–30 months16–30 mo3.97%
- 31–60 months31–60 mo4.33%
- QualifiedQualified4.33%
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 ARC 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 Certificate
Up to 4.33%APY · 7 terms
Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 3.82% | $189 |
| 12 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 3.87% | $387 |
| 18 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 3.92% | $594 |
| 24 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 3.97% | $810 |
| 36 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 4.18% | $1,306 |
| 48 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 4.28% | $1,826 |
| 60 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 4.33% | $2,363 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Traditional IRA Share Certificate
Up to 4.44%APY · 5 terms
Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 3.97% | $397 |
| 24 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 4.07% | $831 |
| 36 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 4.28% | $1,340 |
| 48 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 4.39% | $1,873 |
| 60 monthsMinimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply | 4.44% | $2,425 |
Sources (1)
- arcfcu.org/Rates/Savings-Rates · captured Oct 6, 2026
Who can join ARC Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.