Credit union · NCUA insured
ARH Federal Credit Union CD Rates
ARH Federal Credit Union’s best CD rate is 2.79% APY on a 3-year share certificate (CD). Terms run from 1 year to 3 years. Rates checked October 22, 2026.
How ARH Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Middlesborough, KY, where ARH Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ARH Federal Credit Union
2.79%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $861
Certificates
Top rate
Y-12 Federal Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $425
2nd-highest rate
Community Trust Bank
4.04%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $234
ARH Federal Credit Union CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo2.54%
- 31–60 months31–60 mo2.79%
- QualifiedQualified2.79%
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 ARH 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.
Certificates
Up to 2.79%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.02% | $202 |
| 24 months | 2.54% | $514 |
| 36 months | 2.79% | $861 |
Sources (1)
- arhfcu.org/rates.html · captured Sep 19, 2026
Who can join ARH 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This may be incomplete or out of date, so check with the credit union before you apply.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 goes to school in Bell County.
Employers and groups
- Membership is open to employees, doctors, medical staff, and technicians of Appalachian Regional Hospitals and related medical affiliates working in Kentucky, Virginia, and West Virginia.
- Membership is open to employees of ARH Federal Credit Union.
- Membership is open to employees of over 80 Select Employee Groups (ranging from city employees and mining employees to small businesses and manufacturing employees) working in southeastern Kentucky.
Family and household
- Membership is open to members of immediate families (including parents, brothers, sisters, aunts, uncles, grandparents, etc.) of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership.
2 more ways to join
Other ways
- Membership is open to organizations of eligible persons.
- Membership is open to persons retired as pensioners or annuitants.
Membership information collected October 4, 2026.