Credit union · NCUA insured
Ascentra CD Rates
Ascentra’s best CD rate is 4.40% APY on a 30-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Ascentra’s CD rates compare
Compared with banks and credit unions near Davenport, IA-IL, where Ascentra has the most branches. $10,000, best rate first.
This credit union’s best
Ascentra
4.40%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,137
Certificates
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
3rd-highest rate
American Bank & Trust
4.35%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $889
Ascentra CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo1.50%
- QualifiedQualified4.40%
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 Ascentra 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.
Special-purpose accounts
Certificates
Up to 4.40%APY · 11 terms
All certificates can be opened with just $500 (only $250 for minors). Offered at terms from 3 to 60 months. Dividends compound daily and are posted monthly to your certificate or savings account. Renewable with a 10-day grace period. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 0.20% | $5 |
| 6 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 0.50% | $25 |
| 9 monthsUpon maturity, the 9-month certificate will renew to a 6-month certificate. Renewable with a 10-day grace period. Penalty for early withdrawal | 4.00% | $299 |
| 12 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 0.60% | $60 |
| 18 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 4.25% | $644 |
| 24 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 0.75% | $151 |
| 26 monthsUpon maturity, the 26-month certificate will renew to a 24-month certificate. Renewable with a 10-day grace period. Penalty for early withdrawal | 4.35% | $966 |
| 30 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 4.40% | $1,137 |
| 36 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 1.00% | $303 |
| 48 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 1.20% | $489 |
| 60 monthsRenewable with a 10-day grace period. Penalty for early withdrawal | 1.50% | $773 |
Sources (1)
- ascentra.org/invest-insure/certificates-iras · captured Oct 16, 2026
IRA Certificates
Up to 4.40%APY · 8 terms
Certificate IRAs can be opened with $500 with terms 12-60 months. Renewable with a 10-day grace period. Penalty for early withdrawal. Certificates may be designated traditional or Roth IRAs. 91-day, 6-month and 9-month terms not available for IRA Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional & Roth IRA. Renewable with a 10-day grace period. Penalty for early withdrawal | 0.60% | $60 |
| 18 monthsTraditional & Roth IRA. Renewable with a 10-day grace period. Penalty for early withdrawal | 4.25% | $644 |
| 24 monthsTraditional & Roth IRA. Renewable with a 10-day grace period. Penalty for early withdrawal | 0.75% | $151 |
| 26 monthsTraditional & Roth IRA. Upon maturity, the 26-month certificate will renew to a 24-month certificate. Renewable with a 10-day grace period. Penalty for early withdrawal | 4.35% | $966 |
| 30 monthsTraditional & Roth IRA. Renewable with a 10-day grace period. Penalty for early withdrawal | 4.40% | $1,137 |
| 36 monthsTraditional & Roth IRA. Renewable with a 10-day grace period. Penalty for early withdrawal | 1.00% | $303 |
| 48 monthsTraditional & Roth IRA. Renewable with a 10-day grace period. Penalty for early withdrawal | 1.20% | $489 |
| 60 monthsTraditional & Roth IRA. Renewable with a 10-day grace period. Penalty for early withdrawal | 1.50% | $773 |
Sources (1)
- ascentra.org/invest-insure/certificates-iras · captured Oct 16, 2026
Who can join Ascentra
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