Credit union · NCUA insured
Ashland Credit Union CD Rates
Ashland Credit Union’s best CD rate is 4.25% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Ashland Credit Union’s CD rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Ashland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ashland Credit Union
4.00%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,249
Standard Share Certificate
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Ashland Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Ashland 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.
Jumbo Share Certificate
Up to 4.25%APY · 8 terms
Terms available from 6 months to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $35,000. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | — |
| 9 months | 3.65% | — |
| 12 months | 3.65% | — |
| 18 months | 4.00% | — |
| 24 months | 4.00% | — |
| 36 months | 4.25% | — |
| 48 months | 4.25% | — |
| 60 months | 4.25% | — |
Sources (1)
- ashlandcu.org/personal/save/certificate-of-deposits · captured Oct 5, 2026
Rate Bump Share Certificate
3.75%APY · 3 terms
Terms available from 3 to 5 years. Dividends paid and compounded monthly. Allows a one-time bump to current rate during certificate term. Minimum deposit stated as $5,000 in product summary, rate schedule reflects Standard ($500 minimum) and Jumbo ($35,000 minimum) balance tiers. Early withdrawal penalty may apply.
| Term | APY · $500 and up | APY · $35,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 months | — | 4.00% | —4.00% from $35k | — |
| 36 monthsStandard tier | 3.75% | — | 3.75% | $1,168 |
| 48 months | — | 4.00% | —4.00% from $35k | — |
| 48 monthsStandard tier | 3.75% | — | 3.75% | $1,587 |
| 60 months | — | 4.00% | —4.00% from $35k | — |
| 60 monthsStandard tier | 3.75% | — | 3.75% | $2,021 |
Sources (1)
- ashlandcu.org/personal/save/certificate-of-deposits · captured Oct 5, 2026
Standard Share Certificate
Up to 4.00%APY · 8 terms
Terms available from 6 months to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $500. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 9 months | 3.40% | $254 |
| 12 months | 3.40% | $340 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (1)
- ashlandcu.org/personal/save/certificate-of-deposits · captured Oct 5, 2026
Special-purpose accounts
Jumbo Traditional/Roth IRA CD
Up to 4.25%APY · 5 terms
CD terms available from 1 to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $35,000. Early withdrawal penalty may apply. Available for Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.65% | — |
| 24 months | 4.00% | — |
| 36 months | 4.25% | — |
| 48 months | 4.25% | — |
| 60 months | 4.25% | — |
Sources (1)
- ashlandcu.org/personal/save/iras · captured Oct 5, 2026
Standard Traditional/Roth IRA CD
Up to 4.00%APY · 5 terms
CD terms available from 1 to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $1,000. Early withdrawal penalty may apply. Available for Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.40% | $340 |
| 24 months | 3.75% | $764 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (1)
- ashlandcu.org/personal/save/iras · captured Oct 5, 2026
Who can join Ashland Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bluegrass Area Development District (Kentucky counties of Anderson, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford) are eligible for membership.
- Individuals who live, work, worship, or attend school in FIVCO Area Development District (Kentucky counties of Boyd, Carter, Elliott, Greenup, and Lawrence) are eligible for membership.
- Individuals who live, work, worship, or attend school in the Minnesota counties of Washington, Dakota, Ramsey, or Hennepin are eligible for membership.
Employers and groups
- Individuals currently or previously employed by one of Ashland Credit Union's sponsor companies/employer groups are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Membership information collected October 4, 2026.