Credit union · NCUA insured
Aspire Credit Union CD Rates
Top CarrotAspire Credit Union’s best CD rate is 4.35% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Aspire Credit Union’s CD rates compare
Compared with banks and credit unions near Minot, ND, where Aspire Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Aspire Credit Union
4.35%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $435
Share Certificate
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
First International Bank & Trust
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $461
Aspire Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.35%
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 Aspire 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 4.35%APY · 6 terms
Membership required. Insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies (terms of 12 months or less: 60 days' dividends) | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty applies (terms of 12 months or less: 60 days' dividends) | 4.35% | $435 |
| 24 monthsEarly withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $826 |
| 36 monthsFeatures a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $1,265 |
| 48 monthsFeatures a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $1,721 |
| 60 monthsFeatures a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $2,196 |
Special-purpose accounts
Grow With Me Share Certificate
Up to 4.35%APY · 2 terms
For youth 0-18 years old. Allows additional deposits as you grow. Set up to automatically renew.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty applies (terms of 12 months or less: 60 days' dividends) | 4.35% | $435 |
| 24 monthsEarly withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $826 |
IRA Certificate
Up to 4.35%APY · 6 terms
Available in Traditional and Roth IRA options. Coverdell ESAs also offered.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies (terms of 12 months or less: 60 days' dividends) | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty applies (terms of 12 months or less: 60 days' dividends) | 4.35% | $435 |
| 24 monthsEarly withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $826 |
| 36 monthsFeatures a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $1,265 |
| 48 monthsFeatures a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $1,721 |
| 60 monthsFeatures a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends) | 4.05% | $2,196 |
Who can join Aspire Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Bottineau, McHenry, McLean, Mountrail, Renville, or Ward counties of North Dakota, as well as businesses, other legal entities, and organizations of such persons located there, are eligible for membership.
Family and household
- Immediate family members or household members of existing credit union members are eligible for membership.
Membership information collected October 4, 2026.