Credit union · NCUA insured
Associated Credit Union CD Rates
Top CarrotAssociated Credit Union’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Associated Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where Associated Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Associated Credit Union
4.00%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $200
- Earns on $10,000
- $816
Trust CD
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
Associated Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.25%
- 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 Associated 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.
Certificate of Deposit (CD)
Up to 4.00%APY · 7 terms
Minimum balance to open is $200. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGood Through October 28, 2026 | 3.35% | $166 |
| 9 monthsAllows one early withdrawal or early redemption without penalty. Good Through October 28, 2026 | 3.45% | $258 |
| 12 monthsGood Through October 28, 2026 | 3.85% | $385 |
| 24 monthsGood Through October 28, 2026 | 4.00% | $816 |
| 36 monthsGood Through October 28, 2026 | 3.15% | $975 |
| 48 monthsGood Through October 28, 2026 | 3.15% | $1,321 |
| 60 monthsGood Through October 28, 2026 | 3.25% | $1,734 |
Sources (2)
All captured Oct 22, 2026
Trust CD
Up to 4.00%APY · 3 terms
Minimum balance to open is $200. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsGood Through October 28, 2026 | 3.85% | $385 |
| 24 monthsGood Through October 28, 2026 | 4.00% | $816 |
| 60 monthsGood Through October 28, 2026 | 3.25% | $1,734 |
Sources (1)
- acuonline.org/home/rates/perso…-ira-certificate-deposit · captured Oct 22, 2026
Tax Factor CD
3.85%APY · 1 term
Minimum balance to open is $200. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsGood Through October 28, 2026 | 3.85% | $385 |
Sources (1)
- acuonline.org/home/rates/perso…-ira-certificate-deposit · captured Oct 22, 2026
Special-purpose accounts
Coverdell ESA Time Deposits (CDs)
Up to 4.00%APY · 3 terms
Save for education expenses. Coverdell ESAs use the One, Two & Five-Year CDs. Minimum balance to open is $200. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsGood Through October 28, 2026. Uses the One-Year CD rate | 3.85% | $385 |
| 24 monthsGood Through October 28, 2026. Uses the Two-Year CD rate | 4.00% | $816 |
| 60 monthsGood Through October 28, 2026. Uses the Five-Year CD rate | 3.25% | $1,734 |
Sources (2)
All captured Oct 22, 2026
IRA Certificate of Deposit
Up to 4.00%APY · 5 terms
May be used for Traditional Individual Retirement Accounts. Roth IRAs use the One, Two & Five-Year CDs. Minimum balance to open is $200. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsGood Through October 28, 2026. May be used for Traditional IRAs and Roth IRAs | 3.85% | $385 |
| 24 monthsGood Through October 28, 2026. May be used for Traditional IRAs and Roth IRAs | 4.00% | $816 |
| 36 monthsGood Through October 28, 2026. May be used for Traditional IRAs | 3.15% | $975 |
| 48 monthsGood Through October 28, 2026. May be used for Traditional IRAs | 3.15% | $1,321 |
| 60 monthsGood Through October 28, 2026. May be used for Traditional IRAs and Roth IRAs | 3.25% | $1,734 |
Sources (2)
- acuonline.org/home/rates/perso…-ira-certificate-deposit
- acuonline.org/home/bank/personal/savings/iras
All captured Oct 22, 2026
Safari Club CD
3.35%APY · 1 term
For Members through age 15.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGood Through October 28, 2026. For Members through age 15 | 3.35% | $166 |
Sources (1)
- acuonline.org/home/rates/perso…-ira-certificate-deposit · captured Oct 22, 2026
Who can join Associated Credit Union
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