Credit union · NCUA insured
Associated School Employees CU CD Rates
Associated School Employees CU’s best CD rate is 3.95% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Associated School Employees CU’s CD rates compare
Compared with banks and credit unions near Youngstown, OH, where Associated School Employees CU has the most branches. $10,000, best rate first.
This credit union’s best
Associated School Employees CU
3.95%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $395
Certificates (Regular)
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
Cardinal Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $260
Associated School Employees CU CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.95%
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 School Employees CU 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 (Regular)
Up to 3.95%APY · 7 terms
Penalty for early withdrawal. $1,000 minimum to open and earn dividends/interest. Rates subject to change at any time. Fees could reduce earnings.
| Term | APY · Up to $49,999 | APY · $1,000 and up | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsA penalty will or may be imposed for early withdrawal | — | 3.75% | — | — | 3.75% | $186 |
| 12 monthsA penalty will or may be imposed for early withdrawal | — | 3.95% | — | — | 3.95% | $395 |
| 18 monthsA penalty will or may be imposed for early withdrawal | — | 3.25% | — | — | 3.25% | $491 |
| 24 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $609 |
| 36 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $927 |
| 48 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $1,255 |
| 60 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $1,593 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 3.95%APY · 7 terms
Traditional, Roth, and Coverdell Educational IRAs available. No annual fees, no administrative fees, no loading fees, no unloading fees. Penalty for early withdrawal. $1,000 minimum to open and earn dividends/interest on an IRA Certificate. Rates subject to change at any time. Fees could reduce earnings.
| Term | APY · Up to $49,999 | APY · $1,000 and up | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsA penalty will or may be imposed for early withdrawal | — | 3.75% | — | — | 3.75% | $186 |
| 12 monthsA penalty will or may be imposed for early withdrawal | — | 3.95% | — | — | 3.95% | $395 |
| 18 monthsA penalty will or may be imposed for early withdrawal | — | 3.25% | — | — | 3.25% | $491 |
| 24 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $609 |
| 36 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $927 |
| 48 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $1,255 |
| 60 monthsA penalty will or may be imposed for early withdrawal | 3.00% | — | 3.05% | 3.10% | 3.00%3.05% $50k–$100k3.10% from $100k | $1,593 |
Sources (2)
All captured Oct 6, 2026
Who can join Associated School Employees CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships or attends school in Mahoning, Trumbull and Columbiana counties.
Family and household
- Membership is available to family members of members.
Cost to join
- You can join with a minimum deposit of $5 into a savings account, which is returned if you decide to close your account.
Membership information collected October 5, 2026.