Credit union · NCUA insured
Auburn University Credit Union CD Rates
Top CarrotAuburn University Credit Union’s best CD rate is 4.61% APY on a 42-month share certificate (CD). Terms run from 3 months to 54 months. Rates checked October 22, 2026.
How Auburn University Credit Union’s CD rates compare
Compared with banks and credit unions near Auburn, AL, where Auburn University Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Auburn University Credit Union
4.50%APY
- Term
- 42–47 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- —
Share Certificates
2nd-highest rate
MAX Credit Union
4.32%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $543
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Auburn University Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.46%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.37%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Auburn University 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 Certificates
Up to 4.50%APY · 13 terms
Dividends accrue daily and are paid quarterly (or at maturity for short terms). Early withdrawal penalty: for less than 18 months, forfeiture of all dividends on amount withdrawn for 90 days; for greater than 18 months, forfeiture of all dividends on amount withdrawn for 180 days.
| Term | APY · $2,500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsJumbo Rate ($100,000+ Deposit); Term: 90 Days; Compound Period: Maturity | — | 4.51% | —4.51% from $100k | — |
| 3 monthsTerm: 90 Days; Compound Period: Maturity | 4.41% | — | 4.41% | $108 |
| 6 monthsJumbo Rate ($100,000+ Deposit); Term: 180 Days; Compound Period: Maturity | — | 4.56% | —4.56% from $100k | — |
| 6 monthsTerm: 180 Days; Compound Period: Maturity | 4.46% | — | 4.46% | $221 |
| 7 months7 Month Special; Compound Period: Maturity | 4.45% | — | 4.45% | $257 |
| 7 monthsJumbo Rate ($100,000+ Deposit); 7 Month Special; Compound Period: Maturity | — | 4.45% | —4.45% from $100k | — |
| 12–17 monthsCompound Period: Quarterly | 3.94% | — | 3.94% | $394 |
| 12–17 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.04% | —4.04% from $100k | — |
| 12 monthsJumbo Rate ($100,000+ Deposit); Term: 365 Days; Compound Period: Maturity | — | 3.98% | —3.98% from $100k | — |
| 12 monthsTerm: 365 Days; Compound Period: Maturity | 3.88% | — | 3.88% | $388 |
| 13 months13 Month Special; Compound Period: Quarterly | 4.00% | — | 4.00% | $434 |
| 13 monthsJumbo Rate ($100,000+ Deposit); 13 Month Special; Compound Period: Quarterly | — | 4.10% | —4.10% from $100k | — |
| 18–23 monthsCompound Period: Quarterly | 4.22% | — | 4.22% | $640 |
| 18–23 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.32% | —4.32% from $100k | — |
| 24–29 monthsCompound Period: Quarterly | 4.22% | — | 4.22% | $862 |
| 24–29 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.32% | —4.32% from $100k | — |
| 30–35 monthsCompound Period: Quarterly | 4.37% | — | 4.37% | $1,129 |
| 30–35 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.47% | —4.47% from $100k | — |
| 36–41 monthsCompound Period: Quarterly | 4.37% | — | 4.37% | $1,369 |
| 36–41 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.47% | —4.47% from $100k | — |
| 42–47 monthsCompound Period: Quarterly | 4.50% | — | 4.50% | $1,666 |
| 42–47 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.61% | —4.61% from $100k | — |
| 48–53 monthsCompound Period: Quarterly | 4.50% | — | 4.50% | $1,925 |
| 48–53 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.61% | —4.61% from $100k | — |
| 54–60 monthsCompound Period: Quarterly | 4.50% | — | 4.50% | $2,191 |
| 54–60 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.61% | —4.61% from $100k | — |
Special-purpose accounts
IRA Share Certificates
Up to 4.50%APY · 10 terms
Early withdrawal penalty: 180 day dividend penalty for early withdrawal.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 months7 Month Special; Compound Period: Maturity | 4.45% | — | 4.45% | $257 |
| 7 monthsJumbo Rate ($100,000+ Deposit); 7 Month Special; Compound Period: Maturity | — | 4.45% | —4.45% from $100k | — |
| 12–17 monthsCompound Period: Quarterly | 3.94% | — | 3.94% | $394 |
| 12–17 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.04% | —4.04% from $100k | — |
| 13 months13 Month Special; Compound Period: Quarterly | 4.00% | — | 4.00% | $434 |
| 13 monthsJumbo Rate ($100,000+ Deposit); 13 Month Special; Compound Period: Quarterly | — | 4.10% | —4.10% from $100k | — |
| 18–23 monthsCompound Period: Quarterly | 4.22% | — | 4.22% | $640 |
| 18–23 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.32% | —4.32% from $100k | — |
| 24–29 monthsCompound Period: Quarterly | 4.22% | — | 4.22% | $862 |
| 24–29 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.32% | —4.32% from $100k | — |
| 30–35 monthsCompound Period: Quarterly | 4.37% | — | 4.37% | $1,129 |
| 30–35 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.47% | —4.47% from $100k | — |
| 36–41 monthsCompound Period: Quarterly | 4.37% | — | 4.37% | $1,369 |
| 36–41 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.47% | —4.47% from $100k | — |
| 42–47 monthsCompound Period: Quarterly | 4.50% | — | 4.50% | $1,666 |
| 42–47 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.61% | —4.61% from $100k | — |
| 48–53 monthsCompound Period: Quarterly | 4.50% | — | 4.50% | $1,925 |
| 48–53 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.61% | —4.61% from $100k | — |
| 54–60 monthsCompound Period: Quarterly | 4.50% | — | 4.50% | $2,191 |
| 54–60 monthsJumbo Rate ($100,000+ Deposit); Compound Period: Quarterly | — | 4.61% | —4.61% from $100k | — |
Who can join Auburn University Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Lee, Montgomery, Chambers, Pike, Barbour, Bullock, Macon, Elmore, Tallapoosa, Coosa, and Russell counties.
Employers and groups
- Membership is open to Auburn Alumni Association life members.
- Membership is open to Friends of the Foundation members residing in Alabama, Florida, or Georgia.
Military, government and schools
- Membership is open to Auburn University or AUM alumni.
- Membership is open to Auburn University and AUM students, employees, and their families.
- Membership is open to City of Auburn employees and their families.
2 more ways to join
Military, government and schools
- Membership is open to Auburn City School employees and their families.
Family and household
- Membership is open to immediate family members of eligible members.
Membership information collected October 4, 2026.