Credit union · NCUA insured
Bar-Cons Federal Credit Union CD Rates
Top CarrotBar-Cons Federal Credit Union’s best CD rate is 3.60% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Bar-Cons Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Bar-Cons Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bar-Cons Federal Credit Union
3.60%APY
- Term
- 48 months
- Minimum
- $200
- Earns on $10,000
- $1,520
Share Certificates
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Bar-Cons Federal Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.44%
- 9–15 months9–15 mo3.44%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 Bar-Cons Federal 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 3.60%APY · 9 terms
Increase rate by 0.10% when placing $50,000 or more in a term between 18 months and 60 months.
| Term | APY · $200 – $4,999 | APY · $500 – $4,999 | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months3 Month early withdrawal penalty | 3.44% | — | 3.44% | 3.44%3.44% $200–$5k | $171 |
| 9 months3 Month early withdrawal penalty | 3.44% | — | 3.44% | 3.44%3.44% $200–$5k | $257 |
| 12 months3 Month early withdrawal penalty | 3.44% | — | 3.44% | 3.44%3.44% $200–$5k | $344 |
| 18 months6 Month early withdrawal penalty | 3.49% | — | 3.49% | 3.49%3.49% $200–$5k | $528 |
| 24 months6 Month early withdrawal penalty | 3.49% | — | 3.49% | 3.49%3.49% $200–$5k | $710 |
| 30 months6 Month early withdrawal penalty | 3.55% | — | 3.55% | 3.55%3.55% $200–$5k | $911 |
| 36 months6 Month early withdrawal penalty | 3.55% | — | 3.55% | 3.55%3.55% $200–$5k | $1,103 |
| 48 months6 Month early withdrawal penalty | 3.60% | — | 3.60% | 3.60%3.60% $200–$5k | $1,520 |
| 60 months6 Month early withdrawal penalty | — | 3.60% | 3.60% | 3.60%3.60% $500–$5k | $1,934 |
Sources (1)
- barcons.org/accounts/savings/savings-rates · captured Oct 5, 2026
Who can join Bar-Cons Federal Credit Union
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