Credit union · NCUA insured
Bragg Mutual Federal Credit Union CD Rates
Bragg Mutual Federal Credit Union’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Bragg Mutual Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fayetteville, NC, where Bragg Mutual Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bragg Mutual Federal Credit Union
3.90%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $390
Share Certificate
Top rate
State Employees' Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Bragg Mutual Federal Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.90%
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 Bragg Mutual 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 Certificate
Up to 3.90%APY · 7 terms
Available to members across Fayetteville, NC and Southeastern North Carolina. No setup or maintenance fees. No additional deposits after opening. Early withdrawals may incur penalties. 10-day grace period after maturity. Interest compounds monthly and automatically renews at maturity. Balances in excess of $250,000.00 do not qualify for share certificate rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity | 3.50% | $173 |
| 12 monthsInterest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity | 3.90% | $390 |
| 18 monthsInterest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity | 3.75% | $568 |
| 24 monthsInterest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity | 3.75% | $764 |
| 36 monthsInterest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity | 3.75% | $1,168 |
| 48 monthsInterest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity | 3.75% | $1,587 |
| 60 monthsInterest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity | 3.75% | $2,021 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
3.04%APY · 1 term
Must have earned income to contribute. Annual contribution limits set by the IRS. Early withdrawals before age 59½ may be subject to penalties unless exceptions apply. Additional IRS rules and penalties may apply for early withdrawal or excess contributions. Balances in excess of $250,000.00 do not qualify for certificate rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest compounds monthly. Early withdrawal penalties and IRS rules may apply | 3.04% | $304 |
Who can join Bragg Mutual Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to people, businesses, and other legal entities located within certain areas/census tracts who live, worship, work/regularly conduct business, or attend school in 25 specified North Carolina counties.
- Open to people, businesses, and other legal entities located within certain areas/census tracts who live, worship, work/regularly conduct business, or attend school in 7 specified South Carolina counties.
Membership information collected October 4, 2026.