Credit union · NCUA insured
Business & Industrial FCU CD Rates
Business & Industrial FCU’s best CD rate is 2.22% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Business & Industrial FCU’s CD rates compare
Compared with banks and credit unions near Columbus, IN, where Business & Industrial FCU has the most branches. $10,000, best rate first.
This credit union’s best
Business & Industrial FCU
2.22%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,161
Share Certificate
Top rate
Centra Credit Union
4.35%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $288
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Business & Industrial FCU CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo1.16%
- 9–15 months9–15 mo1.82%
- 16–30 months16–30 mo2.07%
- 31–60 months31–60 mo2.22%
- QualifiedQualified2.22%
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 Business & Industrial FCU 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 2.22%APY · 9 terms
Monthly dividends. Early withdrawal penalty: 12 months and less is 3 months dividends; over 12 months is 6 months dividends.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 0.05% | 0.05% | $1 |
| 6 months | — | 1.16% | 1.16% | $58 |
| 12 months | 1.82% | — | 1.82% | $181 |
| 18 months | 1.92% | — | 1.92% | $289 |
| 24 months | 2.02% | — | 2.02% | $408 |
| 30 months | 2.07% | — | 2.07% | $525 |
| 36 months | 2.12% | — | 2.12% | $650 |
| 48 months | 2.17% | — | 2.17% | $897 |
| 60 months | 2.22% | — | 2.22% | $1,161 |
Sources (1)
- busindcu.com/services/certificates · captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 2.22%APY · 3 terms
Early withdrawal is subject to penalty. Withdrawals without penalty allowed once reaching age 59 1/2 or if permanently disabled. Eligible for employees earning compensation during the year and members' spouses.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 2.02% | $407 |
| 36 months | 2.12% | $649 |
| 60 months | 2.22% | $1,159 |
Sources (1)
- busindcu.com/services/ira-accounts · captured Sep 18, 2026
Who can join Business & Industrial FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, or businesses and other legal entities located in Bartholomew, Jennings, and Jefferson counties in Indiana are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
Family and household
- Members of the immediate family or household are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible.
Other ways
- Members of this credit union as of June 15, 2004 are eligible for membership.
- Organizations of such persons are eligible for membership.
1 more way to join
Other ways
- Volunteers within the community are eligible for membership.
Cost to join
- An account balance of at least $5.00 must be established and maintained upon approval.
Membership information collected October 5, 2026.