Credit union · NCUA insured
C-B-W Schools Federal Credit Union CD Rates
C-B-W Schools Federal Credit Union’s best CD rate is 4.10% APY on a 1-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How C-B-W Schools Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Johnstown, PA, where C-B-W Schools Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
C-B-W Schools Federal Credit Union
3.95%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $395
Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
S&T Bank
4.25%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,330
C-B-W Schools Federal Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- 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 C-B-W Schools 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 4.10%APY · 5 terms
Fixed interest rate for the length of the maturity term. Early withdrawal penalties apply (30 days of interest on terms under 2 years; 90 days of interest on 2-year and 3-year terms).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day Certificate. 30-day interest early withdrawal penalty | 1.75% | $43 |
| 6 months180 Day Certificate. 30-day interest early withdrawal penalty | 2.25% | $112 |
| 12 months1 Year Certificate – Non Compounding. 30-day interest early withdrawal penalty | 3.75% | $375 |
| 12 months1 Year Compounding Certificate. 30-day interest early withdrawal penalty | 3.75% | $375 |
| 12 monthsHigh Yield – 1 Year Certificate. 30-day interest early withdrawal penalty | 3.95% | $395 |
| 12 monthsMini-Jumbo – 1 Year Certificate. 30-day interest early withdrawal penalty | 4.10% | $410 |
| 24 months2 Year Certificate. 90-day interest early withdrawal penalty | 3.50% | $712 |
| 36 months3 Year Certificate. 90-day interest early withdrawal penalty | 3.50% | $1,087 |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 3 terms
Available for Roth, Traditional, Educational, and Rollover IRAs. Early withdrawal penalties apply (30 days of interest on terms under 2 years; 90 days of interest on 2-year and 3-year terms).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year IRA Certificate. 30-day interest early withdrawal penalty | 4.00% | $400 |
| 24 months2 Year IRA Certificate. 90-day interest early withdrawal penalty | 3.50% | $712 |
| 36 months3 Year IRA Certificate. 90-day interest early withdrawal penalty | 3.50% | $1,087 |
Who can join C-B-W Schools Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members or employees of certain non-school organizations admitted through special charter expansions are eligible for membership.
Military, government and schools
- Employees of schools in Cambria, Bedford, and Somerset counties are eligible for membership.
Family and household
- Spouses, children, parents, sisters, brothers, grandparents, and grandchildren of current members are eligible for membership.
- Immediate family members of school employees in Cambria, Bedford, and Somerset counties who reside within the three-county area are eligible for membership.
Cost to join
- A minimum deposit of $25.00 into a savings account is required upon joining.
Membership information collected October 5, 2026.