Credit union · NCUA insured
Canopy Credit Union CD Rates
Canopy Credit Union’s best CD rate is 4.15% APY on an 18-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Canopy Credit Union’s CD rates compare
Compared with banks and credit unions near Spokane, WA, where Canopy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Canopy Credit Union
4.15%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $629
Term Share Account
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
Canopy Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.15%
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 Canopy 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.
Term Share Account
Up to 4.15%APY · 5 terms
Early withdrawal penalty may apply. Fixed rates with dividends compounded and credited monthly. Zero fees.
| Term | APY · $500 – $4,999 | APY · $5,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.20% | 3.30% | 3.40% | 3.30%3.20% $500–$5k3.40% from $50k | $164 |
| 12 months | 3.40% | 3.50% | 3.60% | 3.50%3.40% $500–$5k3.60% from $50k | $350 |
| 18 monthsSpecial Rate! | 4.15% | 4.15% | 4.15% | 4.15%4.15% $500–$5k4.15% from $50k | $629 |
| 24 months | 3.65% | 3.75% | 3.85% | 3.75%3.65% $500–$5k3.85% from $50k | $764 |
| 36 months | 3.70% | 3.80% | 3.90% | 3.80%3.70% $500–$5k3.90% from $50k | $1,184 |
Sources (1)
- canopycu.com/rates/term-share-accounts · captured Oct 15, 2026
Special-purpose accounts
IRA Term Share Account
Up to 3.80%APY · 4 terms
Early withdrawal penalty may apply. Fixed rates with dividends compounded and credited monthly. Subject to $25 annual IRA maintenance fee.
| Term | APY · $500 – $4,999 | APY · $5,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.20% | 3.30% | 3.40% | 3.30%3.20% $500–$5k3.40% from $50k | $164 |
| 12 months | 3.40% | 3.50% | 3.60% | 3.50%3.40% $500–$5k3.60% from $50k | $350 |
| 24 months | 3.65% | 3.75% | 3.85% | 3.75%3.65% $500–$5k3.85% from $50k | $764 |
| 36 months | 3.70% | 3.80% | 3.90% | 3.80%3.70% $500–$5k3.90% from $50k | $1,184 |
Sources (2)
All captured Oct 15, 2026
Who can join Canopy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Employers and groups
- Individuals who belong to a partner association in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Membership information collected October 4, 2026.