Credit union · NCUA insured
Cardinal Credit Union CD Rates
Cardinal Credit Union’s best CD rate is 4.50% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Cardinal Credit Union’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where Cardinal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cardinal Credit Union
4.50%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $260
7-Month CD Special
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
Cardinal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.50%
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 Cardinal 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.
7-Month CD Special
4.50%APY · 1 term
7-Month CD Special. $5,000 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 4.50% | $260 |
Sources (1)
- cardinalcu.com · captured Oct 6, 2026
Certificates of Deposits
Up to 4.00%APY · 10 terms
Dividends are paid monthly on all savings products. Penalty for early withdrawal. $500 minimum deposit on Certificates, $5,000 minimum deposit for Promotional Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty assessed for early withdrawal | 1.00% | $25 |
| 4 monthsPromotional Certificate. Penalty assessed for early withdrawal. $5,000 minimum deposit for Promotional Certificates | 3.90% | $128 |
| 6 monthsPenalty assessed for early withdrawal | 3.70% | $183 |
| 9 monthsPenalty assessed for early withdrawal | 2.50% | $187 |
| 12 monthsPenalty assessed for early withdrawal | 4.00% | $400 |
| 18 monthsPenalty assessed for early withdrawal | 2.50% | $377 |
| 24 monthsPenalty assessed for early withdrawal | 2.25% | $455 |
| 36 monthsPenalty assessed for early withdrawal | 2.25% | $690 |
| 48 monthsPenalty assessed for early withdrawal | 2.25% | $931 |
| 60 monthsPenalty assessed for early withdrawal | 2.25% | $1,177 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 9 terms
Individual Retirement Accounts may also be obtained as a certificate. IRA Certificates now match traditional, non-promotional CD rates offered. $500 minimum deposit on IRA Certificates. Penalty for early withdrawal. Dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 1.00% | $25 |
| 6 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 3.70% | $183 |
| 9 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 2.50% | $187 |
| 12 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 4.00% | $400 |
| 18 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 2.50% | $377 |
| 24 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 2.25% | $455 |
| 36 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 2.25% | $690 |
| 48 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 2.25% | $931 |
| 60 monthsMatches traditional CD rate. Penalty assessed for early withdrawal | 2.25% | $1,177 |
Sources (2)
All captured Oct 6, 2026
Who can join Cardinal Credit Union
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