Credit union · NCUA insured
Cascade Federal Credit Union CD Rates
Cascade Federal Credit Union’s best CD rate is 4.15% APY on a 14-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Cascade Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Cascade Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cascade Federal Credit Union
4.15%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
14-Month Certificate Special
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Cascade Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.34%
- 31–60 months31–60 mo2.62%
- 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 Cascade 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.
14-Month Certificate Special
4.15%APY · 1 term
Offer available October 1 - November 20, 2026. Special certificate will renew automatically as a 12-month certificate at the current dividend rate. To qualify, members must either 1) fund the certificate with at least half in new money that has not been on deposit with the credit union in the last 30 days, or 2) proactively contact us to roll over a certificate that is set to mature between October 1 and November 20, 2026, retaining the funds from the maturing certificate. Fees may reduce earnings. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsSpecial certificate will renew automatically as a 12-month certificate at the current dividend rate. To qualify, members must either 1) fund the certificate with at least half in new money that has not been on deposit with the credit union in the last 30 days, or 2) proactively contact us to roll over a certificate that is set to mature between October 1 and November 20, 2026, retaining the funds from the maturing certificate | 4.15% | $486 |
Sources (2)
All captured Oct 22, 2026
Member Appreciation Certificates
Up to 3.80%APY · 2 terms
Only one Member Appreciation Certificate is allowed per primary member. Not eligible for the 10+ year member rate bonus. Maximum deposit of $50,000. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsMaximum $50,000. Only one Member Appreciation Certificate is allowed per primary member. Not eligible for 10+ year member rate increase | 3.80% | $316 |
| 20 monthsMaximum $50,000. Only one Member Appreciation Certificate is allowed per primary member. Not eligible for 10+ year member rate increase | 3.34% | $563 |
Sources (2)
All captured Oct 22, 2026
Certificates
Up to 3.51%APY · 6 terms
If you have been a member for 10 or more years, enjoy a rate increase of 0.05% APY on all certificates except for the Member Appreciation Certificates and special certificates. 36-, 48- and 60-month certificate options opened on or after September 1, 2022, have the option to bump up your rate once per term. EARLY WITHDRAWAL PENALTY: Terms of less than 12 months: 90 days dividends on amount withdrawn. Terms of 12 to 35 months: 180 days dividends on amount withdrawn. Terms of 36 months or greater: 365 days of dividends on amount withdrawn.
| Term | APY · $1,000 and up | APY · $60,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.50% | 3.60% | 3.50%3.60% from $60k | $173 |
| 12 months | 3.51% | 3.61% | 3.51%3.61% from $60k | $351 |
| 24 months | 2.98% | 3.08% | 2.98%3.08% from $60k | $605 |
| 36 monthsOption to bump up your rate once per term if opened on or after September 1, 2022 | 2.62% | 2.72% | 2.62%2.72% from $60k | $807 |
| 48 monthsOption to bump up your rate once per term if opened on or after September 1, 2022 | 2.42% | 2.52% | 2.42%2.52% from $60k | $1,004 |
| 60 monthsOption to bump up your rate once per term if opened on or after September 1, 2022 | 2.57% | 2.67% | 2.57%2.67% from $60k | $1,353 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 3.51%APY · 5 terms
Available in all tiers and terms of 12 months or longer as regular certificates, with the exception of Member Appreciation Certificates and special certificates. $25 annual fee waived by maintaining a $500 minimum balance. Traditional and Roth IRA options available.
| Term | APY · $1,000 and up | APY · $60,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsAvoid the $25 annual fee by maintaining a $500 minimum balance | 3.51% | 3.61% | 3.51%3.61% from $60k | $351 |
| 24 monthsAvoid the $25 annual fee by maintaining a $500 minimum balance | 2.98% | 3.08% | 2.98%3.08% from $60k | $605 |
| 36 monthsAvoid the $25 annual fee by maintaining a $500 minimum balance. Option to bump up your rate once per term if opened on or after September 1, 2022 | 2.62% | 2.72% | 2.62%2.72% from $60k | $807 |
| 48 monthsAvoid the $25 annual fee by maintaining a $500 minimum balance. Option to bump up your rate once per term if opened on or after September 1, 2022 | 2.42% | 2.52% | 2.42%2.52% from $60k | $1,004 |
| 60 monthsAvoid the $25 annual fee by maintaining a $500 minimum balance. Option to bump up your rate once per term if opened on or after September 1, 2022 | 2.57% | 2.67% | 2.57%2.67% from $60k | $1,353 |
Who can join Cascade Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employer groups are eligible for membership.
Family and household
- Immediate family members of current Cascade FCU members are eligible to join.
Other ways
- Individuals can join the Great Northern & Cascade Railway Association for free to become eligible for membership.
- Individuals referred by a current Cascade FCU member are eligible for membership.
Cost to join
- Membership begins with applying for a savings account with a $5 deposit.
Membership information collected October 4, 2026.