Credit union · NCUA insured
Catholic & Community CU CD Rates
Catholic & Community CU’s best CD rate is 4.10% APY on a 39-month share certificate (CD). Terms run from 4 months to 5 years. Rates checked October 16, 2026.
How Catholic & Community CU’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Catholic & Community CU has the most branches. $10,000, best rate first.
This credit union’s best
Catholic & Community CU
4.10%APY
- Term
- 39 months
- Minimum
- $500
- Earns on $10,000
- $1,395
Certificate of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Catholic & Community CU CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.80%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 Catholic & Community CU 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.
Certificate of Deposit
Up to 4.10%APY · 11 terms
Dividends are compounded and paid quarterly. Penalty applies for early withdrawal. Certificates can be rolled over at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 3.70% | $122 |
| 6 months | 3.15% | $156 |
| 9 months | 3.15% | $235 |
| 12 months | 3.50% | $350 |
| 15 monthsSpecial Certificates do not automatically renew at maturity | 4.00% | $502 |
| 18 months | 2.65% | $400 |
| 24 months | 2.80% | $568 |
| 36 months | 2.80% | $864 |
| 39 monthsSpecial Certificates do not automatically renew at maturity | 4.10% | $1,395 |
| 48 months | 2.90% | $1,211 |
| 60 months | 3.05% | $1,621 |
Sources (2)
All captured Oct 6, 2026
Strong Start Certificate
3.75%APY
A C&CCU checking account with payroll or government direct deposit is required. Maximum balance is $3,000.00. 12 month maximum term. Early withdrawal penalty applies. Does not automatically renew at maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000A C&CCU checking account with payroll or government direct deposit is required. Special Certificates do not automatically renew at maturity.Up to $3,000 | 3.75% | — | A C&CCU checking account with payroll or government direct deposit is required. Special Certificates do not automatically renew at maturity. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Youth Certificate
5.00%APY
Available to members ages 10 to 17. A parent or guardian must be a joint owner and have a qualifying C&CCU checking account with payroll or government direct deposit. Matures on member's 18th birthday. Maximum balance is $1,000.00. Early withdrawal penalty may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Ages 10–17; parent/guardian joint owner with qualifying C&CCU checking account with payroll/government direct deposit required; matures on 18th birthday.$100 – $1,000 | 5.00% | — | Ages 10–17; parent/guardian joint owner with qualifying C&CCU checking account with payroll/government direct deposit required; matures on 18th birthday. |
Sources (2)
All captured Oct 6, 2026
IRA Certificate
Up to 3.70%APY · 7 terms
Available for 12 months and longer terms. Dividends are paid quarterly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIRA eligibility requires earned income for traditional IRA. Dividends paid quarterly | 3.50% | $350 |
| 18 monthsIRA eligibility requires earned income for traditional IRA. Dividends paid quarterly | 2.65% | $400 |
| 24 monthsIRA eligibility requires earned income for traditional IRA. Dividends paid quarterly | 2.80% | $568 |
| 36 monthsIRA eligibility requires earned income for traditional IRA. Dividends paid quarterly | 2.80% | $864 |
| 39 monthsIRA eligibility requires earned income for traditional IRA. Dividends paid quarterly | 3.70% | $1,253 |
| 48 monthsIRA eligibility requires earned income for traditional IRA. Dividends paid quarterly | 2.90% | $1,211 |
| 60 monthsIRA eligibility requires earned income for traditional IRA. Dividends paid quarterly | 3.05% | $1,621 |
Sources (1)
- catholicandcommunitycu.com/ira-rates · captured Oct 6, 2026
Who can join Catholic & Community CU
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