Credit union · NCUA insured
CDC Federal Credit Union CD Rates
CDC Federal Credit Union’s best CD rate is 2.53% APY on a 1-year share certificate (CD). Terms run from 2 months to 5 years. Rates checked October 22, 2026.
How CDC Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where CDC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
Rewards Certificates
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
3rd-highest rate
Coastal States Bank
4.50%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $260
CDC Federal Credit Union CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo1.26%
- 31–60 months31–60 mo1.51%
- QualifiedQualified4.59%
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 CDC 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.
Rewards Certificates
Up to 4.59%APY · 3 terms
Rate depends on certificate term, length of membership tenure, and having an active checking account. Early withdrawal penalty may apply. $1,000 minimum balance to open account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTenure 0-4 Yrs; Active Checking: Yes | 2.78% | $278 |
| 12 monthsTenure 10-14 Yrs; Active Checking: Yes | 3.56% | $356 |
| 12 monthsTenure 15-19 Yrs; Active Checking: No | 3.30% | $330 |
| 12 monthsTenure 15-19 Yrs; Active Checking: Yes | 4.07% | $407 |
| 12 monthsTenure 20+ Yrs; Active Checking: Yes | 4.59% | $459 |
| 12 monthsTenure 5-9 Yrs; Active Checking: Yes | 3.04% | $304 |
| 36 monthsTenure 0-4 Yrs; Active Checking: Yes | 1.26% | $383 |
| 36 monthsTenure 10-14 Yrs; Active Checking: Yes | 2.02% | $618 |
| 36 monthsTenure 15-19 Yrs; Active Checking: No | 1.76% | $537 |
| 36 monthsTenure 15-19 Yrs; Active Checking: Yes | 2.53% | $778 |
| 36 monthsTenure 20+ Yrs; Active Checking: Yes | 3.04% | $940 |
| 36 monthsTenure 5-9 Yrs; Active Checking: Yes | 1.51% | $460 |
| 60 monthsTenure 0-4 Yrs; Active Checking: Yes | 1.51% | $778 |
| 60 monthsTenure 10-14 Yrs; Active Checking: Yes | 2.27% | $1,188 |
| 60 monthsTenure 15-19 Yrs; Active Checking: No | 2.02% | $1,052 |
| 60 monthsTenure 15-19 Yrs; Active Checking: Yes | 2.78% | $1,469 |
| 60 monthsTenure 20+ Yrs; Active Checking: Yes | 3.30% | $1,763 |
| 60 monthsTenure 5-9 Yrs; Active Checking: Yes | 1.76% | $912 |
Certificate Account
Up to 2.53%APY · 7 terms
Monthly compounding and crediting. Penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2–5 months | 0.50% | $8 |
| 6–11 months | 1.00% | $50 |
| 12–23 months | 2.53% | $253 |
| 24–35 months | 1.26% | $254 |
| 36–47 months | 1.00% | $303 |
| 48–59 months | 1.51% | $618 |
| 60–84 months | 1.26% | $646 |
Special-purpose accounts
IRA Certificate Account
Up to 2.53%APY · 7 terms
Monthly compounding and crediting. Penalty may apply for early withdrawal. Minimum opening deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2–5 months | 0.50% | $8 |
| 6–11 months | 1.00% | $50 |
| 12–23 months | 2.53% | $253 |
| 24–35 months | 1.26% | $254 |
| 36–47 months | 1.00% | $303 |
| 48–59 months | 1.51% | $618 |
| 60–84 months | 1.26% | $646 |
Sources (3)
All captured Oct 5, 2026
Student Certificate Account
Up to 2.53%APY · 7 terms
Monthly compounding and crediting. Penalty may apply for early withdrawal. Minimum opening deposit is $500 for ages 18–23 and $250 for members under age 18.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2–5 months | 0.50% | $8 |
| 2–5 monthsFor ages 18-23 | 0.50% | $8 |
| 6–11 months | 1.00% | $50 |
| 6–11 monthsFor ages 18-23 | 1.00% | $50 |
| 12–23 months | 2.53% | $253 |
| 12–23 monthsFor ages 18-23 | 2.53% | $253 |
| 24–35 months | 1.26% | $254 |
| 24–35 monthsFor ages 18-23 | 1.26% | $254 |
| 36–47 months | 1.00% | $303 |
| 36–47 monthsFor ages 18-23 | 1.00% | $303 |
| 48–59 months | 1.51% | $618 |
| 48–59 monthsFor ages 18-23 | 1.51% | $618 |
| 60–84 months | 1.26% | $646 |
| 60–84 monthsFor ages 18-23 | 1.26% | $646 |
Who can join CDC Federal 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 residing or working in portions of DeKalb, Fulton, or Gwinnett Counties are eligible for membership.
Employers and groups
- Employees of the American Cancer Society are eligible for membership.
- Employees of Children's Healthcare of Atlanta are eligible for membership.
- Employees of over 100 other Select Employee Groups are eligible for membership.
- Employees of Whole Foods are eligible for membership.
Military, government and schools
- Employees, subsidiaries, affiliates, or contractors of the Centers for Disease Control and Prevention are eligible for membership.
1 more way to join
Family and household
- Relatives of individuals residing or working in portions of DeKalb, Fulton, or Gwinnett Counties are eligible for membership.
Membership information collected October 4, 2026.