Credit union · NCUA insured
Cedar Point Federal Credit Union CD Rates
Top CarrotCedar Point Federal Credit Union’s best CD rate is 4.06% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Cedar Point Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lexington Park, MD, where Cedar Point Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cedar Point Federal Credit Union
4.06%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $441
13 Month Special Certificate Offer
Top rate
Educational Systems Federal Credit Union
4.60%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $698
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Cedar Point Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.44%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.85%
- QualifiedQualified4.06%
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 Cedar Point 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.
13 Month Special Certificate Offer
4.06%APY · 1 term
Cannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews to corresponding regular 12-month certificate rate and term. APY assumes reinvestment at same term for 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsCannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews for 12 months. APY assumes reinvestment at same term for 12 months | 4.06% | $441 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…dules/13-Month-Rates.pdf
All captured Oct 15, 2026
Easy Builder Long Term Certificate Account
4.01%APY · 1 term
Deposits allowed at any time. Deposits of at least $25.00 per month by automatic transfer are required. Renews at then current corresponding regular certificate rate when balance is at least $1,000.00 on maturity date.
| Term | APY · $50 and up | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsDeposits of at least $25.00 per month by automatic transfer are required | — | 4.01% | 4.01% | $401 |
| 12 monthsYoung Investors Option. Deposits of at least $25.00 per month by automatic transfer are required | 4.01% | — | 4.01% | $401 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…es/Certificate-Rates.pdf
All captured Oct 15, 2026
Long Term Certificate Account
Up to 4.01%APY · 5 terms
Rates fixed for the entire term. Penalty charged for early withdrawal. Funds cannot be deposited into existing accounts until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.01% | $401 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.85% | $2,079 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…es/Certificate-Rates.pdf
All captured Oct 15, 2026
Easy Builder Short Term Certificate Account
Up to 3.44%APY · 3 terms
Deposits allowed at any time. Renews at then current corresponding regular certificate rate when balance is at least $1,000.00 on maturity date.
| Term | APY · $50 and up | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 1.51% | 1.51% | $38 |
| 3 monthsYoung Investor Option | 1.51% | — | 1.51% | $38 |
| 6 months | — | 3.44% | 3.44% | $171 |
| 6 monthsYoung Investor Option | 3.44% | — | 3.44% | $171 |
| 9 months | — | 1.71% | 1.71% | $128 |
| 9 monthsYoung Investor Option | 1.71% | — | 1.71% | $128 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…es/Certificate-Rates.pdf
All captured Oct 15, 2026
Short Term Certificate Account
Up to 3.44%APY · 3 terms
APY assumes reinvestment at the same term for 12 months. Early withdrawal penalty applies. Funds cannot be deposited into existing accounts until maturity.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsAPY assumes reinvestment at the same term for 12 months | 1.51% | 1.51% | 1.51%1.51% from $10k | $38 |
| 6 monthsAPY assumes reinvestment at the same term for 12 months | 3.44% | 3.44% | 3.44%3.44% from $10k | $171 |
| 9 monthsAPY assumes reinvestment at the same term for 12 months | 1.71% | 1.71% | 1.71%1.71% from $10k | $128 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…es/Certificate-Rates.pdf
All captured Oct 15, 2026
SoMD Saver Certificate
3.44%APY · 1 term
Promotional 6-month certificate account. Fixed dividend rate of 3.40% yielding 3.44% APY. Automatically renews at the posted 6-month standard rate at the time of maturity. Early withdrawal penalty fee applies. Funds cannot be deposited into existing accounts until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAutomatically renews at the posted 6-month standard rate at the time of maturity, which may be different than this promotional rate | 3.44% | $171 |
Sources (1)
- cpfcu.com/banking-and-investme…-management/certificates · captured Oct 15, 2026
Special-purpose accounts
13 Month Special IRA Certificate Account
4.06%APY · 1 term
Normal IRA restrictions and penalties apply. Cannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews to corresponding regular 12-month certificate rate and term. APY assumes reinvestment at same term for 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNormal IRA restrictions and penalties apply. Cannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews for 12 months. APY assumes reinvestment at same term for 12 months | 4.06% | $441 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…dules/13-Month-Rates.pdf
All captured Oct 15, 2026
All IRA Certificate Accounts
Up to 4.01%APY · 5 terms
Normal IRA restrictions and penalties apply. Additional deposits permitted anytime before maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.01% | $401 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.80% | $2,050 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…es/Certificate-Rates.pdf
All captured Oct 15, 2026
Coverdell Education Savings Account (ESA) Certificate
Up to 4.01%APY · 5 terms
Normal Coverdell ESA restrictions apply. Early withdrawal penalties apply. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.01% | $401 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.80% | $2,050 |
Sources (2)
- cpfcu.com/banking-and-investme…-management/certificates
- cpfcu.com/files/cpfcu/1/file/R…es/Certificate-Rates.pdf
All captured Oct 15, 2026
Who can join Cedar Point Federal Credit Union
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