Credit union · NCUA insured
CEFCU CD Rates
Top CarrotCEFCU’s best CD rate is 3.65% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How CEFCU’s CD rates compare
Compared with banks and credit unions near Peoria, IL, where CEFCU has the most branches. $10,000, best rate first.
This credit union’s best
CEFCU
3.25%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,734
Certificate Accounts
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
CEFCU CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.70%
- 9–15 months9–15 mo2.80%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.25%
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 CEFCU 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.
Jumbo Certificate Accounts
Up to 3.65%APY · 8 terms
Jumbo certificates for $100,000 or more. Terms 3 months–5 years. Dividends compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum to open $100,000 | 2.95% | $73 |
| 6 monthsMinimum to open $100,000 | 3.05% | $151 |
| 12 monthsMinimum to open $100,000 | 3.15% | $315 |
| 18 monthsMinimum to open $100,000 | 3.25% | $491 |
| 24 monthsMinimum to open $100,000 | 3.35% | $681 |
| 36 monthsMinimum to open $100,000 | 3.45% | $1,071 |
| 48 monthsMinimum to open $100,000 | 3.55% | $1,497 |
| 60 monthsMinimum to open $100,000 | 3.65% | $1,963 |
Sources (2)
All captured Oct 16, 2026
Certificate Accounts
Up to 3.25%APY · 8 terms
Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum to open $1,000 | 2.60% | $64 |
| 6 monthsMinimum to open $1,000 | 2.70% | $134 |
| 12 monthsMinimum to open $1,000 | 2.80% | $280 |
| 18 monthsMinimum to open $1,000 | 2.90% | $438 |
| 24 monthsMinimum to open $1,000 | 3.10% | $630 |
| 36 monthsMinimum to open $1,000 | 3.15% | $975 |
| 48 monthsMinimum to open $1,000 | 3.20% | $1,343 |
| 60 monthsMinimum to open $1,000 | 3.25% | $1,734 |
Sources (3)
- cefcu.com/content/docs/certificate-request.pdf
- cefcu.com/personal/save-and-spend/certificates.html
- cefcu.com/rates.html
All captured Oct 6, 2026
My Save Certificate
2.80%APY · 1 term
Earns the same rates as regular Certificates. Additional deposits allowed; no-penalty interest withdrawals; automatic renewal with advance notice. Monthly dividends may be deposited to CEFCU Savings, Checking, IMMA, My Use, Holiday Saver, or Certificates. Rates subject to change daily; dividends compounded and credited monthly; early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum to open $5; maximum deposit $1,000 | 2.80% | — |
Sources (3)
- cefcu.com/my-save-certificate.html
- cefcu.com/personal/save-and-spend/certificates.html
- cefcu.com/rates.html
All captured Oct 6, 2026
Special-purpose accounts
Jumbo HSA Certificate Accounts
Up to 3.65%APY · 8 terms
Jumbo Health Savings Account certificates. Dividends compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum to open $100,000 | 2.95% | $73 |
| 6 monthsMinimum to open $100,000 | 3.05% | $151 |
| 12 monthsMinimum to open $100,000 | 3.15% | $315 |
| 18 monthsMinimum to open $100,000 | 3.25% | $491 |
| 24 monthsMinimum to open $100,000 | 3.35% | $681 |
| 36 monthsMinimum to open $100,000 | 3.45% | $1,071 |
| 48 monthsMinimum to open $100,000 | 3.55% | $1,497 |
| 60 monthsMinimum to open $100,000 | 3.65% | $1,963 |
Sources (1)
- cefcu.com/rates.html · captured Oct 16, 2026
HSA Certificate Accounts
Up to 3.60%APY · 8 terms
Health Savings Account certificates. Dividends compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum to open $1,000 | 2.90% | $72 |
| 6 monthsMinimum to open $1,000 | 3.00% | $149 |
| 12 monthsMinimum to open $1,000 | 3.10% | $310 |
| 18 monthsMinimum to open $1,000 | 3.20% | $484 |
| 24 monthsMinimum to open $1,000 | 3.30% | $671 |
| 36 monthsMinimum to open $1,000 | 3.40% | $1,055 |
| 48 monthsMinimum to open $1,000 | 3.50% | $1,475 |
| 60 monthsMinimum to open $1,000 | 3.60% | $1,934 |
Sources (1)
- cefcu.com/rates.html · captured Oct 16, 2026
Jumbo IRA Certificate Accounts
Up to 3.30%APY · 5 terms
Jumbo IRA Certificates for balances of $100,000 or more; can earn a higher rate than standard IRA Certificates. Dividends compounded and credited monthly. Rates subject to change daily. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum to open $100,000 | 2.86% | — |
| 24 monthsMinimum to open $100,000 | 3.15% | — |
| 36 monthsMinimum to open $100,000 | 3.21% | — |
| 48 monthsMinimum to open $100,000 | 3.25% | — |
| 60 monthsMinimum to open $100,000 | 3.30% | — |
Traditional and Roth IRA Certificates
Up to 3.25%APY · 5 terms
Official schedule covers Traditional and Roth IRA Certificates (and ESA Certificates in the same table). Fixed-term IRA: $500 minimum; terms 1, 2, 3, 4, or 5 years. Dividends compound monthly at the rate in effect when opened. At maturity, automatically renew at the then-current rate for the same term unless instructed otherwise. Jumbo IRA Certificates are a separate product at $100,000 or more. New CESAs cannot be opened. Traditional/Roth/SEP are tax wrappers, not separate rate schedules. No maintenance or set-up fees stated for CEFCU IRAs. IRA also federally insured up to $250,000 by NCUA in addition to other CEFCU accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum to open $500. Traditional and Roth share this schedule | 2.80% | $280 |
| 24 monthsMinimum to open $500. Traditional and Roth share this schedule | 3.10% | $630 |
| 36 monthsMinimum to open $500. Traditional and Roth share this schedule | 3.15% | $975 |
| 48 monthsMinimum to open $500. Traditional and Roth share this schedule | 3.20% | $1,343 |
| 60 monthsMinimum to open $500. Traditional and Roth share this schedule | 3.25% | $1,734 |
Sources (3)
All captured Oct 6, 2026
Who can join CEFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or regularly worship in designated California counties are eligible to join CEFCU.
- Individuals who live or work in designated Illinois counties are eligible to join CEFCU.
Employers and groups
- Employees and retirees of Caterpillar Inc., its subsidiaries, or Caterpillar Dealerships are eligible to join CEFCU.
- CEFCU employees and retirees are eligible to join CEFCU.
- Employees and retirees of CEFCU partner companies are eligible to join CEFCU.
Military, government and schools
- Current members of the ISU Alumni Association or ISU Athletic Boosters Association are eligible to join CEFCU.
3 more ways to join
Family and household
- Household members of someone eligible to join CEFCU are eligible for membership.
- Immediate family members of someone eligible to join CEFCU are eligible for membership.
- Surviving spouses of deceased members or individuals who died within the field of membership are eligible to join CEFCU within six months of death.
Membership information collected October 5, 2026.