Credit union · NCUA insured
Central Soya Federal Credit Union CD Rates
Central Soya Federal Credit Union’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Central Soya Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Decatur, IN, where Central Soya Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central Soya Federal Credit Union
4.50%APY
- Term
- 12–24 months
- Minimum
- $500
- Earns on $10,000
- —
Share Certificates
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
3rd-highest rate
3Rivers Federal Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
Central Soya Federal Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo0.70%
- 16–30 months16–30 mo0.55%
- 31–60 months31–60 mo1.00%
- QualifiedQualified1.00%
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 Central Soya 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.
Share Certificates
Up to 4.50%APY · 5 terms
$500.00 minimum deposit required. APR/APY subject to change at any time without notice.
| Term | APY · Any balance | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.50% | — | 0.50% | $25 |
| 12 months | 0.70% | — | 0.70% | $70 |
| 12–24 monthsCD Special: You pick the term, 1 or 2 years. Minimum balance of $5,000.00 | — | 4.50% | 4.50% | $450 |
| 24 months | 0.55% | — | 0.55% | $110 |
| 36 months | 1.00% | — | 1.00% | $303 |
Sources (2)
- centralsoyafcu.org/quick-links/quick-links/rates.html
- centralsoyafcu.org/accounts/accounts/certificates.html
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 7 terms
Open a Traditional, Roth or Coverdell IRA. $500.00 minimum deposit required. APR/APY subject to change at any time without notice.
| Term | APY · Any balance | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.60% | — | 0.60% | $30 |
| 12 months | 0.70% | — | 0.70% | $70 |
| 12–24 monthsIRA Special: You pick the term, 1 or 2 years. Minimum balance of $5,000.00 | — | 4.50% | 4.50% | $450 |
| 24 months | 0.80% | — | 0.80% | $161 |
| 36 months | 1.00% | — | 1.00% | $303 |
| 48 months | 1.10% | — | 1.10% | $447 |
| 60 months | 1.20% | — | 1.20% | $615 |
Sources (1)
- centralsoyafcu.org/accounts/accounts/iras.html · captured Sep 18, 2026
Who can join Central Soya 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 Central Soya FCU are eligible for membership.
- Employees of Bunge North America (formerly Central Soya Co. Inc., and the McMillen Mills) who work in or have headquarters in Fort Wayne or Decatur, IN are eligible for membership.
- Employees of Premiere Agri Technologies, Inc., who work in or are paid from Fort Wayne or Decatur, IN are eligible for membership.
- Employees of Patrick R. Miller, P.C., who work in Decatur, IN are eligible for membership.
- Employees of Ruan Transportation who work in Decatur, IN are eligible for membership.
- Employees of Yoder Farms, Inc. who work in Monroe, IN are eligible for membership.
9 more ways to join
Employers and groups
- Employees of Bellmont Braves Football Booster Club who work in Decatur, IN are eligible for membership.
- Employees of Roehm Racing, LLC who work in, or are paid or supervised from Rockford, Ohio are eligible for membership.
- Members of Fairway Lakes Villa Association, Inc. in Decatur, IN who qualify for membership under its charter and bylaws in effect on October 14, 2003 are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Military, government and schools
- Employees of Saint-Peter Immanuel Lutheran School who work in Decatur, IN are eligible for membership.
- Employees of City of Decatur who work in Decatur, IN are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) and household members living in the same residence maintaining a single economic unit are eligible for membership.
- Spouses of persons who died while within the field of membership of Central Soya FCU are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
Membership information collected October 5, 2026.