Credit union · NCUA insured
Centric Federal Credit Union CD Rates
Top CarrotCentric Federal Credit Union’s best CD rate is 4.30% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Centric Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Monroe, LA, where Centric Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Centric Federal Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $540
Regular Certificate
Top rate
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Centric Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.30%
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 Centric 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.
Regular Certificate
Up to 4.30%APY · 8 terms
Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.75% | $186 |
| 12 monthsPenalty for early withdrawal | 3.75% | $375 |
| 15 monthsPenalty for early withdrawal | 4.30% | $540 |
| 18 monthsPenalty for early withdrawal | 3.85% | $583 |
| 24 monthsPenalty for early withdrawal | 3.90% | $795 |
| 36 monthsPenalty for early withdrawal | 4.00% | $1,249 |
| 48 monthsPenalty for early withdrawal | 4.00% | $1,699 |
| 60 monthsPenalty for early withdrawal | 4.00% | $2,167 |
Sources (1)
- mycentric.org/account-resources/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 7 terms
Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal | 3.75% | $375 |
| 15 monthsPenalty for early withdrawal | 4.30% | $540 |
| 18 monthsPenalty for early withdrawal | 3.85% | $583 |
| 24 monthsPenalty for early withdrawal | 3.90% | $795 |
| 36 monthsPenalty for early withdrawal | 4.00% | $1,249 |
| 48 monthsPenalty for early withdrawal | 4.00% | $1,699 |
| 60 monthsPenalty for early withdrawal | 4.00% | $2,167 |
Sources (1)
- mycentric.org/account-resources/rates · captured Oct 16, 2026
Who can join Centric 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
- Membership is open to anyone who physically lives, works, worships, or attends school, or any businesses and other legal entities located in 22 specified parishes in Louisiana and 6 specified counties in Arkansas.
Cost to join
- Members must pay a one-time membership fee of $3.
- Members must deposit and maintain $5 in a Centric savings account.
Membership information collected October 5, 2026.