Credit union · NCUA insured
CentricityCU CD Rates
CentricityCU’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 5, 2026.
How CentricityCU’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where CentricityCU has the most branches. $10,000, best rate first.
This credit union’s best
CentricityCU
4.00%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $816
Share Certificate
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
CentricityCU CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.53%
- QualifiedQualified4.00%
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 CentricityCU 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 Certificate
Up to 4.00%APY · 9 terms
Fixed dividend rates. $500 minimum deposit to open. Dividends compounded and credited based on term (monthly, quarterly, semi-annually, or at maturity). Penalty for early withdrawal of principal. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited quarterly. Not available for IRA funds | 3.30% | $164 |
| 10 monthsDividends credited at maturity. Not available for IRA funds | 3.00% | $249 |
| 10 monthsNew Money Special. Requires new money (funds not currently on deposit with Centricity Credit Union) | 3.35% | $278 |
| 12 monthsDividends credited quarterly | 3.00% | $300 |
| 15 monthsDividends credited semi-annually. Not available for IRA funds | 3.30% | $414 |
| 18 monthsDividends credited semi-annually. Not available for IRA funds | 2.90% | $438 |
| 24 monthsDividends credited semi-annually | 4.00% | $816 |
| 36 monthsDividends credited semi-annually | 2.02% | $618 |
| 48 monthsDividends credited semi-annually | 2.27% | $939 |
| 60 monthsDividends credited semi-annually | 2.53% | $1,331 |
Sources (2)
- centricity.org/accounts/saving…cates-of-deposit-cd-copy
- centricity.org/accounts/savings/share-certificates
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.00%APY · 5 terms
Available as Traditional IRA or Roth IRA. Fixed dividend rates. $500 minimum deposit to open. Earned dividend withdrawals from IRA certificates are considered a distribution and may be subject to taxation. Penalties apply for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends credited quarterly | 3.00% | $300 |
| 24 monthsDividends credited semi-annually | 4.00% | $816 |
| 36 monthsDividends credited semi-annually | 2.02% | $618 |
| 48 monthsDividends credited semi-annually | 2.27% | $939 |
| 60 monthsDividends credited semi-annually | 2.53% | $1,331 |
Sources (2)
- centricity.org/accounts/retire…-retirement-accounts-ira
- centricity.org/accounts/savings/share-certificates
All captured Oct 5, 2026
Who can join CentricityCU
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, worship, or attend school in St. Louis, Carlton, Lake, Pine, or Douglas County are eligible to join Centricity.
Membership information collected October 4, 2026.