Credit union · NCUA insured
CFCCU CD Rates
Top CarrotCFCCU’s best CD rate is 4.40% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How CFCCU’s CD rates compare
Compared with banks and credit unions near Waterloo, IA, where CFCCU has the most branches. $10,000, best rate first.
This credit union’s best
CFCCU
4.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $430
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
CFCCU CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.65%
- 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 CFCCU 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 Certificates
Up to 4.40%APY · 8 terms
Compounded quarterly. Dividend rates fixed when opened. Penalty for early withdrawal. $100,000 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited Time Special | 4.25% | — |
| 12 monthsLimited Time Special | 4.40% | — |
| 18 monthsLimited Time Special | 4.30% | — |
| 24 monthsLimited Time Special | 4.35% | — |
| 30 months | 2.85% | — |
| 36 months | 3.75% | — |
| 41 months | 2.85% | — |
| 60 months | 2.85% | — |
Share Certificates
Up to 4.30%APY · 8 terms
Compounded quarterly. Dividend rates fixed when opened. Penalty for early withdrawal. $1,000 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited Time Special | 4.15% | $205 |
| 12 monthsLimited Time Special | 4.30% | $430 |
| 18 monthsLimited Time Special | 4.20% | $637 |
| 24 monthsLimited Time Special | 4.25% | $868 |
| 30 months | 2.75% | $702 |
| 36 months | 3.65% | $1,135 |
| 41 months | 2.75% | $971 |
| 60 months | 2.75% | $1,453 |
Special-purpose accounts
Youth Certificates
4.00%APY · 1 term
Only available for members under age 18. Penalty for early withdrawal. Member may add to certificate balance at any time. Dividends compounded quarterly. Fixed rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Add-On. Only available for members under age 18. Member may add to certificate balance at any time | 4.00% | $99 |
Who can join CFCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to individuals who live or work in 20 Iowa counties (Allamakee, Benton, Black Hawk, Bremer, Buchanan, Butler, Chickasaw, Clayton, Delaware, Grundy, Fayette, Floyd, Franklin, Hardin, Howard, Linn, Marshall, Mitchell, Tama, and Winneshiek).
Family and household
- Open to individuals who have an immediate family member who is a member of the Credit Union.
Cost to join
- A deposit of $5 into a savings account is required upon opening membership.
Membership information collected October 4, 2026.