Credit union · NCUA insured
Cheney Federal Credit Union CD Rates
Top CarrotCheney Federal Credit Union’s best CD rate is 3.65% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Cheney Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Spokane, WA, where Cheney Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cheney Federal Credit Union
3.55%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $176
Share Certificate
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
Cheney Federal Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
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 Cheney 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.
Super Share Certificate
3.65%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 12 months | 3.65% | $365 |
| 18 months | 3.65% | $552 |
| 24 months | 3.65% | $743 |
Sources (1)
- cheneyfcu.com/rates · captured Oct 4, 2026
Bump Rate Certificate
3.55%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.55% | $1,103 |
Sources (1)
- cheneyfcu.com/rates · captured Oct 4, 2026
Share Certificate
3.55%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.55% | $355 |
| 18 months | 3.55% | $537 |
| 24 months | 3.55% | $723 |
Sources (1)
- cheneyfcu.com/rates · captured Oct 4, 2026
Special-purpose accounts
IRA Share Certificate
3.03%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.03% | $458 |
| 36 months | 3.03% | $937 |
| 48 months | 3.03% | $1,268 |
| 60 months | 3.03% | $1,610 |
Sources (1)
- cheneyfcu.com/rates · captured Oct 4, 2026
Who can join Cheney 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
- Individuals who live, work, worship, or attend school in the Cheney or Medical Lake School Districts are eligible for membership.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in the Cheney or Medical Lake School Districts are eligible for membership.
Membership information collected October 4, 2026.