Credit union · NCUA insured
Chessie Federal Credit Union CD Rates
Chessie Federal Credit Union’s best CD rate is 3.82% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Chessie Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where Chessie Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chessie Federal Credit Union
3.82%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,062
Share Certificates
Top rate
First Peoples Community Federal Credit Union
4.15%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $521
2nd-highest rate
SECU Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $445
Chessie Federal Credit Union CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
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 Chessie 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 3.82%APY · 6 terms
$500 minimum deposit to open. Terms available from 6 months to 5 years. Early withdrawal penalty may apply. Fixed rates. No setup or maintenance fees. Dividends may be added back into the account, transferred to another credit union account, or mailed each month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 2.78% | $278 |
| 24 months | 3.04% | $617 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.82% | $2,062 |
Sources (2)
- chessiefcu.org/accounts/saving…ounts/share-certificates
- chessiefcu.org/rates/savings-mma-share-and-ira-rates
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.82%APY · 6 terms
Funds can be used to purchase CDs within IRA (Traditional and Roth IRA options available). IRA certificates available. No setup fees, no monthly or annual maintenance fees. Early withdrawal penalties apply. Dividends may be added back into the account, transferred to another credit union account, or mailed each month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 2.78% | $278 |
| 24 months | 3.04% | $617 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.82% | $2,062 |
Who can join Chessie 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, as well as businesses and legal entities located in Allegany County (MD), Garrett County (MD), the western portion of Washington County (MD), Mineral County (WV), or Taylor County (WV) are eligible for membership.
Employers and groups
- Employees and members of listed Select Employer Groups are eligible for membership.
Family and household
- All family members of current members are eligible to join.
Cost to join
- An account can be opened online with a $10 deposit.
Membership information collected October 4, 2026.