Credit union · NCUA insured
Chiphone Federal Credit Union CD Rates
Chiphone Federal Credit Union’s best CD rate is 4.35% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Chiphone Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Elkhart, IN, where Chiphone Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chiphone Federal Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,373
Certificates of Deposit
Top rate
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
2nd-highest rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.35%APY · 8 terms
Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 DAY term | 1.00% | $25 |
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 18 months | 4.15% | $629 |
| 24 months | 4.20% | $858 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.30% | $1,834 |
| 60 months | 4.35% | $2,373 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.35%APY · 8 terms
Offers Traditional, Roth, and Educational IRAs. All IRAs are interest-bearing accounts. Dividends compounded daily and credited monthly. Penalty may/will be imposed for early withdrawal. IRA Annual Fee of $25.00, IRA Transfer Fee of $35.00, and IRA Termination Fee of $35.00 may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 18 months | 4.15% | $629 |
| 24 months | 4.20% | $858 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.30% | $1,834 |
| 60 months | 4.35% | $2,373 |
Sources (4)
- chiphone.org/current-rates/certificates-rates
- chiphone.org/ira
- chiphone.org/wp-content/upload…and-savings-20260722.pdf
- chiphone.org/cds-iras
All captured Sep 18, 2026
Who can join Chiphone Federal Credit Union
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