Credit union · NCUA insured
Circle Federal Credit Union CD Rates
Top CarrotCircle Federal Credit Union’s best CD rate is 4.02% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Circle Federal Credit Union’s CD rates compare
Compared with banks and credit unions near South Bend, IN-MI, where Circle Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Circle Federal Credit Union
4.02%APY
- Term
- 6 months
- Minimum
- $100
- Earns on $10,000
- $199
Term Share Certificates
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
Circle Federal Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo4.02%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo2.35%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.02%
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 Circle 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.
Term Share Certificates
Up to 4.02%APY · 7 terms
Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.02% | $199 |
| 12 months | 3.51% | $351 |
| 18 months | 2.35% | $355 |
| 24 months | 2.35% | $476 |
| 36 months | 2.40% | $737 |
| 48 months | 2.40% | $995 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA (Individual Retirement Accounts) Term Share Certificates
Up to 2.68%APY · 3 terms
All Term Share Certificates have an early withdrawal penalty. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.53% | $253 |
| 24 months | 2.68% | $543 |
| 36 months | 2.58% | $794 |
Sources (3)
- circlefcu.org/rates-and-fees/savings-rates
- circlefcu.org/term-share-certificate
- circlefcu.org/individual-retirement-accounts
All captured Oct 5, 2026
Who can join Circle 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This may be incomplete or out of date, so check with the credit union before you apply.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 in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Employers and groups
- Individuals who work in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Military, government and schools
- Individuals who attend school in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Family and household
- Eligible immediate family and household members of a Circle FCU member may qualify for membership regardless of employment or residency.
Other ways
- Individuals who worship in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Cost to join
- Membership begins by establishing ownership with a Share Savings Account.
Membership information collected October 5, 2026.