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Credit union · NCUA insured

Class Act Federal Credit Union CD Rates

Top Carrot, Carrot Score 88Top Carrot

Class Act Federal Credit Union’s best CD rate is 4.35% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.

How Class Act Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Class Act Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 88

    This credit union’s best

    Class Act Federal Credit Union

    4.35%APY

    Term
    36 months
    Minimum
    $1,000
    Earns on $10,000
    $1,363

    Share Certificate

  • Top Carrot, Carrot Score 95

    Top rate

    Commonwealth Credit Union

    5.00%APY

    Term
    24 months
    Minimum
    $5
    Earns on $10,000
    $1,025

    Commonwealth Credit Union rates

  • 2nd-highest rate

    Lincoln National Bank

    4.65%APY

    Term
    13 months
    Minimum
    $500
    Earns on $10,000
    $505

    Lincoln National Bank rates

Compare CD rates near you →

Class Act Federal Credit Union CD score

94

CD score

Higher than 97% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.00%
  • 9–15 months9–15 mo4.25%
  • 16–30 months16–30 mo4.25%
  • 31–60 months31–60 mo4.35%
  • QualifiedQualified4.35%

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.

How the score works →

Where Class Act 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.

Who can join Class Act Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Military, government and schools

  • Open to students of specified educational communities (including JCPS students/immediate family, U of L students/alumni, Embry-Riddle, Family Scholar House, Galen College of Nursing, Sullivan University).
  • Open to those who work for, retired from, or volunteer at listed educational groups in the area.

Family and household

  • Open to immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, adoptive relationships) or household members of an existing Class Act member.

Other ways

  • Open to residents of Kentucky or Indiana by joining the Kentucky PTA (Class Act pays the join fee).

Cost to join

  • Class Act covers the Kentucky PTA join fee for applicants joining via that route.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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