Credit union · NCUA insured
Combined Employees Credit Union CD Rates
Top CarrotCombined Employees Credit Union’s best CD rate is 3.75% APY on a 3-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Combined Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Warner Robins, GA, where Combined Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Combined Employees Credit Union
3.75%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,168
Share Savings Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
MidSouth Community Federal Credit Union
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $868
Combined Employees Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 Combined Employees 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 Savings Certificates
Up to 3.75%APY · 8 terms
A penalty may be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.50% | — | — | 2.50% | $62 |
| 6 months | 3.00% | — | — | 3.00% | $149 |
| 9 months | 3.00% | — | — | 3.00% | $224 |
| 12 months | 3.25% | 3.25% | 3.25% | 3.25%3.25% from $10k3.25% from $50k | $325 |
| 18 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% from $10k3.50% from $50k | $530 |
| 24 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% from $10k3.50% from $50k | $712 |
| 36 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% from $10k3.75% from $50k | $1,168 |
| 48 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% from $10k3.75% from $50k | $1,587 |
Sources (2)
All captured Oct 22, 2026
Who can join Combined Employees 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This may be incomplete or out of date, so check with the credit union before you apply.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 work or live in Houston County are eligible for membership.
Employers and groups
- Individuals in one of CECU's Select Employee Groups (SEG) are eligible for membership.
Cost to join
- Membership requires a minimum deposit of $5.00 to a share savings account.
Membership information collected October 4, 2026.