Credit union · NCUA insured
Commonwealth Credit Union CD Rates
Top CarrotCommonwealth Credit Union’s best CD rate is 5.00% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Commonwealth Credit Union’s CD rates compare
Compared with banks and credit unions near Lexington, KY, where Commonwealth Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Wealth Development Certificate
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
3rd-highest rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
Commonwealth Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo5.00%
- 31–60 months31–60 mo5.00%
- QualifiedQualified5.00%
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 Commonwealth 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.
Wealth Development Certificate
5.00%APY · 2 terms
Each member may only have one account. Requires direct monthly transfer from savings ($20 min/$400 max per month for 24-month terms; $20 min/$200 max per month for 48-month terms). One withdrawal allowed within a 90-day period; a subsequent withdrawal in the same 90-day period incurs penalty and closes account. Will not renew at maturity; funds transfer to Regular Savings. Dividends paid annually on anniversary of open date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsRequired monthly transfer from savings: $20 minimum, $400 maximum per month. Dividends compounded and credited annually. One withdrawal allowed per 90-day period. Transfer to Regular Savings at maturity | 5.00% | $1,025 |
| 48 monthsRequired monthly transfer from savings: $20 minimum, $200 maximum per month. Dividends compounded and credited annually. One withdrawal allowed per 90-day period. Transfer to Regular Savings at maturity | 5.00% | $2,155 |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/certificates
All captured Oct 5, 2026
Certificate
Up to 4.50%APY · 8 terms
Dividends compounded and credited monthly. Fixed dividend rate and APY for the term. Assumes dividends remain on deposit until maturity. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. After account opening, additional deposits are not permitted. $10,000 required for monthly dividend check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.15% | $205 |
| 9 months | 4.20% | $313 |
| 12 months | 4.25% | $425 |
| 18 months | 4.30% | $652 |
| 24 months | 4.35% | $889 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/certificates
All captured Oct 5, 2026
Jumbo Certificate
Up to 4.35%APY · 2 terms
Limited time offer. Minimum deposit/balance of $75,000. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Auto-renews to a Jumbo Certificate with same term at standard Jumbo rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.25% | — |
| 12 months | 4.35% | — |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/jumbo-certificates
- ccuky.org/my-campus/discover/rates
All captured Oct 5, 2026
New Money Certificate
Up to 4.35%APY · 2 terms
New money only, not funds currently on deposit with Commonwealth Credit Union. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Auto-renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew money only, not funds currently on deposit with Commonwealth Credit Union | 4.25% | $210 |
| 15 monthsNew money only, not funds currently on deposit with Commonwealth Credit Union | 4.35% | $547 |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/certificates
All captured Oct 5, 2026
Special-purpose accounts
Grow with Me Certificate
5.25%APY · 1 term
Available only for members under 18 years of age. Each member may only have one account. Maximum initial deposit is $1,000. No more than $1,000 may be deposited each year the account is open; if the maximum is not deposited in a year, make-up deposits can be made the following year up to the cumulative $1,000/year limit. Deposits via Digital Banking are not permitted. Matures on 18th birthday, at which time funds transfer to membership share account. After 7 days of opening, up to 2 withdrawals are permitted without penalty; subsequent withdrawals subject to penalty. APY is 1.00% above standard 12-month certificate APY in effect when opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable only for members under 18 years of age. Maximum initial deposit is $1,000. Annual deposit limit of $1,000 per year. Matures on 18th birthday | 5.25% | — |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/certificates
All captured Oct 5, 2026
IRA Certificate
Up to 4.50%APY · 8 terms
Available for Traditional and Roth IRAs. Dividends compounded and credited monthly. Fixed dividend rate and APY for the term. Assumes dividends remain on deposit until maturity. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. No early withdrawal penalty if the owner attains age 59 1/2 or becomes disabled and begins making periodic withdrawals. After account opening, additional deposits are not permitted. $10,000 required for monthly dividend check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.15% | $205 |
| 9 months | 4.20% | $313 |
| 12 months | 4.25% | $425 |
| 18 months | 4.30% | $652 |
| 24 months | 4.35% | $889 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/certificates
All captured Oct 5, 2026
Jumbo IRA Certificate
Up to 4.35%APY · 2 terms
Available for Traditional and Roth IRAs. Limited time offer. Minimum deposit/balance of $75,000. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Auto-renews to a Jumbo Certificate with same term at standard Jumbo rates. No early withdrawal penalty if the owner attains age 59 1/2 or becomes disabled and begins making periodic withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.25% | — |
| 12 months | 4.35% | — |
Sources (2)
All captured Oct 5, 2026
New Money IRA Certificate
Up to 4.35%APY · 2 terms
Available for Traditional and Roth IRAs. New money only, not funds currently on deposit with Commonwealth Credit Union. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Auto-renewable. No early withdrawal penalty if the owner attains age 59 1/2 or becomes disabled and begins making periodic withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew money only, not funds currently on deposit with Commonwealth Credit Union | 4.25% | $210 |
| 15 monthsNew money only, not funds currently on deposit with Commonwealth Credit Union | 4.35% | $547 |
Sources (2)
All captured Oct 5, 2026
Who can join Commonwealth Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, conducting business, worshipping, or attending school in 35 specified Kentucky counties, as well as businesses located there, are eligible to join.
Employers and groups
- Employees of Baptist Health Lexington or Zoeller are eligible for membership.
Military, government and schools
- Members of Kentucky Education Association or Kentucky Retired Teachers Association are eligible to join.
- Employees and members of specific state government and education entities in Kentucky are eligible for membership.
Family and household
- Immediate family members of current members are eligible to join.
Other ways
- Individuals can become eligible for membership by joining one of the credit union's partner associations at no cost.
Membership information collected October 4, 2026.