Credit union · NCUA insured
CommonWealth One CD Rates
CommonWealth One’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How CommonWealth One’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where CommonWealth One has the most branches. $10,000, best rate first.
This credit union’s best
CommonWealth One
3.55%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $355
Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
CommonWealth One CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.49%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.49%
- 31–60 months31–60 mo3.39%
- QualifiedQualified3.55%
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 One 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.
Jumbo Share Certificate
Up to 3.65%APY · 6 terms
Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Automatically renews at maturity with a 7-day grace period. Additional deposits not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.65% | $365 |
| 18 months | 3.55% | $537 |
| 24 months | 3.60% | $733 |
| 36 months | 3.49% | $1,084 |
| 48 months | 3.49% | $1,471 |
| 60 months | 3.44% | $1,842 |
Share Certificate
Up to 3.55%APY · 8 terms
Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Automatically renews at maturity with a 7-day grace period. Additional deposits not permitted except for the 15-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.49% | $173 |
| 12 months | 3.55% | $355 |
| 15 monthsAdditional deposits allowed in increments of $50.00 | 2.32% | $291 |
| 18 months | 3.45% | $522 |
| 24 months | 3.49% | $710 |
| 36 months | 3.39% | $1,052 |
| 48 months | 3.39% | $1,427 |
| 60 months | 3.34% | $1,785 |
Special-purpose accounts
Jumbo IRA Share Certificate
Up to 3.65%APY · 6 terms
Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months (penalties may be waived for required IRA distributions). Automatically renews at maturity with a 7-day grace period. Additional deposits not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.65% | $365 |
| 18 months | 3.55% | $537 |
| 24 months | 3.60% | $733 |
| 36 months | 3.49% | $1,084 |
| 48 months | 3.49% | $1,471 |
| 60 months | 3.44% | $1,842 |
Sources (2)
- cofcu.org/connect/information/…es/deposit-account-rates
- cofcu.org/disclosures/truth-in-savings-disclosure
All captured Sep 19, 2026
IRA Share Certificate
Up to 3.55%APY · 7 terms
Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months (penalties may be waived for required IRA distributions). Automatically renews at maturity with a 7-day grace period. 6-Month term is not available for IRA accounts. Additional deposits not permitted except for 15-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 15 monthsAdditional deposits allowed in increments of $50.00 | 2.32% | $291 |
| 18 months | 3.45% | $522 |
| 24 months | 3.49% | $710 |
| 36 months | 3.39% | $1,052 |
| 48 months | 3.39% | $1,427 |
| 60 months | 3.34% | $1,785 |
Coverdell Education Share Certificate
Up to 3.49%APY · 7 terms
Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. 12-Month term is not available as Coverdell Education Share Certificate. Additional deposits not permitted except for 15-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.49% | $173 |
| 15 monthsAdditional deposits allowed in increments of $50.00 | 2.32% | $291 |
| 18 months | 3.45% | $522 |
| 24 months | 3.49% | $710 |
| 36 months | 3.39% | $1,052 |
| 48 months | 3.39% | $1,427 |
| 60 months | 3.34% | $1,785 |
Sources (2)
- cofcu.org/connect/information/…es/deposit-account-rates
- cofcu.org/disclosures/truth-in-savings-disclosure
All captured Sep 19, 2026
Who can join CommonWealth One
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals who live, work, worship, go to school, or volunteer in eligible areas, including Washington D.C., Harrisonburg, VA, Warren County, VA, or Clarke County, VA.
Employers and groups
- Membership is available to employees of qualifying sponsor groups or select employer groups.
Family and household
- Membership is available to immediate family members of existing members (including spouses, children, siblings, parents, grandparents, grandchildren) and household members maintaining a single economic unit.
Other ways
- Membership is available through joining the American Consumer Council (ACC), with the one-time enrollment fee covered by the credit union.
Cost to join
- To access services and join, open a savings account and deposit at least $5.
Membership information collected October 4, 2026.