Credit union · Privately insured
Commstar Credit Union CD Rates
Top CarrotCommstar Credit Union’s best CD rate is 4.50% APY on a 37-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Commstar Credit Union’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where Commstar Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Commstar Credit Union
4.40%APY
- Term
- 37 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,420
Certificate Specials
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
Commstar Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
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 Commstar 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.
Certificate Specials
Up to 4.40%APY · 3 terms
Fixed interest rate for the term of the certificate. Higher interest than a regular Certificate of Deposit. Bonus dividend of 0.05% to APY on balances of $50,000.00 to $99,999.99; bonus dividend of 0.10% to APY on balances of $100,000.00 and higher.
| Term | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 11 months | 4.25% | — | — | 4.25% | $389 |
| 11 monthsIncludes 0.05% APY bonus dividend on balances of $50,000.00 to $99,999.99 | — | 4.30% | — | —4.30% $50k–$100k | — |
| 11 monthsIncludes 0.10% APY bonus dividend on balances of $100,000.00 and higher | — | — | 4.35% | —4.35% from $100k | — |
| 19 months | 4.35% | — | — | 4.35% | $697 |
| 19 monthsIncludes 0.05% APY bonus dividend on balances of $50,000.00 to $99,999.99 | — | 4.40% | — | —4.40% $50k–$100k | — |
| 19 monthsIncludes 0.10% APY bonus dividend on balances of $100,000.00 and higher | — | — | 4.45% | —4.45% from $100k | — |
| 37 months | 4.40% | — | — | 4.40% | $1,420 |
| 37 monthsIncludes 0.05% APY bonus dividend on balances of $50,000.00 to $99,999.99 | — | 4.45% | — | —4.45% $50k–$100k | — |
| 37 monthsIncludes 0.10% APY bonus dividend on balances of $100,000.00 and higher | — | — | 4.50% | —4.50% from $100k | — |
Certificates
Up to 4.30%APY · 9 terms
Fixed interest rate for the term of the certificate. No risk method of earning interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.95% | $196 |
| 12 months | 4.00% | $400 |
| 18 months | 4.05% | $614 |
| 24 months | 4.10% | $837 |
| 30 months | 4.15% | $1,070 |
| 36 months | 4.20% | $1,314 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.30% | $2,343 |
Special-purpose accounts
Certificate IRA
Up to 4.40%APY · 8 terms
Fixed rate for the term of the certificate. Terms 18 to 60 months. Can be tax deductible.
| Term | APY · $500 and up | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 18 months | 4.05% | — | — | — | 4.05% | $614 |
| 19 months | — | 4.35% | — | — | 4.35% | $697 |
| 19 monthsIncludes 0.05% APY bonus dividend on balances of $50,000.00 to $99,999.99 | — | — | 4.40% | — | —4.40% $50k–$100k | — |
| 19 monthsIncludes 0.10% APY bonus dividend on balances of $100,000.00 and higher | — | — | — | 4.45% | —4.45% from $100k | — |
| 24 months | 4.10% | — | — | — | 4.10% | $837 |
| 30 months | 4.15% | — | — | — | 4.15% | $1,070 |
| 36 months | 4.20% | — | — | — | 4.20% | $1,314 |
| 37 months | — | 4.40% | — | — | 4.40% | $1,420 |
| 37 monthsIncludes 0.05% APY bonus dividend on balances of $50,000.00 to $99,999.99 | — | — | 4.45% | — | —4.45% $50k–$100k | — |
| 37 monthsIncludes 0.10% APY bonus dividend on balances of $100,000.00 and higher | — | — | — | 4.50% | —4.50% from $100k | — |
| 48 months | 4.25% | — | — | — | 4.25% | $1,811 |
| 60 months | 4.30% | — | — | — | 4.30% | $2,343 |
Youth Growth Certificate
4.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 and up | 4.00% | $400 |
Sources (1)
- commstar.org/rates · captured Oct 16, 2026
Who can join Commstar Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Lorain County, Cuyahoga County, Erie County, or Huron County.
Membership information collected October 5, 2026.