Credit union · NCUA insured
Community 1st Credit Union CD Rates
Community 1st Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Community 1st Credit Union’s CD rates compare
Compared with banks and credit unions in Montana, where Community 1st Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community 1st Credit Union
3.82%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $189
Share Certificate
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $920
Community 1st Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.82%
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 Community 1st 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 Certificate
Up to 3.82%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.82% | $189 |
| 12 months | 3.82% | $381 |
| 18 months | 3.82% | $578 |
| 24 months | 3.82% | $778 |
| 36 months | 3.04% | $941 |
Sources (1)
- c1stfcu.com/loans · captured Sep 16, 2026
3 Year “Bump” Certificate
2.79%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 2.79% | $859 |
Sources (1)
- c1stfcu.com/loans · captured Sep 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.07%APY · 3 terms
Available as Traditional IRA Certificate, Regular IRA Certificate, or Roth IRA Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional IRA Certificate | 3.82% | $189 |
| 12 monthsRegular IRA Certificate and Roth IRA Certificate | 3.82% | $381 |
| 24 monthsRoth IRA Certificate and Regular IRA Certificate | 4.07% | $831 |
Sources (1)
- c1stfcu.com/loans · captured Sep 16, 2026
Who can join Community 1st 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This may be incomplete or out of date, so check with the credit union before you apply.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 includes residents of the community charter area encompassing Custer, Rosebud, Garfield, Powder River, and Prairie counties.
Membership information collected October 4, 2026.