Credit union · NCUA insured
Community Choice Credit Union CD Rates
Community Choice Credit Union’s best CD rate is 4.25% APY on an 8-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Community Choice Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Community Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Choice Credit Union
4.25%APY
- Term
- 8 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $281
Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Community Choice Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.39%
- 31–60 months31–60 mo0.80%
- QualifiedQualified4.00%
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 Community Choice 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 of Deposit
Up to 4.25%APY · 10 terms
Penalties may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.30% | $15 |
| 8 monthsMust deposit $5K from a different institution or have direct deposit with Community Choice | 4.25% | $281 |
| 12 months | 0.45% | $45 |
| 15 monthsAvailable for a very limited time | 4.00% | $502 |
| 18 months | 0.45% | $68 |
| 24 months | 0.50% | $100 |
| 29 monthsAvailable for a very limited time | 3.39% | $839 |
| 36 months | 0.60% | $181 |
| 48 months | 0.70% | $283 |
| 60 months | 0.80% | $406 |
Sources (1)
- comchoicecu.org/plan/certificates · captured Oct 5, 2026
Jumbo Certificate of Deposit
Up to 4.10%APY · 8 terms
Penalties may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.40% | — |
| 12 months | 0.55% | — |
| 15 monthsAvailable for a very limited time | 4.10% | — |
| 24 months | 0.60% | — |
| 29 monthsAvailable for a very limited time | 3.51% | — |
| 36 months | 0.70% | — |
| 48 months | 0.80% | — |
| 60 months | 0.90% | — |
Sources (1)
- comchoicecu.org/plan/certificates · captured Oct 5, 2026
Mini Certificate of Deposit
0.15%APY · 6 terms
Penalties may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.15% | $7 |
| 12 months | 0.15% | $15 |
| 24 months | 0.15% | $30 |
| 36 months | 0.15% | $45 |
| 48 months | 0.15% | $60 |
| 60 months | 0.15% | $75 |
Sources (1)
- comchoicecu.org/plan/certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 10 terms
Penalties may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.30% | $15 |
| 8 monthsMust deposit $5K from a different institution or have direct deposit with Community Choice | 4.25% | $281 |
| 12 months | 0.45% | $45 |
| 15 monthsAvailable for a very limited time | 4.00% | $502 |
| 18 months | 0.45% | $68 |
| 24 months | 0.50% | $100 |
| 29 monthsAvailable for a very limited time | 3.39% | $839 |
| 36 months | 0.60% | $181 |
| 48 months | 0.70% | $283 |
| 60 months | 0.80% | $406 |
Sources (1)
- comchoicecu.org/plan/certificates · captured Oct 5, 2026
IRA Jumbo Certificate
Up to 4.10%APY · 8 terms
Penalties may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.40% | — |
| 12 months | 0.55% | — |
| 15 monthsAvailable for a very limited time | 4.10% | — |
| 24 months | 0.60% | — |
| 29 monthsAvailable for a very limited time | 3.51% | — |
| 36 months | 0.70% | — |
| 48 months | 0.80% | — |
| 60 months | 0.90% | — |
Sources (1)
- comchoicecu.org/plan/certificates · captured Oct 5, 2026
IRA Mini Certificate
0.15%APY · 6 terms
Penalties may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.15% | $7 |
| 12 months | 0.15% | $15 |
| 24 months | 0.15% | $30 |
| 36 months | 0.15% | $45 |
| 48 months | 0.15% | $60 |
| 60 months | 0.15% | $75 |
Sources (1)
- comchoicecu.org/plan/certificates · captured Oct 5, 2026
Who can join Community Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.