Credit union · NCUA insured
Community Powered Federal Credit Union CD Rates
Community Powered Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Community Powered Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Community Powered Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Powered Federal Credit Union
3.55%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $176
Share Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Community Powered Federal Credit Union CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.29%
- 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 Community Powered Federal 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.
Jumbo Certificate Account
Up to 4.00%APY · 6 terms
Fixed dividend rate and APY for the term of the account. Dividends compounded and credited monthly; calculated using the Average Daily Balance method. No additional deposits permitted after opening. Automatically renewable with a 10-day grace period after maturity. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less, 180 days' dividends for terms of 12 to 36 months, and 365 days' dividends for terms greater than 36 months.
| Term | APY · Any balance | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 4.00% | 1.00% | 4.00%1.00% from $25k | $198 |
| 12 months | 4.00% | — | 4.00% | $400 |
| 24 months | 4.00% | — | 4.00% | $816 |
| 36 months | 3.75% | — | 3.75% | $1,168 |
| 48 months | 3.75% | — | 3.75% | $1,587 |
| 60 months | 3.75% | — | 3.75% | $2,021 |
Sources (2)
All captured Oct 15, 2026
Share Certificate
Up to 3.55%APY · 6 terms
Fixed dividend rate and APY for the term of the account. Dividends compounded and credited monthly; calculated using the Average Daily Balance method. No additional deposits permitted after opening. Automatically renewable with a 10-day grace period after maturity. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less, 180 days' dividends for terms of 12 to 36 months, and 365 days' dividends for terms greater than 36 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.55% | $355 |
| 24 months | 3.29% | $669 |
| 36 months | 3.29% | $1,020 |
| 48 months | 3.29% | $1,382 |
| 60 months | 3.29% | $1,757 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate Account
Up to 3.55%APY · 6 terms
Fixed dividend rate and APY for the term of the account. Dividends compounded and credited monthly; calculated using the Average Daily Balance method. Early withdrawal penalty exceptions apply where any portion is paid within 7 days after establishment or where the IRA owner attains age 59½ or becomes disabled and begins periodic withdrawals.
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 1.00% | 1.00% | $50 |
| 12 months | 3.55% | 1.25% | 1.25%3.55% any balance | $125 |
| 24 months | 3.29% | — | 3.29% | $669 |
| 36 months | 3.29% | — | 3.29% | $1,020 |
| 48 months | 3.29% | — | 3.29% | $1,382 |
| 60 months | 3.29% | — | 3.29% | $1,757 |
Sources (2)
All captured Oct 15, 2026
Who can join Community Powered Federal 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 persons who live, work, worship, attend school, participate in programs to alleviate poverty or distress, or participate in associations headquartered in Kent or New Castle Counties, DE, or Cecil County, MD, as well as businesses and organizations located or maintaining a facility there.
Family and household
- Family members of existing Community Powered members are eligible to join regardless of where they reside.
Other ways
- Membership is open to spouses of persons who died while within the field of membership, employees of this credit union, community volunteers, members of their immediate family or household, and organizations of such persons.
Cost to join
- A minimum share deposit of $5 into a Share Savings Account is required to establish and maintain membership.
Membership information collected October 4, 2026.