Credit union · NCUA insured
CommunityAmerica Credit Union CD Rates
Top CarrotCommunityAmerica Credit Union’s best CD rate is 4.10% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How CommunityAmerica Credit Union’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where CommunityAmerica Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CommunityAmerica Credit Union
4.10%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $837
Share Certificate
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
CommunityAmerica Credit Union CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.95%
- QualifiedQualified4.10%
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 CommunityAmerica 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 4.10%APY · 13 terms
Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.60% | $89 |
| 6 months | 3.60% | $178 |
| 7 months | 3.85% | $223 |
| 9 months | 3.45% | $258 |
| 11 months | 4.00% | $366 |
| 12 months | 3.75% | $375 |
| 15 months | 3.40% | $427 |
| 18 months | 3.50% | $530 |
| 24 months | 4.10% | $837 |
| 30 months | 3.05% | $780 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.95% | $1,676 |
| 60 months | 3.95% | $2,137 |
Sources (1)
- communityamerica.com/personal/…ools-and-resources/rates · captured Oct 16, 2026
Saver Certificate
2.75%APY · 1 term
Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer | 2.75% | $275 |
Sources (2)
- communityamerica.com/personal/…ools-and-resources/rates
- communityamerica.com/personal/…ounts/share-certificates
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.10%APY · 12 terms
Minimum deposit for Share Certificates is $500. Where applicable, Certificate account interest is calculated using the daily balance method and is compounded and credited monthly, unless otherwise stated. Automatic renewal at maturity unless redeemed within 15 days following maturity. Certificate accounts are subject to substantial penalty for early withdrawal, with potential exceptions at credit union option upon death, legal incompetence, or IRA owner reaching age 59½ or disability for normal distribution.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.60% | $89 |
| 6 months | 3.60% | $178 |
| 7 months | 3.85% | $223 |
| 9 months | 3.45% | $258 |
| 12 months | 3.75% | $375 |
| 15 months | 3.40% | $427 |
| 18 months | 3.50% | $530 |
| 24 months | 4.10% | $837 |
| 30 months | 3.05% | $780 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.95% | $1,676 |
| 60 months | 3.95% | $2,137 |
Sources (1)
- communityamerica.com/personal/…ools-and-resources/rates · captured Oct 16, 2026
Who can join CommunityAmerica Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in select zip codes qualify for membership.
Employers and groups
- Employees of over 1,100 partner companies and their immediate family qualify for membership.
Family and household
- Family members of an existing CommunityAmerica member qualify for membership.
Other ways
- Members of Friends of Hobbs (supporting Hobbs State Park in Rogers, Arkansas) qualify for membership with registration available during application at no cost.
Membership information collected October 4, 2026.