Credit union · NCUA insured
CommunityWide Federal Credit Union CD Rates
Top CarrotCommunityWide Federal Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How CommunityWide Federal Credit Union’s CD rates compare
Compared with banks and credit unions near South Bend, IN-MI, where CommunityWide Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CommunityWide Federal Credit Union
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
CW Certificates
Top rate
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
2nd-highest rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
CommunityWide Federal Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
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 CommunityWide 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.
CW Certificates
Up to 4.25%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid at end of each month | 4.25% | $210 |
| 12 monthsDividends paid at end of each month | 4.25% | $425 |
| 18 monthsDividends paid at end of each month | 4.20% | $637 |
| 24 monthsDividends paid at end of each month | 4.15% | $847 |
| 36 monthsDividends paid at end of each month | 4.00% | $1,249 |
| 48 monthsDividends paid at end of each month | 3.85% | $1,631 |
| 60 monthsDividends paid at end of each month | 3.70% | $1,992 |
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 7 terms
Can be for either Roth or Traditional IRA account types. Rates match existing non-IRA certificate rates. Fee of $25.00/yr applies if IRA account balance is less than $2000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid at end of each month | 4.25% | $210 |
| 12 monthsDividends paid at end of each month | 4.25% | $425 |
| 18 monthsDividends paid at end of each month | 4.20% | $637 |
| 24 monthsDividends paid at end of each month | 4.15% | $847 |
| 36 monthsDividends paid at end of each month | 4.00% | $1,249 |
| 48 monthsDividends paid at end of each month | 3.85% | $1,631 |
| 60 monthsDividends paid at end of each month | 3.70% | $1,992 |
Sources (3)
- comwide.com/save-and-spend/cw-iras
- comwide.com/files/comwide24/1/…e%20of%20Fees%202306.pdf
- comwide.com/rates
All captured Oct 5, 2026
Who can join CommunityWide Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals can qualify for membership as a donor member of Michiana Goodwill Boosters, Marine Corps League of St. Joseph Valley, Habitat for Humanity Helpers, or Ronald McDonald House Charities of Michiana by including $5.00 association dues at account opening.
- Employees and retirees of designated participating employer and organization groups are eligible for membership.
Military, government and schools
- Employees or retirees of Acme Institute of Technology are eligible for membership.
- U. S. Govt. Civilian Employees (working in or supervised from South Bend except S.B. postal workers) and retirees are eligible for membership.
Family and household
- Immediate family members living in the same household of qualified CW members are eligible for membership.
- Spouses of persons who died while within the credit union's field of membership are eligible for membership.
Cost to join
- Association dues of $5.00 to the organization of your choice at the time of account opening.
Membership information collected October 5, 2026.