Credit union · NCUA insured
Connects FCU CD Rates
Connects FCU’s best CD rate is 2.62% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Connects FCU’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Connects FCU has the most branches. $10,000, best rate first.
This credit union’s best
Connects FCU
2.62%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $807
Share Certificate
Top rate
The United Methodist Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $331
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Connects FCU CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo1.96%
- 16–30 months16–30 mo2.12%
- 31–60 months31–60 mo2.62%
- QualifiedQualified2.62%
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 Connects FCU 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 2.62%APY · 4 terms
Dividends compounded and credited quarterly. Additional deposits not allowed. Withdrawals of dividends only. A penalty may apply for early withdrawal (up to 180 days of interest).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Penalty may apply for early withdrawal | 1.00% | $50 |
| 12 monthsFixed rate. Penalty may apply for early withdrawal | 1.96% | $196 |
| 24 monthsFixed rate. Penalty may apply for early withdrawal | 2.12% | $428 |
| 36 monthsFixed rate. Penalty may apply for early withdrawal | 2.62% | $807 |
Sources (3)
All captured Oct 4, 2026
Special-purpose accounts
IRA Share Certificate
Up to 2.62%APY · 3 terms
Dividends compounded and credited quarterly. Additional deposits not allowed. Withdrawals of dividends only. Early withdrawal penalties and IRS restrictions may apply. Roth and Educational IRA Share Certificate Accounts are also available. Rate is fixed for the term. Dividends forfeited if account closed before dividends are posted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate. Early withdrawal penalties and IRS restrictions may apply | 1.97% | $197 |
| 24 monthsFixed rate. Early withdrawal penalties and IRS restrictions may apply | 2.12% | $428 |
| 36 monthsFixed rate. Early withdrawal penalties and IRS restrictions may apply | 2.62% | $807 |
Sources (1)
- connectsfcu.org/iras · captured Oct 4, 2026
Who can join Connects FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, attends school, volunteers, or regularly conducts business in the Greater Richmond Community (City of Richmond, Chesterfield County, Hanover County, or Henrico County) is eligible to join.
Employers and groups
- Employees of companies in the Greater Richmond area that offer Connects FCU as a company benefit are eligible for membership privileges.
Family and household
- Immediate family members of current members are eligible to join.
Cost to join
- Opening a share account requires a minimum initial deposit of $5.00.
Membership information collected October 4, 2026.