Credit union · NCUA insured
Consumers Credit Union CD Rates
Top CarrotConsumers Credit Union’s best CD rate is 4.45% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Consumers Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Consumers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Consumers Credit Union
4.35%APY
- Term
- 7 months
- Minimum
- $250
- Earns on $10,000
- $251
Certificate
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Consumers Credit Union CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.35%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo1.50%
- QualifiedQualified4.35%
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 Consumers 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.
Super Jumbo Certificate
Up to 4.45%APY · 13 terms
Requires minimum deposit of $250,000. Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.45% | — |
| 8 monthsRenews into 1-year standard term at maturity | 0.10% | — |
| 12 months | 1.10% | — |
| 13 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.45% | — |
| 18 months | 1.19% | — |
| 20 monthsPromotional term certificate. Automatically rolls over into a 2-year standard certificate at maturity unless changed within a 10-day grace period | 3.60% | — |
| 24 months | 1.20% | — |
| 30 months | 1.39% | — |
| 36 months | 1.50% | — |
| 45 monthsRenews into 4-year standard term at maturity | 0.10% | — |
| 48 months | 1.55% | — |
| 59 monthsRenews into 5-year standard term at maturity | 0.10% | — |
| 60 months | 1.70% | — |
Sources (2)
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/checking-and-s…gs-accounts/certificates
All captured Oct 7, 2026
Jumbo Certificate
Up to 4.40%APY · 14 terms
Requires minimum deposit of $100,000. Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.40% | — |
| 8 monthsRenews into 1-year standard term at maturity | 0.10% | — |
| 12 months | 1.00% | — |
| 13 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.40% | — |
| 15 monthsRenews into 18-month standard term at maturity | 0.10% | — |
| 18 months | 1.09% | — |
| 20 monthsPromotional term certificate. Automatically rolls over into a 2-year standard certificate at maturity unless changed within a 10-day grace period | 3.55% | — |
| 24 months | 1.10% | — |
| 30 months | 1.29% | — |
| 36 months | 1.40% | — |
| 45 monthsRenews into 4-year standard term at maturity | 0.10% | — |
| 48 months | 1.45% | — |
| 59 monthsRenews into 5-year standard term at maturity | 0.10% | — |
| 60 months | 1.60% | — |
Sources (2)
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/checking-and-s…gs-accounts/certificates
All captured Oct 7, 2026
Certificate
Up to 4.35%APY · 16 terms
Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91-day term | 0.50% | $12 |
| 6 months | 0.65% | $32 |
| 7 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.35% | $251 |
| 8 monthsRenews into 1-year standard term at maturity | 0.10% | $7 |
| 12 months | 0.90% | $90 |
| 13 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.35% | $472 |
| 15 monthsRenews into 18-month standard term at maturity | 0.10% | $13 |
| 18 months | 0.99% | $149 |
| 20 monthsPromotional term certificate. Automatically rolls over into a 2-year standard certificate at maturity unless changed within a 10-day grace period | 3.50% | $590 |
| 24 months | 1.00% | $201 |
| 30 months | 1.19% | $300 |
| 36 months | 1.30% | $395 |
| 45 monthsRenews into 4-year standard term at maturity | 0.10% | $38 |
| 48 months | 1.35% | $551 |
| 59 monthsRenews into 5-year standard term at maturity | 0.10% | $49 |
| 60 months | 1.50% | $773 |
Sources (2)
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/checking-and-s…gs-accounts/certificates
All captured Oct 7, 2026
Special-purpose accounts
Super Jumbo IRA Certificate
0.10%APY · 12 terms
Offers Traditional, Roth, SEP, and Education IRAs with minimum deposit of $250,000. May be opened in person at a branch or by phone. Dividends compound daily and credit monthly. Early withdrawal penalties apply.
| Term | APY · Any balance | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | — | 4.45% | —4.45% from $250k | — |
| 8 monthsRenews into 1-year standard term at maturity | 0.10% | — | 0.10% | $7 |
| 12 months | — | 1.10% | —1.10% from $250k | — |
| 13 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | — | 4.45% | —4.45% from $250k | — |
| 18 months | — | 1.19% | —1.19% from $250k | — |
| 20 monthsPromotional term certificate. Automatically rolls over into a 2-year standard certificate at maturity unless changed within a 10-day grace period | — | 3.60% | —3.60% from $250k | — |
| 24 months | — | 1.20% | —1.20% from $250k | — |
| 30 months | — | 1.39% | —1.39% from $250k | — |
| 36 months | — | 1.50% | —1.50% from $250k | — |
| 45 monthsRenews into 4-year standard term at maturity | — | 0.10% | —0.10% from $250k | — |
| 48 months | — | 1.55% | —1.55% from $250k | — |
| 60 months | — | 1.70% | —1.70% from $250k | — |
Sources (2)
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/checking-and-s…gs-accounts/certificates
All captured Oct 7, 2026
Jumbo IRA Certificate
Up to 4.40%APY · 14 terms
Offers Traditional, Roth, SEP, and Education IRAs with minimum deposit of $100,000. May be opened in person at a branch or by phone. Dividends compound daily and credit monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.40% | — |
| 8 monthsRenews into 1-year standard term at maturity | 0.10% | — |
| 12 months | 1.00% | — |
| 13 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.40% | — |
| 15 monthsRenews into 18-month standard term at maturity | 0.10% | — |
| 18 months | 1.09% | — |
| 20 monthsPromotional term certificate. Automatically rolls over into a 2-year standard certificate at maturity unless changed within a 10-day grace period | 3.55% | — |
| 24 months | 1.10% | — |
| 30 months | 1.29% | — |
| 36 months | 1.40% | — |
| 45 monthsRenews into 4-year standard term at maturity | 0.10% | — |
| 48 months | 1.45% | — |
| 59 monthsRenews into 5-year standard term at maturity | 0.10% | — |
| 60 months | 1.60% | — |
Sources (2)
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/checking-and-s…gs-accounts/certificates
All captured Oct 7, 2026
IRA Certificate
Up to 4.35%APY · 15 terms
Offers Traditional, Roth, SEP, and Education IRAs. May be opened in person at a branch or by phone. Dividends compound daily and credit monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.65% | $32 |
| 7 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.35% | $251 |
| 8 monthsRenews into 1-year standard term at maturity | 0.10% | $7 |
| 12 months | 0.90% | $90 |
| 13 monthsPromotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period | 4.35% | $472 |
| 15 monthsRenews into 18-month standard term at maturity | 0.10% | $13 |
| 18 months | 0.99% | $149 |
| 20 monthsPromotional term certificate. Automatically rolls over into a 2-year standard certificate at maturity unless changed within a 10-day grace period | 3.50% | $590 |
| 24 months | 1.00% | $201 |
| 30 months | 1.19% | $300 |
| 36 months | 1.30% | $395 |
| 45 monthsRenews into 4-year standard term at maturity | 0.10% | $38 |
| 48 months | 1.35% | $551 |
| 59 monthsRenews into 5-year standard term at maturity | 0.10% | $49 |
| 60 months | 1.50% | $773 |
Sources (2)
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/checking-and-s…gs-accounts/certificates
All captured Oct 7, 2026
Who can join Consumers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join Consumers Credit Union by joining the Consumers Cooperative Association.
Cost to join
- Joining the Consumers Cooperative Association requires a one-time $5.00 membership fee, which CCU reimburses (reimbursement does not apply to indirect members and those who join to refinance a loan).
Membership information collected October 5, 2026.