Credit union · NCUA insured
COPFCU CD Rates
COPFCU’s best CD rate is 4.04% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How COPFCU’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where COPFCU has the most branches. $10,000, best rate first.
This credit union’s best
COPFCU
4.04%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $370
11-Month Certificate Special
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
COPFCU CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.04%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.04%
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 COPFCU 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.
11-Month Certificate Special
4.04%APY · 1 term
Open with $1,000 minimum using funds already on deposit with COPFCU or new funds. Available through October 31, 2026. Eligible Rewards Plus members can earn up to 0.25% additional deposit rate bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsLimited-time offer available through October 31, 2026. Eligible Rewards Plus members can earn up to 0.25% deposit rate bonus | 4.04% | $370 |
Sources (2)
All captured Sep 17, 2026
Savings Certificates
Up to 3.70%APY · 10 terms
$1,000 minimum to open. Terms range from 3 months to 5 years. Fixed rate guaranteed for the selected term. Penalties apply for early closure or withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.65% | $181 |
| 9 months | 3.65% | $273 |
| 12 months | 3.70% | $370 |
| 18 months | 3.65% | $552 |
| 24 months | 3.60% | $733 |
| 30 months | 3.60% | $924 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Special-purpose accounts
HSA Certificates
Up to 3.70%APY · 10 terms
$1,000 minimum to open. Fixed rate guaranteed for the selected term. Dividends paid monthly. Early withdrawal penalty is half the dividends that would have been earned during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.65% | $181 |
| 9 months | 3.65% | $273 |
| 12 months | 3.70% | $370 |
| 18 months | 3.65% | $552 |
| 24 months | 3.60% | $733 |
| 30 months | 3.60% | $924 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Sources (1)
- copfcu.com/accounts/savings/hsa-certificates · captured Sep 17, 2026
IRA Certificates
Up to 3.70%APY · 10 terms
Offered in Traditional and Roth IRAs. $1,000 minimum to open certificates. Terms from 3 months to 5 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.65% | $181 |
| 9 months | 3.65% | $273 |
| 12 months | 3.70% | $370 |
| 18 months | 3.65% | $552 |
| 24 months | 3.60% | $733 |
| 30 months | 3.60% | $924 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Sources (3)
- copfcu.com/accounts/savings/ira-savings-and-certificates
- copfcu.com/rates-2
- copfcu.com/accounts/savings/hsa-certificates
All captured Sep 17, 2026
Who can join COPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to police, firemen, public school employees, and federal, state, and local government employees.
Family and household
- Membership is open to family members of eligible public servants and government employees.
Membership information collected October 5, 2026.