Credit union · NCUA insured
CPM Federal Credit Union CD Rates
Top CarrotCPM Federal Credit Union’s best CD rate is 3.70% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How CPM Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Greenville, SC, where CPM Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CPM Federal Credit Union
3.70%APY
- Term
- 12 months
- Minimum
- $250
- Earns on $10,000
- $370
Share Certificates
Top rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
2nd-highest rate
Southern Bank
5.00%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $1,070
CPM Federal Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.39%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.39%
- QualifiedQualified3.70%
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 CPM 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.
Share Certificates
Up to 3.70%APY · 7 terms
Requires Main Savings Account with $250 minimum deposit. No annual fees, no monthly service charge. Dividends compounded/paid quarterly. 10-day grace period at maturity. Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend rate is 1.00%. Dividends compounded quarterly | 1.00% | $25 |
| 6 monthsDividend rate is 3.35%. Dividends compounded quarterly | 3.39% | $168 |
| 12 monthsDividend rate is 3.65%. Dividends compounded quarterly | 3.70% | $370 |
| 24 monthsDividend rate is 3.55%. Dividends compounded quarterly | 3.60% | $733 |
| 36 monthsDividend rate is 3.35%. Dividends compounded quarterly | 3.39% | $1,052 |
| 48 monthsDividend rate is 3.10%. Dividends compounded quarterly | 3.14% | $1,316 |
| 60 monthsDividend rate is 3.10%. Dividends compounded quarterly | 3.14% | $1,672 |
Sources (1)
- cpmfed.com/certificates · captured Sep 19, 2026
Special-purpose accounts
Certificate Specials
Up to 4.50%APY · 2 terms
Available as regular certificate and IRA certificate options. Maximum deposit of $250,000.00 applies. For existing CPM share certificate holders, a minimum of $2,000.00 for 9-month / $3,000 for 16-month in new money is required to open. Dividends credited quarterly. Early withdrawal penalties may apply. Automatically renews at maturity. 10-calendar-day grace period. Certificates opened through online application may not be used as collateral and cannot be closed/withdrawn within first 90 days.
| Term | APY · $2,000 – $250,000 | APY · $3,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 monthsDividend rate is 4.43%. Minimum deposit $2,000; for existing certificate holders, $2,000 in new money is required | 4.50% | — | 4.50% | $336 |
| 16 monthsDividend rate is 4.30%. Minimum deposit $3,000; for existing certificate holders, $3,000 in new money is required | — | 4.37% | 4.37% | $587 |
Sources (1)
- cpmfed.com/certificate_special · captured Sep 19, 2026
Kickstart IRA
3.80%APY · 1 term
Needs minimum $100.00 to open with a maximum of $250,000.00. Subsequent deposits allowed. Dividends compounded quarterly. Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividend rate is 3.75%. Subsequent deposits allowed. Minimum $100.00 to open with a maximum of $250,000.00 | 3.80% | $380 |
Sources (1)
- cpmfed.com/certificates · captured Sep 19, 2026
Share Certificates (IRA)
Up to 3.70%APY · 7 terms
Individual Retirement Account (IRA) certificate. Dividends compounded quarterly. Certificate minimum balance $250.00, minimum deposit to open $250.00, maximum deposit $250,000.00. Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend rate is 1.00%. Dividends compounded quarterly. Minimum balance to earn dividends is $250.00 | 1.00% | $25 |
| 6 monthsDividend rate is 3.35%. Dividends compounded quarterly. Minimum balance to earn dividends is $250.00 | 3.39% | $168 |
| 12 monthsDividend rate is 3.65%. Dividends compounded quarterly. Minimum balance to earn dividends is $250.00 | 3.70% | $370 |
| 24 monthsDividend rate is 3.55%. Dividends compounded quarterly. Minimum balance to earn dividends is $250.00 | 3.60% | $733 |
| 36 monthsDividend rate is 3.35%. Dividends compounded quarterly. Minimum balance to earn dividends is $250.00 | 3.39% | $1,052 |
| 48 monthsDividend rate is 3.10%. Dividends compounded quarterly. Minimum balance to earn dividends is $250.00 | 3.14% | $1,316 |
| 60 monthsDividend rate is 3.10%. Dividends compounded quarterly. Minimum balance to earn dividends is $250.00 | 3.14% | $1,672 |
Youth and Young Adult Savings Certificates
Up to 3.70%APY · 4 terms
For members ages Newborn - 18 years old. Requires credit union membership, Main Savings Account with $5 minimum balance, and $100 minimum deposit. Maximum deposit of $3,000.00. Member can make deposits at anytime up to maximum of $3,000. No annual fees, no monthly service charge. Dividends paid quarterly. Ten-day grace period at maturity. No withdrawals except at maturity and during grace period; penalty for early principal withdrawals. Certificates do not automatically renew since the certificate is contingent upon age of member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend rate is 1.00%. Dividends compounded quarterly. Maximum amount $3,000.00 | 1.00% | — |
| 6 monthsDividend rate is 3.35%. Dividends compounded quarterly. Maximum amount $3,000.00 | 3.39% | — |
| 12 monthsDividend rate is 3.65%. Dividends compounded quarterly. Maximum amount $3,000.00 | 3.70% | — |
| 24 monthsDividend rate is 3.55%. Dividends compounded quarterly. Maximum amount $3,000.00 | 3.60% | — |
Sources (1)
- cpmfed.com/certificates · captured Sep 19, 2026
Who can join CPM Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.