Credit union · Privately insured
Create Credit Union CD Rates
Top CarrotCreate Credit Union’s best CD rate is 4.28% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Create Credit Union’s CD rates compare
Compared with banks and credit unions near Las Vegas, NV, where Create Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Create Credit Union
4.28%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,331
Level Up Certificate of Deposit
Top rate
Toyota Financial Savings Bank
5.25%APY
- Term
- 60 months
- Minimum
- $1
- Earns on $10,000
- $2,915
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
Create Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.87%
- 9–15 months9–15 mo4.02%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo4.28%
- QualifiedQualified4.28%
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 Create 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.
Level Up Certificate of Deposit
Up to 4.28%APY · 8 terms
Variable rate with one-time rate increase option during term to currently effective rate. Early withdrawal penalty of 90 days interest for 3, 6, and 12-month terms, and 180 days interest for 18, 24, 36, 48, and 60-month terms. Subsequent deposits allowed only within first 7 days of account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 3.82% | $94 |
| 6 months90-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 3.87% | $192 |
| 12 months90-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.02% | $402 |
| 18 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.07% | $617 |
| 24 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.13% | $843 |
| 36 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.18% | $1,307 |
| 48 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.23% | $1,802 |
| 60 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.28% | $2,331 |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
Level Up IRA Certificate of Deposit
Up to 4.28%APY · 8 terms
Variable rate IRA certificate with one-time rate increase option during term to currently effective rate. Early withdrawal penalty of 90 days interest for 3, 6, and 12-month terms, and 180 days interest for 18, 24, 36, 48, and 60-month terms. Subsequent deposits allowed only within first 7 days of account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 3.82% | $94 |
| 6 months90-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 3.87% | $192 |
| 12 months90-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.02% | $402 |
| 18 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.07% | $617 |
| 24 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.13% | $843 |
| 36 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.18% | $1,307 |
| 48 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.23% | $1,802 |
| 60 months180-day interest penalty for early withdrawal. One-time bump up rate allowed during term | 4.28% | $2,331 |
Sources (2)
All captured Sep 16, 2026
Who can join Create Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Nevada residents can join by becoming a member of the Community Impact Fund (CIF), with free sign-up provided by the credit union.
Employers and groups
- Business owners or employees of a member business of the Henderson, NV Chamber of Commerce are eligible for membership.
- Full- or part-time employees and volunteers of any medical profession-related office or group in any county in Nevada are eligible for membership.
Military, government and schools
- Employees of any county or city in Nevada, as well as State of Nevada employees, are eligible for membership.
Family and household
- Anyone related to a current Create Credit Union member by blood, marriage, or adoption is eligible for membership.
Membership information collected October 4, 2026.