Credit union · NCUA insured
Credit Human Federal Credit Union CD Rates
Top CarrotCredit Human Federal Credit Union’s best CD rate is 4.05% APY on a 10-year share certificate (CD). Terms run from 3 months to 10 years. Rates checked October 16, 2026.
How Credit Human Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Credit Human Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Credit Human Federal Credit Union
4.05%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $4,874
Share Certificates
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Credit Human Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.96%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Credit Human 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 4.05%APY · 9 terms
Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 3.05% | $75 |
| 6–11 months | 3.80% | $188 |
| 12–17 months | 3.95% | $395 |
| 18–23 months | 3.95% | $598 |
| 24–35 months | 3.96% | $808 |
| 36–59 months | 3.98% | $1,242 |
| 60–83 months | 4.00% | $2,167 |
| 84–119 months | 4.02% | $3,177 |
| 120 months | 4.05% | $4,874 |
Sources (3)
All captured Oct 16, 2026
Sustainable Share Certificate
3.95%APY · 1 term
All the benefits of regular share certificate plus a positive environmental impact. Fixed 18-month term. Open with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. APY assumes dividends remain on deposit until maturity; withdrawal of dividends will reduce earnings. Published rates and APYs are subject to change daily. NCUA insured up to $250,000. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.95% | $598 |
Liquid Share Certificate
3.64%APY · 1 term
Fixed 1-year term with $5,000 minimum deposit. Unlimited deposits allowed during the term. Two no-penalty withdrawals allowed during the term as long as minimum balance of $5,000 is maintained. Beyond two allowed withdrawals, early withdrawal penalty applies. Dividends paid monthly and calculated using daily balance method. Automatic renewal at maturity. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsUnlimited deposits and 2 penalty-free withdrawals during the 1-year term provided balance stays at or above $5,000 | 3.64% | $364 |
Sources (3)
- credithuman.com/rates
- credithuman.com/personal/cds
- credithuman.com/personal/cds/liquid-share-certificate
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.05%APY · 8 terms
Includes Traditional, Roth, and Education IRAs. Minimum deposit $500. Early withdrawal penalties apply to tax-deferred instruments.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.80% | $188 |
| 12–17 months | 3.95% | $395 |
| 18–23 months | 3.95% | $598 |
| 24–35 months | 3.96% | $808 |
| 36–59 months | 3.98% | $1,242 |
| 60–83 months | 4.00% | $2,167 |
| 84–119 months | 4.02% | $3,177 |
| 120 months | 4.05% | $4,874 |
Sources (2)
All captured Oct 16, 2026
Who can join Credit Human Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Credit Human's New Orleans service area are eligible for membership.
- Individuals who live, work, worship, or attend school in Credit Human's San Antonio service area are eligible for membership.
Employers and groups
- Employees or members of partner employers/organizations, or students at partner trade schools, colleges, or universities are eligible for membership.
Military, government and schools
- Veterans, retirees, active duty members, and dependents of members of the U.S. Armed Forces or National Guard are eligible for membership.
Family and household
- Individuals who have a family member who is a Credit Human member or who cohabitate with a Credit Human member are eligible for membership.
Other ways
- Individuals may join by enrolling in the Louisiana Consumer Council (LACC) if living in Louisiana, or the American Consumer Council (ACC) if living elsewhere in the U.S., with Credit Human paying the joining fee.
1 more way to join
Other ways
- Individuals who have a loan with Credit Human (including those opened through a dealership) are already members.
Cost to join
- Membership requires opening a Share Savings account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.