Credit union · NCUA insured
Credit Union 1 CD Rates
Top CarrotCredit Union 1’s best CD rate is 3.85% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Credit Union 1’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Credit Union 1 has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union 1
3.85%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $223
Share Certificate (CD)
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
Credit Union 1 CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.85%
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 Union 1 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 Certificate (CD)
Up to 3.85%APY · 8 terms
Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days' dividends | 2.00% | $100 |
| 7 monthsLimited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period | 3.85% | $223 |
| 12 monthsEarly withdrawal penalty is 90 days' dividends | 3.25% | $325 |
| 15 monthsLimited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 12 Month Share Certificate with a 10-day grace period | 3.70% | $465 |
| 24 monthsEarly withdrawal penalty is 180 days' dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty is 270 days' dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,453 |
Sources (1)
- creditunion1.org/bank/cds · captured Sep 17, 2026
Share Certificate Plus (CD)
Up to 3.25%APY · 6 terms
Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days' dividends | 2.00% | $100 |
| 12 monthsEarly withdrawal penalty is 90 days' dividends | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty is 180 days' dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty is 270 days' dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,453 |
Sources (1)
- creditunion1.org/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate (Traditional, Roth or Educational)
Up to 3.85%APY · 8 terms
Available as Traditional, Roth, or Educational IRA. Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days' dividends | 2.00% | $100 |
| 7 monthsLimited-time special. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period | 3.85% | $223 |
| 12 monthsEarly withdrawal penalty is 90 days' dividends | 3.25% | $325 |
| 15 monthsLimited-time special. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 12 Month Share Certificate with a 10-day grace period | 3.70% | $465 |
| 24 monthsEarly withdrawal penalty is 180 days' dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty is 270 days' dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,453 |
IRA Certificate Plus (Traditional, Roth or Educational)
Up to 3.25%APY · 6 terms
Available as Traditional, Roth, or Educational IRA. Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days' dividends | 2.00% | $100 |
| 12 monthsEarly withdrawal penalty is 90 days' dividends | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty is 180 days' dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty is 270 days' dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty is 270 days' dividends | 2.75% | $1,453 |
Sources (1)
- creditunion1.org/rates · captured Oct 16, 2026
Who can join Credit Union 1
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone not otherwise eligible can qualify for membership by making a $5 donation to the Credit Union 1 Educational Development Association (CU1EDA).
Cost to join
- An initial account deposit of $5 is required.
- A $5 donation to the Credit Union 1 Educational Development Association (CU1EDA) is required when joining via CU1EDA.
- A one-time $5 membership fee is required.
Membership information collected October 5, 2026.