Credit union · NCUA insured
Credit Union of America CD Rates
Top CarrotCredit Union of America’s best CD rate is 4.30% APY on a 25-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Credit Union of America’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Credit Union of America has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of America
4.30%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $917
25-Month Special Certificate
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
2nd-highest rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Credit Union of America CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo1.55%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.30%
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 of America 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.
25-Month Special Certificate
4.30%APY · 1 term
Limited-time offer. Renews to 24-month certificate at maturity. Minimum $500 to open. Deposits over $1,000,000 require approval. Funds in excess of $250,000 may be discounted and/or require special approval. Membership required. Early withdrawal penalties may apply. Dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 monthsRenews to 24-month certificate at maturity. Deposits over $1,000,000 require approval | 4.30% | $917 |
Sources (3)
- cuofamerica.com
- cuofamerica.com/Rates/Certificates
- cuofamerica.com/Save/Share-Cer…tes/Special-Certificates
All captured Oct 5, 2026
15-Month Special Certificate
4.05%APY · 1 term
Limited-time offer. Renews to 12-month certificate at maturity. Minimum $500 to open. Deposits over $1,000,000 require approval. Funds in excess of $250,000 may be discounted and/or require special approval. Membership required. Early withdrawal penalties may apply. Dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsRenews to 12-month certificate at maturity. Deposits over $1,000,000 require approval | 4.05% | $509 |
Sources (3)
- cuofamerica.com
- cuofamerica.com/Rates/Certificates
- cuofamerica.com/Save/Share-Cer…tes/Special-Certificates
All captured Sep 18, 2026
Share Certificates
Up to 3.50%APY · 8 terms
Membership required. Minimum $500 to open. Dividends paid monthly. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.40% | $35 |
| 6 months | 1.55% | $77 |
| 12 months | 3.25% | $325 |
| 18 months | 2.75% | $415 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
1-Year Add-on Certificate
3.25%APY · 1 term
Minimum of $100 to open. Add-ons allowed anytime with deposits of $10 or more. Dividends paid monthly. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum amount to add on $10 | 3.25% | $325 |
Sources (2)
All captured Oct 5, 2026
Save to Win Add-on Certificate
3.25%APY · 1 term
Limit one Save to Win® certificate per primary member SSN. $25 penalty for first early withdrawal during certificate term; after second withdrawal certificate will be closed and member must wait six months to reopen. Minimum amount to add on $10. Dividends paid monthly. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEach $25 balance increase earns an entry into prize drawings up to $5,000 (up to 100 entries/month and 300 entries/quarter). Minimum add-on $10 | 3.25% | $325 |
Sources (2)
All captured Oct 5, 2026
30-Month Bump Certificate
2.75%APY · 1 term
Eligible for one rate bump to the 24-month rate during the term. Minimum $2,500 to open. Dividends paid monthly. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsEligible for one rate bump to the 24-month certificate rate during the term | 2.75% | $702 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
15-Month Special IRA Certificate
4.05%APY · 1 term
Limited-time offer. IRA products can only be opened in branch. Minimum $500 to open. Deposits over $1,000,000 require approval. Renews to 12-month certificate at maturity. Membership required. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsIRA certificates renew to 12-month certificates at maturity. Deposits over $1,000,000 require approval | 4.05% | $509 |
Sources (2)
All captured Sep 18, 2026
IRA Certificates
Up to 3.50%APY · 5 terms
IRA products can only be opened in branch. Minimum $500 to open. Membership required. Dividends paid monthly. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval. Deposits over $1,000,000 require approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly | 3.25% | $325 |
| 24 monthsDividends paid monthly | 3.50% | $712 |
| 36 monthsDividends paid monthly | 3.50% | $1,087 |
| 48 monthsDividends paid monthly | 3.25% | $1,365 |
| 60 monthsDividends paid monthly | 3.50% | $1,877 |
Sources (3)
- cuofamerica.com/Save/IRAs-CESA
- cuofamerica.com/Rates/IRA-CESA
- cuofamerica.com/Save/IRAs-CESA/IRA-Certificates
All captured Oct 5, 2026
1 Year Add-on IRA Certificate
3.25%APY · 1 term
IRA products can only be opened in branch. Minimum $100 to open. $10 minimum to add-on. Dividends paid monthly. Membership required. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly. $10 minimum to add-on | 3.25% | $325 |
Sources (2)
All captured Oct 5, 2026
30-Month Bump IRA Certificate
2.75%APY · 1 term
IRA products can only be opened in branch. Minimum $2,500 to open. Eligible for one rate bump to the 24-month rate during the term. Membership required. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsEligible for one rate bump to the 24-month rate during the term | 2.75% | $702 |
Sources (2)
All captured Oct 5, 2026
Who can join Credit Union of America
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.