Credit union · NCUA insured
CrossRoads Financial Federal Credit Union CD Rates
CrossRoads Financial Federal Credit Union’s best CD rate is 4.07% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How CrossRoads Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Muncie, IN, where CrossRoads Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CrossRoads Financial Federal Credit Union
4.07%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $304
Certificates of Deposit
Top rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
CrossRoads Financial Federal Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo2.94%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.14%
- 31–60 months31–60 mo2.53%
- QualifiedQualified4.07%
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 CrossRoads Financial 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.
Certificates of Deposit
Up to 4.07%APY · 8 terms
LifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal. Rates effective as of 7/3/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 2.94% | $146 |
| 9 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 4.07% | $304 |
| 12 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 2.27% | $227 |
| 19 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 3.14% | $502 |
| 24 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 2.32% | $469 |
| 36 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 2.38% | $731 |
| 48 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 2.43% | $1,008 |
| 60 monthsLifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal | 2.53% | $1,331 |
Sources (1)
- crossroadsfcu.org/accounts/cds · captured Sep 18, 2026
PayDay Certificate
1.00%APY · 1 term
Must have payroll deduction or direct deposit. No early withdrawal. Maximum is $1,040. Rates effective as of 7/3/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–24 monthsMust have payroll deduction or direct deposit. No early withdrawal. Weekly or biweekly payroll deduction over 12 or 24 months | 1.00% | — |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 4.07%APY · 8 terms
A minimum of $1,000 is required to open IRA certificates. Substantial penalty for early withdrawal. Rates effective as of 7/3/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubstantial penalty for early withdrawal | 2.94% | $146 |
| 9 monthsSubstantial penalty for early withdrawal | 4.07% | $304 |
| 12 monthsSubstantial penalty for early withdrawal | 2.27% | $227 |
| 19 monthsSubstantial penalty for early withdrawal | 3.14% | $502 |
| 24 monthsSubstantial penalty for early withdrawal | 2.32% | $469 |
| 36 monthsSubstantial penalty for early withdrawal | 2.38% | $731 |
| 48 monthsSubstantial penalty for early withdrawal | 2.43% | $1,008 |
| 60 monthsSubstantial penalty for early withdrawal | 2.53% | $1,331 |
Who can join CrossRoads Financial 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
- Membership is open to anyone who lives, works, worships, attends school, or volunteers in Adams, Blackford, Delaware, Jay, Randolph, or Wells County in Indiana, or Darke, Mercer, or Van Wert County in Ohio.
Family and household
- Membership is open to individuals who have an immediate family member with an account at CrossRoads.
Cost to join
- A $5 deposit into a savings account is required to secure membership and establish ownership at CrossRoads.
Membership information collected October 5, 2026.