Credit union · NCUA insured
Cutting Edge FCU CD Rates
Cutting Edge FCU’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Cutting Edge FCU’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where Cutting Edge FCU has the most branches. $10,000, best rate first.
This credit union’s best
Cutting Edge FCU
3.50%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $173
Certificates
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
Cutting Edge FCU CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.50%
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 Cutting Edge FCU 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
Up to 3.50%APY · 4 terms
Dividends compounded and credited quarterly. Early withdrawal penalty may apply (lesser of 180 days' dividends or dividends earned since issuance). Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.50% | $350 |
| 24 months | 3.50% | $712 |
| 36 months | 2.75% | $848 |
Sources (3)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 4 terms
$20 annual fee for IRA aggregate balances less than $1000 posted on April 16th. Dividends compounded and credited quarterly. Early withdrawal penalty exceptions apply for IRA distributions within 7 days after establishment or upon reaching age 59 1/2 or disability.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAnnual fee of $20 applies if aggregate IRA balance is less than $1,000 | 3.50% | $173 |
| 12 monthsAnnual fee of $20 applies if aggregate IRA balance is less than $1,000 | 3.50% | $350 |
| 24 monthsAnnual fee of $20 applies if aggregate IRA balance is less than $1,000 | 3.50% | $712 |
| 36 monthsAnnual fee of $20 applies if aggregate IRA balance is less than $1,000 | 2.75% | $848 |
Youth Saver Certificate
2.02%APY · 1 term
Available for Adventure, Discovery, & Explorer accounts. Add-on option available. Maximum deposit amount is $2,500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for Adventure, Discovery, & Explorer accounts. Maximum deposit amount is $2,500 | 2.02% | — |
Who can join Cutting Edge FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility includes employees of CCI/Speer.
- Eligibility includes employees of participating Workplace Partners through the workplace partnership program.
Family and household
- Eligibility includes family members of employees of CCI/Speer.
Membership information collected October 4, 2026.