Credit union · NCUA insured
Daviess County Teachers Federal Credit Union CD Rates
Daviess County Teachers Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Daviess County Teachers Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Owensboro, KY, where Daviess County Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Daviess County Teachers Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
Regular Certificates
Top rate
Liberty FCU
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Daviess County Teachers Federal Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.20%
- 31–60 months31–60 mo0.30%
- 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 Daviess County Teachers 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.
Regular Certificates
Up to 4.00%APY · 7 terms
Early withdrawal penalty applies. $500 minimum deposit and balance required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 0.05% | $2 |
| 6 monthsSPECIAL CD RATES: existing members only | 4.00% | $198 |
| 12 months | 0.10% | $10 |
| 18 months | 0.20% | $30 |
| 24 months | 0.20% | $40 |
| 36 months | 0.30% | $90 |
| 48 months | 0.30% | $121 |
Special-purpose accounts
Roth & Traditional IRA Certificates
Up to 0.30%APY · 5 terms
No annual fee. Dividends paid quarterly on certificates. Early withdrawal penalty applies. $500 minimum deposit and balance required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.10% | $10 |
| 18 months | 0.20% | $30 |
| 24 months | 0.20% | $40 |
| 36 months | 0.30% | $90 |
| 48 months | 0.30% | $121 |
Sources (2)
All captured Sep 19, 2026
Who can join Daviess County Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All employees or volunteers of Mid-America Jet are eligible for membership.
- All employees or volunteers of Owensboro-Daviess County Retired Teachers Association are eligible for membership.
Military, government and schools
- All employees or volunteers of Daviess County Public Schools are eligible for membership.
- All employees or volunteers of Heritage Christian School are eligible for membership.
- All students, employees, or volunteers of Owensboro Community & Technical College (all campuses) are eligible for membership.
Family and household
- Family and household members of individuals meeting membership eligibility criteria are eligible to join.
3 more ways to join
Family and household
- All immediate family or household members of any existing DCTFCU member are eligible for membership.
Other ways
- Persons retired as pensioners or annuitants from the qualifying employers are eligible for membership.
- All spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Membership information collected October 4, 2026.