Credit union · NCUA insured
DC Credit Union CD Rates
Top CarrotDC Credit Union’s best CD rate is 4.05% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How DC Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where DC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
DC Credit Union
4.05%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $405
Regular Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
DC Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.69%
- 31–60 months31–60 mo3.81%
- QualifiedQualified4.05%
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 DC 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 Share Certificates
Up to 4.05%APY · 7 terms
Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.95% | $196 |
| 8 months | 3.85% | $255 |
| 12 months | 4.00% | $400 |
| 24 months | 3.59% | $731 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.81% | $2,056 |
Special-purpose accounts
Traditional & Roth IRA Share Certificates
3.64%APY · 1 term
Available for terms of 24 months. Traditional and Roth IRA share certificates. Penalty may be imposed for early withdrawal. IRA early withdrawal fee (before age 59 1/2) is $10.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.64% | $741 |
Sources (3)
All captured Oct 22, 2026
Who can join DC Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.