Desco Federal Credit Union CD Rates

How Desco Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Huntington, WV-KY-OH, where Desco Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Desco Federal Credit Union
4.08%APY
Term
24 months
Minimum
$500
Earns on $10,000
$833
Share Certificates
Top rate
UK Credit Union
5.00%APY
Term
9 months
Minimum
$1,000
Earns on $10,000
$373
UK Credit Union rates
2nd-highest rate
Woodforest National Bank
4.25%APY
Term
9 months
Minimum
$500
Earns on $10,000
$317
Woodforest National Bank rates

Compare CD rates near you →

CD score

Higher than 84% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.56%
9–15 months9–15 mo3.82%
16–30 months16–30 mo4.08%
31–60 months31–60 mo4.08%
QualifiedQualified4.08%

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.

How the score works →

Where Desco 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.

Share Certificates

Up to 4.08%APY · 8 termsFrom $500 to open

Add .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over. Certificates must be at least $2,500 to qualify for monthly dividend payments. Advantage Plus Checking PLUS Benefit: .25 added to Share Certificates of $25,000 or more.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	3.56%	$176
12 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	3.82%	$382
18 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	3.82%	$578
24 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	4.08%	$833
30 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	4.08%	$1,051
36 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	4.08%	$1,275
48 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	3.82%	$1,618
60 monthsCertificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over	3.82%	$2,062

Sources (2)

All captured Oct 16, 2026

Special-purpose accounts

IRA Share Certificates

Up to 4.08%APY · 8 termsIRAFrom $500 to open

Add .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	3.56%	$176
12 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	3.82%	$382
18 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	3.82%	$578
24 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	4.08%	$833
30 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	4.08%	$1,051
36 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	4.08%	$1,275
48 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	3.82%	$1,618
60 monthsAdd .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over	3.82%	$2,062

Sources (1)

descofcu.org/personal/current-rates · captured Oct 16, 2026

Who can join Desco 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

Persons who live, work (or regularly conduct business in), worship, or attend school in and businesses and other legal entities located in Adams, Gallia, Jackson, Lawrence, Pike, Ross and Scioto Counties, Ohio; Cabell, Mason, Putnam or Wayne Counties, West Virginia; Boyd, Carter, Greenup, Fleming, Lewis, Mason, and Rowan Counties, Kentucky are eligible for membership.

Employers and groups

Employees of this credit union are eligible for membership.

Family and household

Spouses of deceased members are eligible for membership.
Members of immediate family or household of eligible persons are eligible for membership.

Other ways

Organizations of eligible persons are eligible for membership.
Volunteers in the community are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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