Credit union · NCUA insured
Destinations Credit Union CD Rates
Destinations Credit Union’s best CD rate is 3.30% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Destinations Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Destinations Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Destinations Credit Union
3.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $330
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
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Destinations Credit Union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.15%
- QualifiedQualified3.30%
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 Destinations 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 3.30%APY · 5 terms
$500 minimum deposit to open. No setup or monthly maintenance fees. Penalty for early withdrawal applies (equal to 90 days interest on withdrawn amount). Members have the opportunity to Step Up to a higher rate one time during the certificate term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.15% | $156 |
| 12 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.30% | $330 |
| 24 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.10% | $630 |
| 36 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.15% | $975 |
| 60 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 2.85% | $1,509 |
Special-purpose accounts
IRA Certificates
Up to 3.30%APY · 5 terms
$500 minimum to open. There is a substantial penalty for early withdrawal (90 days interest on withdrawn amount). Members have the opportunity to Step Up to a higher rate one time during the certificate term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.15% | $156 |
| 12 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.30% | $330 |
| 24 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.10% | $630 |
| 36 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 3.15% | $975 |
| 60 monthsPenalty for early withdrawal applies (90 days interest). One-time Step Up option during term | 2.85% | $1,509 |
Sources (1)
- destinationscu.org/rates-2 · captured Oct 22, 2026
Who can join Destinations Credit Union
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