Credit union · NCUA insured
Diamond Credit Union CD Rates
Diamond Credit Union’s best CD rate is 4.06% APY on a 2-year share certificate (CD). Terms run from 2 months to 10 years. Rates checked October 16, 2026.
How Diamond Credit Union’s CD rates compare
Compared with banks and credit unions near Reading, PA, where Diamond Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Diamond Credit Union
4.01%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $818
Regular Share Certificate
Top rate
Sun Federal Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Diamond Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.26%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo4.01%
- 31–60 months31–60 mo3.76%
- QualifiedQualified4.01%
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 Diamond 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.
Jumbo Share Certificate
Up to 4.06%APY · 11 terms
Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 months | 2.06% | — |
| 3 months | 3.31% | — |
| 6 months | 3.31% | — |
| 12 months | 3.56% | — |
| 18 months | 3.56% | — |
| 24 months | 4.06% | — |
| 30 months | 4.06% | — |
| 36 months | 3.81% | — |
| 48 months | 3.81% | — |
| 60 months | 3.81% | — |
| 120 months | 3.81% | — |
Sources (3)
- diamondcu.org/personal/savings/share-certificates
- diamondcu.org/rates
- diamondcu.org/deposit-disclosure
All captured Oct 16, 2026
Regular Share Certificate
Up to 4.01%APY · 11 terms
Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 months | 2.01% | $25 |
| 3 months | 3.26% | $81 |
| 6 months | 3.26% | $162 |
| 12 months | 3.51% | $351 |
| 18 months | 3.51% | $531 |
| 24 months | 4.01% | $818 |
| 30 months | 4.01% | $1,033 |
| 36 months | 3.76% | $1,171 |
| 48 months | 3.76% | $1,591 |
| 60 months | 3.76% | $2,027 |
| 120 months | 3.76% | $4,464 |
Sources (3)
- diamondcu.org/personal/savings/share-certificates
- diamondcu.org/rates
- diamondcu.org/deposit-disclosure
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.01%APY · 11 terms
Available as Traditional or Roth IRA. Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
| Term | APY · $1,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 2 months | 2.01% | 2.06% | 2.01%2.06% from $75k | $25 |
| 3 months | 3.26% | 3.31% | 3.26%3.31% from $75k | $81 |
| 6 months | 3.26% | 3.31% | 3.26%3.31% from $75k | $162 |
| 12 months | 3.51% | 3.56% | 3.51%3.56% from $75k | $351 |
| 18 months | 3.51% | 3.56% | 3.51%3.56% from $75k | $531 |
| 24 months | 4.01% | 4.06% | 4.01%4.06% from $75k | $818 |
| 30 months | 4.01% | 4.06% | 4.01%4.06% from $75k | $1,033 |
| 36 months | 3.76% | 3.81% | 3.76%3.81% from $75k | $1,171 |
| 48 months | 3.76% | 3.81% | 3.76%3.81% from $75k | $1,591 |
| 60 months | 3.76% | 3.81% | 3.76%3.81% from $75k | $2,027 |
| 120 months | 3.76% | 3.81% | 3.76%3.81% from $75k | $4,464 |
Sources (4)
- diamondcu.org/personal/savings/ira
- diamondcu.org/personal/savings/share-certificates
- diamondcu.org/rates
- diamondcu.org/deposit-disclosure
All captured Oct 16, 2026
Health Savings Share Certificate
Up to 3.76%APY · 4 terms
Health Savings Share Certificates. Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.26% | $162 |
| 12 months | 3.51% | $351 |
| 36 months | 3.76% | $1,171 |
| 60 months | 3.76% | $2,027 |
Who can join Diamond Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, attends school, or regularly conducts business within one of the designated zip codes in the credit union's listing.
Employers and groups
- Open to employees and retirees of one of Diamond Credit Union's sponsor companies.
Family and household
- Open to immediate family members of existing Diamond Credit Union members, including spouses, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships.
- Open to individuals who share a household with a current Diamond Credit Union member.
Other ways
- Open to residents of Pennsylvania who join through the Pennsylvania American Consumer Council (PACC).
Membership information collected October 5, 2026.