Credit union · NCUA insured
Directions Credit Union CD Rates
Top CarrotDirections Credit Union’s best CD rate is 4.18% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Directions Credit Union’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where Directions Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Directions Credit Union
4.18%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,307
Certificates
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
Directions Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo4.18%
- QualifiedQualified4.18%
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 Directions 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.
Certificates
Up to 4.18%APY · 9 terms
Automatic renewal at maturity. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 3.25% | $80 |
| 6 monthsPenalty for early withdrawal | 3.82% | $189 |
| 12 monthsPenalty for early withdrawal | 4.07% | $407 |
| 18 monthsPenalty for early withdrawal | 4.07% | $617 |
| 24 monthsPenalty for early withdrawal | 4.13% | $843 |
| 30 monthsPenalty for early withdrawal | 4.13% | $1,065 |
| 36 monthsPenalty for early withdrawal | 4.18% | $1,307 |
| 48 monthsPenalty for early withdrawal | 3.92% | $1,663 |
| 60 monthsPenalty for early withdrawal | 3.97% | $2,149 |
Sources (2)
- directionscu.org/personal/save/savings-certificates
- directionscu.org/personal/save…s/checking-savings-rates
All captured Oct 6, 2026
Special-purpose accounts
Youth Certificates
Up to 4.13%APY · 2 terms
Must be under 18 years of age. Add funds throughout the life of the Youth Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be under 18 years of age. Add funds throughout the life of the Youth Certificate | 4.07% | $407 |
| 24 monthsMust be under 18 years of age. Add funds throughout the life of the Youth Certificate | 4.13% | $843 |
Sources (2)
- directionscu.org/personal/save/savings-certificates
- directionscu.org/personal/save…s/checking-savings-rates
All captured Oct 6, 2026
Who can join Directions Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in specified counties in Ohio (Ashland, Crawford, Erie, Fulton, Huron, Knox, Lorain, Lucas, Medina, Morrow, Ottawa, Richland, Sandusky, Seneca, Tuscarawas, Wayne, Wood) or lower Michigan (Monroe, Lenawee) are eligible for membership.
Family and household
- Family members (grandparents, parents, spouse, siblings, children, grandchildren) and household members of eligible members are eligible to join.
Membership information collected October 5, 2026.