Credit union · NCUA insured
Discovery Federal Credit Union CD Rates
Top CarrotDiscovery Federal Credit Union’s best CD rate is 4.00% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Discovery Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Reading, PA, where Discovery Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Discovery Federal Credit Union
4.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $299
Certificates
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
Discovery Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.00%
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 Discovery 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.
Certificates
Up to 4.00%APY · 8 terms
Fixed rate for the term of Certificate. Minimum balance requirement of $100. Assumes dividends remain on deposit and subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 9 months | 4.00% | $299 |
| 12 months | 3.90% | $390 |
| 18 months | 3.85% | $583 |
| 24 months | 3.90% | $795 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.90% | $2,108 |
Sources (1)
- discoveryfcu.org/rates · captured Oct 16, 2026
Who can join Discovery Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- People across the U.S. are eligible for membership through a complimentary membership to association partner Community Impact Fund (CIF).
Employers and groups
- Individuals who are members from Select Employer Groups are eligible for membership.
Family and household
- Individuals who have an immediate family or household member who is already a member are eligible to join.
Membership information collected October 5, 2026.