Credit union · NCUA insured
Dynamic Federal Credit Union CD Rates
Top CarrotDynamic Federal Credit Union’s best CD rate is 4.32% APY on an 18-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Dynamic Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Celina, OH, where Dynamic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dynamic Federal Credit Union
4.32%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $655
Share Certificates
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
Superior Credit Union
4.20%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,284
Dynamic Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.01%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.32%
- QualifiedQualified4.32%
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 Dynamic 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 4.32%APY · 4 terms
All terms require a minimum deposit of $500. Early withdrawal penalty: If certificate is less than 12 months, a 90 day dividend penalty will be imposed; if the certificate is greater than 12 months, a 180 day dividend penalty will be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: If certificate is less than 12 months, a 90 day dividend penalty will be imposed | 4.01% | $199 |
| 12 months | 4.06% | $406 |
| 18 monthsEarly withdrawal penalty: If the certificate is greater than 12 months, a 180 day dividend penalty will be imposed | 4.32% | $655 |
| 24 monthsEarly withdrawal penalty: If the certificate is greater than 12 months, a 180 day dividend penalty will be imposed | 4.11% | $839 |
Who can join Dynamic 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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, work, or attend school in, and businesses and other legal entities located in Mercer County, Ohio.
Employers and groups
- Employees of this credit union.
Family and household
- Members of the immediate family or household.
- Spouses of persons who died while within the field of membership of this credit union.
Other ways
- Organizations of such persons.
- Members of record of this credit union as of March 24, 2003, the date of conversion to a community field of membership.
Cost to join
- A $5.00 minimum deposit into a Principal Share savings account is required to establish membership and ownership.
Membership information collected October 5, 2026.