Credit union · NCUA insured
Encompass Credit Union CD Rates
Encompass Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Encompass Credit Union’s CD rates compare
Compared with banks and credit unions near Frankfort, IN, where Encompass Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Encompass Credit Union
3.82%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $189
Certificates of Deposits
2nd-highest rate
Industrial Federal Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $380
3rd-highest rate
First Bank Richmond
3.25%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,007
Encompass Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.82%
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 Encompass 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 of Deposits
Up to 3.82%APY · 7 terms
A Regular Savings Account is required. There may be penalties for early withdrawal. Membership is open to individuals who live, work, worship, or attend school in Tipton, Clinton, or Howard County, Indiana, and their immediate family members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsThere may be penalties for early withdrawal. A Regular Savings Account is required | 3.82% | $189 |
| 12 monthsThere may be penalties for early withdrawal. A Regular Savings Account is required | 2.78% | $278 |
| 18 monthsThere may be penalties for early withdrawal. A Regular Savings Account is required | 2.78% | $420 |
| 24 monthsThere may be penalties for early withdrawal. A Regular Savings Account is required | 2.53% | $512 |
| 36 monthsThere may be penalties for early withdrawal. A Regular Savings Account is required | 2.02% | $618 |
| 48 monthsThere may be penalties for early withdrawal. A Regular Savings Account is required | 0.75% | $303 |
| 60 monthsThere may be penalties for early withdrawal. A Regular Savings Account is required | 0.75% | $381 |
Who can join Encompass Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, attends school, or worships in Tipton, Clinton, or Howard County, Indiana.
Employers and groups
- Any business or organization in Tipton, Clinton, or Howard County, Indiana is eligible for membership, and employees of eligible businesses are also eligible.
Family and household
- Spouses, children, and parents of eligible persons are eligible for membership.
Other ways
- Members retain eligibility and benefits even if they move away.
Cost to join
- To become a member, opening a savings account with a minimum deposit of $5 is required.
Membership information collected October 5, 2026.