Credit union · NCUA insured
ENERGY PLUS CD Rates
ENERGY PLUS’s best CD rate is 4.00% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How ENERGY PLUS’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where ENERGY PLUS has the most branches. $10,000, best rate first.
This credit union’s best
ENERGY PLUS
4.00%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $502
Certificates
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
ENERGY PLUS CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.45%
- 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 ENERGY PLUS 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 · 12 terms
Rates effective as of October 1, 2026. Penalty may be imposed for early withdrawal. Rates will normally change every Wednesday, but are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty may be imposed for early withdrawal | 2.75% | $68 |
| 6 monthsPenalty may be imposed for early withdrawal | 3.25% | $161 |
| 9 monthsPenalty may be imposed for early withdrawal | 3.60% | $269 |
| 12 monthsPenalty may be imposed for early withdrawal | 3.50% | $350 |
| 15 monthsPenalty may be imposed for early withdrawal | 4.00% | $502 |
| 17 monthsPenalty may be imposed for early withdrawal | 4.00% | $571 |
| 18 monthsPenalty may be imposed for early withdrawal | 3.60% | $545 |
| 24 monthsPenalty may be imposed for early withdrawal | 3.55% | $723 |
| 30 monthsPenalty may be imposed for early withdrawal | 3.50% | $898 |
| 36 monthsPenalty may be imposed for early withdrawal | 3.45% | $1,071 |
| 48 monthsPenalty may be imposed for early withdrawal | 3.30% | $1,387 |
| 60 monthsPenalty may be imposed for early withdrawal | 3.20% | $1,706 |
Sources (1)
- originscu.org/savings-rates · captured Oct 5, 2026
Who can join ENERGY PLUS
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.