Credit union · NCUA insured
Expedition Credit Union CD Rates
Expedition Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Expedition Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Expedition Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Expedition Credit Union
4.06%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $406
Certificates
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Expedition Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.06%
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 Expedition 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 4.06%APY · 5 terms
Must be a member; purchase and maintain minimum required share ($5.00) in savings/trust savings. Early withdrawal penalty applies based on term. 7-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFlex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 4.06% | $406 |
| 24 monthsFlex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.25% | $661 |
| 36 monthsFlex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.00% | $927 |
| 48 monthsFlex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.00% | $1,255 |
| 60 monthsFlex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.00% | $1,593 |
Sources (3)
- expeditioncu.com/documents/cer…ate_truth-in-savings.pdf
- expeditioncu.com/rates
- expeditioncu.com/accounts/savings.html
All captured Oct 5, 2026
Closed to new customers
IRA Certificates
Up to 4.06%APY · 5 terms
IRA Certificates are no longer offered for new accounts; only existing IRA plans qualify for displayed rates. Includes Traditional and Roth IRA certificate accounts. Must maintain membership share ($5.00). Early withdrawal penalty applies (exceptions include when IRA portion is paid within 7 days after establishment, or owner reaches age 59½ or becomes disabled).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFlex Rate IRA Certificate Account (Traditional and Roth). May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 4.06% | $406 |
| 24 monthsFlex Rate IRA Certificate Account (Traditional and Roth). May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.25% | $661 |
| 36 monthsFlex Rate IRA Certificate Account (Traditional and Roth). May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.00% | $927 |
| 48 monthsFlex Rate IRA Certificate Account (Traditional and Roth). May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.00% | $1,255 |
| 60 monthsFlex Rate IRA Certificate Account (Traditional and Roth). May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly | 3.00% | $1,593 |
Sources (2)
All captured Oct 5, 2026
Who can join Expedition Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Those who do not qualify through other categories can join by making a one-time $5 tax-deductible donation to the Expedition Foundation.
Where you live or work
- Persons who live, work, worship, go to school, or do business in Anoka, Dakota, Hennepin, Ramsey, or Washington County, Minnesota are eligible for membership.
Employers and groups
- Employees of Educators Financial Services, Inc. are eligible for membership.
Military, government and schools
- Education Minnesota members and employees are eligible for membership.
- National Education Association Minnesota field service employees in the state of Minnesota are eligible for membership.
- Minnesota school staff and administrators belonging to their state or national organization are eligible for membership.
4 more ways to join
Military, government and schools
- Individuals affiliated with School District 283 of St. Louis Park are eligible for membership.
- St. Louis Park City Employees are eligible for membership.
Family and household
- Anyone related to a current member by blood, adoption, or marriage is eligible regardless of where they live.
- People living in the same household with existing Expedition Credit Union members are eligible for membership.
Cost to join
- A one-time, tax-deductible donation of $5 to the Expedition Foundation.
- A membership share deposit of at least $5 payable to Expedition Credit Union.
Membership information collected October 4, 2026.