Credit union · NCUA insured
Express Credit Union CD Rates
Express Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Express Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Express Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Express Credit Union
4.25%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $461
Certificate Special
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Express Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.85%
- QualifiedQualified4.25%
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 Express 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.
Certificate Special
4.25%APY · 1 term
Promotional rate available October 5-12, 2026. Membership required. Upon maturity CD will roll into a 12 month CD at the current rate at that time. Express CU account must be opened and funds deposited into the CD between Oct 5th-12th to qualify for the rate promo.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsPromotional rate available October 5-12, 2026. Membership required. Upon maturity CD will roll into a 12 month CD at the current rate at that time. Express CU account must be opened and funds deposited into the CD between Oct 5th-12th to qualify for the rate promo | 4.25% | $461 |
Single Deposit CD
Up to 3.50%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 12 months | 3.50% | $350 |
| 24 months | 2.50% | $506 |
| 36 months | 2.80% | $864 |
| 48 months | 2.85% | $1,190 |
| 60 months | 2.85% | $1,509 |
Social Impact CD
Up to 3.50%APY · 1 term
Tier selected determines community impact level (Social Impact Certificate 1: Maximum impact; Social Impact Certificate 2: High impact; Social Impact Certificate 3: Meaningful impact).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSocial Impact Certificate 1 (Maximum Impact) | 0.00% | $0 |
| 12 monthsSocial Impact Certificate 2 (High Impact) | 2.00% | $200 |
| 12 monthsSocial Impact Certificate 3 (Meaningful Impact) | 3.50% | $350 |
Sources (3)
All captured Sep 24, 2026
Save to Win CD
1.50%APY · 1 term
Limited to 1 qualifying certificate per participating member. Deposits of $25 or more earn entries into monthly, quarterly, and annual prize drawings (up to 100 entries per month).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires monthly deposits during 12-month term; minimum opening deposit $25 | 1.50% | $150 |
Who can join Express Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.