Credit union · NCUA insured
Family Horizons Credit Union CD Rates
Family Horizons Credit Union’s best CD rate is 3.60% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Family Horizons Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Family Horizons Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Horizons Credit Union
3.60%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $360
Share Certificate
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
Family Horizons Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.60%
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 Family Horizons 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 Certificate
Up to 3.60%APY · 7 terms
Fixed rate share certificate. Additional deposits are not allowed. Automatic renewal. Withdrawals allowed subject to transaction limitations.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded at maturity and credited at maturity | 0.10% | $2 |
| 6 monthsDividends compounded at maturity and credited monthly | 3.15% | $156 |
| 12 monthsDividends compounded at maturity and credited monthly | 3.60% | $360 |
| 24 monthsDividends compounded at maturity and credited monthly | 3.25% | $661 |
| 36 monthsDividends compounded at maturity and credited monthly | 3.25% | $1,007 |
| 48 monthsDividends compounded at maturity and credited monthly | 3.00% | $1,255 |
| 60 monthsDividends compounded at maturity and credited monthly | 2.75% | $1,453 |
Sources (2)
- familyhorizons.com/accounts/share-certificates
- familyhorizons.com/wp-content/…03/3-11-26-TIS-Certs.pdf
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.66%APY · 5 terms
Can be opened with a one-time transfer from an IRA Savings Account or any source that does not exceed yearly deposit limits. Fixed rate IRA certificate. Additional deposits are not allowed. Automatic renewal. Withdrawals allowed subject to transaction limitations.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded monthly and credited monthly | 3.66% | $366 |
| 24 monthsDividends compounded monthly and credited monthly | 3.30% | $671 |
| 36 monthsDividends compounded monthly and credited monthly | 3.30% | $1,023 |
| 48 monthsDividends compounded monthly and credited monthly | 3.04% | $1,273 |
| 60 monthsDividends compounded monthly and credited monthly | 2.79% | $1,472 |
Sources (3)
- familyhorizons.com/accounts/iras
- familyhorizons.com/accounts/share-certificates
- familyhorizons.com/wp-content/…03/3-11-26-TIS-Certs.pdf
All captured Sep 18, 2026
Who can join Family Horizons Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals are eligible to join if they live or work in Boone, Hamilton, Hancock, Hendricks, Johnson, Madison, Marion (except Center Township), Morgan, or Shelby County in Indiana.
Family and household
- Individuals are eligible for membership if a member of their immediate family is a member.
Membership information collected October 5, 2026.