Credit union · NCUA insured
Family Savings Credit Union CD Rates
Top CarrotFamily Savings Credit Union’s best CD rate is 4.20% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Family Savings Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where Family Savings Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Savings Credit Union
4.20%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $858
Share Certificates
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
Family Savings Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
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 Savings 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 Certificates
Up to 4.20%APY · 7 terms
Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.00% | $198 |
| 12 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.10% | $410 |
| 18 monthsDividends compounded quarterly. Early withdrawal penalty applies | 3.35% | $507 |
| 24 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $858 |
| 36 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $1,314 |
| 48 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $1,789 |
| 60 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $2,284 |
Sources (1)
- familysavingscu.com/rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.20%APY · 7 terms
Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.00% | $198 |
| 12 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.10% | $410 |
| 18 monthsDividends compounded quarterly. Early withdrawal penalty applies | 3.35% | $507 |
| 24 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $858 |
| 36 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $1,314 |
| 48 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $1,789 |
| 60 monthsDividends compounded quarterly. Early withdrawal penalty applies | 4.20% | $2,284 |
Sources (1)
- familysavingscu.com/rates · captured Oct 5, 2026
Who can join Family Savings Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work (or regularly conduct business in), or attend school in Etowah, Marshall, DeKalb, Jackson, Cherokee, Calhoun, Cleburne, Madison, Blount, St. Clair, Morgan, Cullman, or Talladega Counties, Alabama are eligible for membership.
- Persons who live or work in Bartow, Catoosa, Chattooga, Dade, Floyd, Gordon, Haralson, Paulding, Polk, Carroll, Cherokee, Cobb, Douglas, Murray, Whitfield, or Walker Counties, Georgia are eligible for membership.
Family and household
- Individuals related by blood, adoption, legal guardianship, or marriage to anyone within Family Savings Credit Union's Field of Membership are eligible.
Membership information collected October 4, 2026.