Credit union · NCUA insured
FD Community Federal Credit Union CD Rates
Top CarrotFD Community Federal Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How FD Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Waterbury, CT, where FD Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FD Community Federal Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Share Certificates
Top rate
Skyline Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $289
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
FD Community Federal Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- 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 FD Community Federal 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 4.25%APY · 8 terms
Certificate terms from 6 months to 5 years. Minimum $500 to open. Rates subject to change at any time. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 90 days dividend | 3.75% | $186 |
| 9 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 90 days dividend | 4.25% | $317 |
| 12 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 3.65% | $365 |
| 18 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 2.00% | $301 |
| 24 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 3.25% | $661 |
| 36 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 2.25% | $690 |
| 48 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 2.75% | $1,146 |
| 60 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 3.00% | $1,593 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.25%APY · 5 terms
Certificates over 12 months in term can be used for IRA Accounts (Traditional IRA and Roth IRA). Minimum $500 to open. Rates subject to change at any time. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 2.00% | $301 |
| 24 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 3.25% | $661 |
| 36 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 2.25% | $690 |
| 48 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 2.75% | $1,146 |
| 60 months$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend | 3.00% | $1,593 |
Sources (3)
- fdcommunityfcu.org/Accounts/Sa…dual-Retirement-Accounts
- fdcommunityfcu.org/Rates/Savings-Rates
- fdcommunityfcu.org/Accounts/Savings/Certificates
All captured Oct 15, 2026
Who can join FD Community Federal Credit Union
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