Credit union · NCUA insured
FedChoice Federal Credit Union CD Rates
FedChoice Federal Credit Union’s best CD rate is 4.10% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How FedChoice Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FedChoice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FedChoice Federal Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $445
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
FedChoice Federal Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.10%
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 FedChoice 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 4.10%APY · 9 terms
$500 Minimum Opening Balance. Dividends are Compounded/Credited Quarterly on Regular Share Certificate terms. Term Certificate accounts may be subject to penalties for early withdrawal.
| Term | APY · $500 – $49,999 | APY · $500 – $250,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months6 Months Mini-Jumbo. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | — | — | 3.30% | —3.30% from $50k | — |
| 6 months6 Months Mini-Jumbo. Standard APY. Dividends compounded/credited quarterly | — | — | 3.05% | —3.05% from $50k | — |
| 6 months6 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | 3.25% | — | — | 3.25% | $161 |
| 6 months6 Months Regular. Standard APY. Dividends compounded/credited quarterly | 3.00% | — | — | 3.00% | $149 |
| 11 months11 Months Share Certificate promotional offer. Limited to two per member. Dividends posted quarterly. Not available for the Earn More rate. Accurate as of August 1, 2026. At renewal, balances under $50,000 renew into 12 month Share Certificate; balances $50,000 or more renew into 12 month Mini-Jumbo Share Certificate | — | 4.00% | — | 4.00% | $366 |
| 12 months12 Months Mini-Jumbo. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | — | — | 3.80% | —3.80% from $50k | — |
| 12 months12 Months Mini-Jumbo. Standard APY. Dividends compounded/credited quarterly | — | — | 3.55% | —3.55% from $50k | — |
| 12 months12 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | 3.75% | — | — | 3.75% | $375 |
| 12 months12 Months Regular. Standard APY. Dividends compounded/credited quarterly | 3.50% | — | — | 3.50% | $350 |
| 13 months13 Months Share Certificate promotional offer. Limited to two per member. Dividends posted quarterly. Not available for the Earn More rate. Accurate as of August 1, 2026. At renewal, balances under $50,000 renew into 12 month Share Certificate; balances $50,000 or more renew into 12 month Mini-Jumbo Share Certificate | — | 4.10% | — | 4.10% | $445 |
| 18 months18 Months Mini-Jumbo. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | — | — | 3.40% | —3.40% from $50k | — |
| 18 months18 Months Mini-Jumbo. Standard APY. Dividends compounded/credited quarterly | — | — | 3.15% | —3.15% from $50k | — |
| 18 months18 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | 3.35% | — | — | 3.35% | $507 |
| 18 months18 Months Regular. Standard APY. Dividends compounded/credited quarterly | 3.10% | — | — | 3.10% | $469 |
| 24 months24 Months Mini-Jumbo. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | — | — | 3.65% | —3.65% from $50k | — |
| 24 months24 Months Mini-Jumbo. Standard APY. Dividends compounded/credited quarterly | — | — | 3.40% | —3.40% from $50k | — |
| 24 months24 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | 3.60% | — | — | 3.60% | $733 |
| 24 months24 Months Regular. Standard APY. Dividends compounded/credited quarterly | 3.35% | — | — | 3.35% | $681 |
| 36 months36 Months Mini-Jumbo. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | — | — | 3.45% | —3.45% from $50k | — |
| 36 months36 Months Mini-Jumbo. Standard APY. Dividends compounded/credited quarterly | — | — | 3.20% | —3.20% from $50k | — |
| 36 months36 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | 3.40% | — | — | 3.40% | $1,055 |
| 36 months36 Months Regular. Standard APY. Dividends compounded/credited quarterly | 3.15% | — | — | 3.15% | $975 |
| 48 months48 Months Mini-Jumbo. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | — | — | 3.15% | —3.15% from $50k | — |
| 48 months48 Months Mini-Jumbo. Standard APY. Dividends compounded/credited quarterly | — | — | 2.90% | —2.90% from $50k | — |
| 48 months48 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | 3.15% | — | — | 3.15% | $1,321 |
| 48 months48 Months Regular. Standard APY. Dividends compounded/credited quarterly | 2.90% | — | — | 2.90% | $1,211 |
| 60 months60 Months Mini-Jumbo. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | — | — | 3.05% | —3.05% from $50k | — |
| 60 months60 Months Mini-Jumbo. Standard APY. Dividends compounded/credited quarterly | — | — | 2.80% | —2.80% from $50k | — |
| 60 months60 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly | 3.00% | — | — | 3.00% | $1,593 |
| 60 months60 Months Regular. Standard APY. Dividends compounded/credited quarterly | 2.75% | — | — | 2.75% | $1,453 |
Special-purpose accounts
IRA Term Certificates
Up to 3.40%APY · 2 terms
Choose from Traditional IRA, Roth IRA, SEP IRA. Dividends compounded and credited monthly. Penalties for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFedPerks APY applies when member is a FedPerks Member. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 3.35% | $507 |
| 18 monthsIRA Mini-Jumbo. FedPerks APY applies when member is a FedPerks Member. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 3.40% | $514 |
| 18 monthsIRA Mini-Jumbo. Standard APY. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 3.15% | $476 |
| 18 monthsStandard APY. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 3.10% | $469 |
| 60 monthsFedPerks APY applies when member is a FedPerks Member. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 3.00% | $1,593 |
| 60 monthsIRA Mini-Jumbo. FedPerks APY applies when member is a FedPerks Member. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 3.05% | $1,621 |
| 60 monthsIRA Mini-Jumbo. Standard APY. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 2.80% | $1,481 |
| 60 monthsStandard APY. Available for Traditional, Roth, or SEP IRA. Dividends compounded and credited monthly | 2.75% | $1,453 |
Sources (1)
- fedchoice.org/deposit-rates · captured Oct 4, 2026
Coverdell ESA Share Certificate
Up to 3.35%APY · 1 term
Dividends compounded and credited monthly. A withdrawal will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFedPerks APY applies when member is a FedPerks Member. FedPerks Membership is earned each month and is valid for the month earned and following month. Dividends compounded and credited monthly | 3.35% | $507 |
| 18 monthsStandard APY. Dividends compounded and credited monthly | 3.10% | $469 |
Sources (1)
- fedchoice.org/deposit-rates · captured Oct 4, 2026
Who can join FedChoice Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal employees or contractors who work for, are paid by, or are supervised by someone in the Washington, D.C. metro area and work for specified qualifying agencies or associations are eligible for membership.
- FedChoice Federal Credit Union employees, board members, or volunteers are eligible for membership.
Family and household
- Immediate family members (spouse, child [step/adopted], sibling [step/adopted], parent, grandparent, grandchild) of eligible federal employees or contractors are eligible for membership.
- Immediate family members of or individuals permanently residing with a FedChoice Federal Credit Union employee, board member, or volunteer are eligible for membership.
Other ways
- Members of the FedChoice Charitable Foundation are eligible for membership. FedChoice will make a contribution covering membership, or the applicant may make at least a $5 contribution to cover one-time membership dues.
Cost to join
- FedChoice Charitable Foundation membership dues are covered by a contribution made by FedChoice, or applicants may optionally contribute at least $5 via fedchoicegives.org.
Membership information collected October 4, 2026.