Credit union · NCUA insured
Federal Employees CU CD Rates
Federal Employees CU’s best CD rate is 4.70% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Federal Employees CU’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This credit union’s best
Federal Employees CU
4.70%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,017
Certificates of Deposit "Regular"
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit "Regular"
Up to 4.70%APY · 7 terms
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily | 4.20% | $420 |
| 18 monthsEarly withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily | 4.30% | $652 |
| 24 monthsEarly withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily | 4.40% | $899 |
| 30 monthsEarly withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily | 4.50% | $1,163 |
| 36 monthsEarly withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily | 4.60% | $1,444 |
| 48 monthsEarly withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily | 4.70% | $2,017 |
Special-purpose accounts
IRA Certificate
Up to 4.70%APY · 4 terms
Early withdrawal penalty of 90 days interest. IRA CDs pay at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty of 90 days interest. IRA CDs pay at maturity | 4.20% | $420 |
| 24 monthsEarly withdrawal penalty of 90 days interest. IRA CDs pay at maturity | 4.40% | $899 |
| 36 monthsEarly withdrawal penalty of 90 days interest. IRA CDs pay at maturity | 4.60% | $1,444 |
| 60 monthsEarly withdrawal penalty of 90 days interest. IRA CDs pay at maturity | 4.70% | $2,582 |
Sources (1)
- federalempscu.com/account-rates · captured Oct 5, 2026
Who can join Federal Employees CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Current or retired federal/government employees, military personnel, and veterans are eligible for membership.
Family and household
- Spouses and family members of federal/government employees, as well as immediate family members of existing members, are eligible to join.
Cost to join
- Opening both share and share draft accounts requires a minimum deposit of $56.
- Opening a share (savings) account requires a minimum deposit of $26.
Membership information collected October 4, 2026.