Credit union · NCUA insured
Federated Employees Credit Union CD Rates
Top CarrotFederated Employees Credit Union’s best CD rate is 4.42% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Federated Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Owatonna, MN, where Federated Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Federated Employees Credit Union
4.42%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,414
Term Share Certificates
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Community Bank Owatonna
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $534
Federated Employees Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.16%
- 16–30 months16–30 mo4.21%
- 31–60 months31–60 mo4.42%
- QualifiedQualified4.42%
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 Federated Employees 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.
Term Share Certificates
Up to 4.42%APY · 7 terms
Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.95% | $196 |
| 12 months | 4.16% | $416 |
| 24 months | 4.21% | $860 |
| 36 months | 4.26% | $1,333 |
| 48 months | 4.31% | $1,839 |
| 60 months | 4.42% | $2,414 |
$ave-N-Grow
4.06%APY · 1 term
Dividends are compounded and paid quarterly. Minimum balance to open is $100 for Kids Club certificate and $1,000 for all others. Early withdrawal penalty applies. 10 day grace period at end of term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsMinimum balance to open is $100 for Kids Club certificate and $1,000 for all others | 4.06% | $303 |
Sources (1)
- fedecu.com/rates · captured Oct 5, 2026
Who can join Federated Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all Federated Insurance Companies employees and retirees.
Family and household
- Membership is available to spouses, children, grandchildren, parents, in-laws, and siblings of Federated Insurance Companies employees and retirees.
Cost to join
- A deposit of one share of $5 into a credit union savings account is required to become a member.
Membership information collected October 4, 2026.