Credit union · NCUA insured
FedFinancial Credit Union CD Rates
Top CarrotFedFinancial Credit Union’s best CD rate is 4.31% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How FedFinancial Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FedFinancial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FedFinancial Credit Union
4.31%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,349
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
FedFinancial Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.61%
- 9–15 months9–15 mo3.73%
- 16–30 months16–30 mo4.12%
- 31–60 months31–60 mo4.31%
- QualifiedQualified4.31%
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 FedFinancial 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 4.31%APY · 7 terms
APY is based on a $1,000 deposit and may vary based on the amount of deposit. Early withdrawal penalty applies: 90 days' dividends for terms less than 1 year, 180 days' dividends for terms of 1 year or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 3.50% | $86 |
| 6 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 3.61% | $179 |
| 12 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 3.73% | $373 |
| 24 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.12% | $841 |
| 36 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.23% | $1,323 |
| 48 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.27% | $1,821 |
| 60 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.31% | $2,349 |
Sources (1)
- fedfinancial.org/savings · captured Oct 4, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.31%APY · 7 terms
Covers Traditional and Roth IRA certificate options. APY is based on a $1,000 deposit and may vary based on the amount of deposit. Early withdrawal penalty applies: 90 days' dividends for terms less than 1 year, 180 days' dividends for terms of 1 year or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 3.50% | $86 |
| 6 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 3.61% | $179 |
| 12 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 3.73% | $373 |
| 24 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.12% | $841 |
| 36 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.23% | $1,323 |
| 48 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.27% | $1,821 |
| 60 monthsAPY is based on a $1,000 deposit and may vary based on the amount of deposit | 4.31% | $2,349 |
Sources (1)
- fedfinancial.org/savings · captured Oct 4, 2026
Who can join FedFinancial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Civilian Federal government employees, retirees, and contractors located in the Washington, DC and Baltimore, MD metropolitan areas are eligible to join.
Family and household
- Family members (spouses, parents, siblings, children, step-parents, step-children, step-siblings, grandparents, grandchildren), legal guardians, co-habitants, and roommates of current members are eligible to join regardless of location.
Membership information collected October 4, 2026.