Credit union · NCUA insured
Ferguson FCU CD Rates
Ferguson FCU’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Ferguson FCU’s CD rates compare
Compared with banks and credit unions near Jackson, MS, where Ferguson FCU has the most branches. $10,000, best rate first.
This credit union’s best
Ferguson FCU
4.25%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $868
Share Certificates
Top rate
Veritas Federal Credit Union
4.35%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $398
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
Ferguson FCU CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo2.69%
- 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 Ferguson FCU 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 · 6 terms
Fixed-term share certificate. Early withdrawals subject to penalty. No setup or maintenance fees.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum deposit $500. Early withdrawal subject to penalty | 4.00% | — | 4.00% | $198 |
| 6 monthsPenalty for early withdrawal. Minimum balance to earn APY is $1,000.00 | — | 4.00% | 4.00% | $198 |
| 12 monthsMinimum deposit $500. Early withdrawal subject to penalty | 3.69% | — | 3.69% | $369 |
| 12 monthsPenalty for early withdrawal. Minimum balance to earn APY is $1,000.00 | — | 3.69% | 3.69% | $369 |
| 13 monthsMinimum deposit $500. Early withdrawal subject to penalty | 4.15% | — | 4.15% | $450 |
| 24 monthsMinimum deposit $500. Early withdrawal subject to penalty | 4.25% | — | 4.25% | $868 |
| 24 monthsPenalty for early withdrawal. Minimum balance to earn APY is $1,000.00 | — | 4.25% | 4.25% | $868 |
| 36 monthsMinimum deposit $500. Early withdrawal subject to penalty | 2.69% | — | 2.69% | $829 |
| 36 monthsPenalty for early withdrawal. Minimum balance to earn APY is $1,000.00 | — | 2.69% | 2.69% | $829 |
| 60 monthsMinimum deposit $500. Early withdrawal subject to penalty | 2.39% | — | 2.39% | $1,254 |
| 60 monthsPenalty for early withdrawal. Minimum balance to earn APY is $1,000.00 | — | 2.39% | 2.39% | $1,254 |
Sources (4)
- fergusonfcu.org/rates-fees
- fergusonfcu.org/savings-accounts
- fergusonfcu.org/savings-rates
- fergusonfcu.org/share-certificates
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
0.65%APY
Tiered by balance. Subject to IRA fees ($10.00 annual maintenance fee). Early withdrawals subject to penalty.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $500 – $50,000Tiered by balance. Minimum balance tier $500 - $49,999.99. $10.00 IRA annual maintenance fee. · $500 to open | 0.65% | $500 | $65 | Tiered by balance. Minimum balance tier $500 - $49,999.99. $10.00 IRA annual maintenance fee. |
| $50,000 – $100,000Tiered by balance. Minimum balance tier $50,000 - $99,999.99. $10.00 IRA annual maintenance fee. · Unknown to open | 0.96% | Unknown | — | Tiered by balance. Minimum balance tier $50,000 - $99,999.99. $10.00 IRA annual maintenance fee. |
| $100,000 and upTiered by balance. Minimum balance tier $100,000+. $10.00 IRA annual maintenance fee. · Unknown to open | 1.27% | Unknown | — | Tiered by balance. Minimum balance tier $100,000+. $10.00 IRA annual maintenance fee. |
Sources (3)
All captured Oct 22, 2026
Who can join Ferguson FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in one of the 36 eligible Mississippi counties (8 of which are partial) qualify for membership.
Employers and groups
- Employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
Family and household
- Immediate family members of employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members of employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members (generally spouses, children, parents, and siblings) of current Ferguson FCU members are eligible to join.
Membership information collected October 4, 2026.