Credit union · NCUA insured
Financial Builders CD Rates
Financial Builders’s best CD rate is 4.05% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Financial Builders’s CD rates compare
Compared with banks and credit unions near Kokomo, IN, where Financial Builders has the most branches. $10,000, best rate first.
This credit union’s best
Financial Builders
4.05%APY
- Term
- 13 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $439
Bump Special CD
Top rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
First Farmers Bank & Trust
4.25%APY
- Term
- 19 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $681
Financial Builders CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo2.48%
- 31–60 months31–60 mo2.29%
- QualifiedQualified4.05%
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 Financial Builders 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.
Bump Special CD
Up to 4.05%APY · 2 terms
Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 3.80% | $220 |
| 13 months | 4.05% | $439 |
Sources (1)
- financialbuilders.org/manage/tools/rates.html · captured Sep 18, 2026
Flex Special CD
Up to 4.05%APY · 2 terms
Add funds at any time. Early withdrawal penalty may apply: 3 months interest on highest balance for 7-month CD, 6 months interest on highest balance for 13-month CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsRenews into 6 months at maturity. Allows 1 withdrawal during the term with a Member Service representative as long as at least $5,000 remains in the CD | 3.80% | $220 |
| 13 monthsRenews into 12 months at maturity. Allows 2 withdrawals during the term with a Member Service representative as long as at least $5,000 remains in the CD | 4.05% | $439 |
Sources (2)
- financialbuilders.org/_/kcms-d…1/FLEX-CD-Info-Sheet.pdf
- financialbuilders.org/manage/tools/rates.html
All captured Sep 18, 2026
Certificates of Deposit (CDs)
Up to 2.48%APY · 7 terms
Dividends paid monthly. Renews automatically upon maturity. Early withdrawals subject to penalty. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.63% | $41 |
| 6 months | 2.07% | $103 |
| 12 months | 2.32% | $232 |
| 24 months | 2.48% | $502 |
| 36 months | 2.19% | $671 |
| 48 months | 2.24% | $927 |
| 60 months | 2.29% | $1,199 |
Save to Win Share Certificate
1.26%APY · 1 term
Keep making deposits into share certificate during 12-month term. Monthly, quarterly, and annual prize drawings ranging from $25 to $5,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.26% | $126 |
Special-purpose accounts
IRA Certificates
Up to 2.52%APY · 3 terms
Traditional and Roth IRA options available. No setup fees. No monthly or annual maintenance fees. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.38% | $238 |
| 24 months | 2.52% | $510 |
| 36 months | 2.23% | $684 |
Sources (2)
- financialbuilders.org/banking/…ings/retirement-ira.html
- financialbuilders.org/manage/tools/rates.html
All captured Sep 18, 2026
Who can join Financial Builders
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone who lives, works, or worships in Howard, Tipton, White, Carroll, Clinton, Cass, or Miami Counties.
Cost to join
- A deposit of $5 into a savings account is required to become a member.
Membership information collected October 5, 2026.