Credit union · NCUA insured
Financial Security CU CD Rates
Financial Security CU’s best CD rate is 3.34% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Financial Security CU’s CD rates compare
Compared with banks and credit unions near Carlsbad, NM, where Financial Security CU has the most branches. $10,000, best rate first.
This credit union’s best
Financial Security CU
3.34%APY
- Term
- 36 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,036
Term Share Certificate
Top rate
Artesia Credit Union
4.32%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $432
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Financial Security CU CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo2.01%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.34%
- QualifiedQualified3.34%
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 Security CU 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 Certificate
Up to 3.34%APY · 5 terms
| Term | APY · Any balance | APY · $150,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 2.01% | — | — | 2.01% | $100 |
| 12 months | 3.03% | — | — | 3.03% | $303 |
| 18 monthsTier 1 | — | 3.13% | — | —3.13% $150k–$250k | — |
| 18 monthsTier 2 | — | — | 3.23% | —3.23% from $250k | — |
| 24 months | 3.29% | — | — | 3.29% | $669 |
| 36 months | 3.34% | — | — | 3.34% | $1,036 |
Sources (1)
- finseccu.com/certificate-rates · captured Oct 3, 2026
Who can join Financial Security CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents living and/or working in Eddy County, New Mexico are eligible for membership.
Family and household
- Members of the immediate families of persons living and/or working in Eddy County, New Mexico (defined as any relative by blood or marriage, including adoptive and foster children) are eligible for membership.
Other ways
- Organizations of persons living and/or working in Eddy County, New Mexico are eligible for membership.
Cost to join
- A deposit or payment of $26.00 is required to establish a Membership Account.
Membership information collected October 4, 2026.