Credit union · Privately insured
Firefighters Credit Union CD Rates
Firefighters Credit Union’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Firefighters Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Firefighters Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firefighters Credit Union
4.00%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,167
Share Certificate
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Firefighters Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo2.15%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Firefighters 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 Certificate
Up to 4.00%APY · 6 terms
A penalty may be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal | — | 2.15% | 2.15% | $107 |
| 12 monthsA penalty may be imposed for early withdrawal | 3.00% | — | 3.00% | $300 |
| 24 monthsA penalty may be imposed for early withdrawal | 3.20% | — | 3.20% | $650 |
| 36 monthsA penalty may be imposed for early withdrawal | 3.50% | — | 3.50% | $1,087 |
| 48 monthsA penalty may be imposed for early withdrawal | 3.50% | — | 3.50% | $1,475 |
| 60 monthsA penalty may be imposed for early withdrawal | 4.00% | — | 4.00% | $2,167 |
Sources (1)
- fire-cu.org/savings/rates · captured Oct 5, 2026
Special-purpose accounts
Share Certificates - IRA Traditional
Up to 4.00%APY · 5 terms
IRA withdrawals may be subject to IRS penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIRA withdrawals may be subject to IRS penalties | 3.00% | $300 |
| 24 monthsIRA withdrawals may be subject to IRS penalties | 3.20% | $650 |
| 36 monthsIRA withdrawals may be subject to IRS penalties | 3.50% | $1,087 |
| 48 monthsIRA withdrawals may be subject to IRS penalties | 3.50% | $1,475 |
| 60 monthsIRA withdrawals may be subject to IRS penalties | 4.00% | $2,167 |
Sources (1)
- fire-cu.org/savings/rates · captured Oct 5, 2026
Who can join Firefighters Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Computer Experts are eligible to join.
- Employees of Firefighters Credit Union are eligible to join.
- Employees of File Engine, Server Partners, LLC are eligible to join.
- All members of the Indiana Firefighters Association, Inc. are eligible to join.
- All members of the Indiana Volunteer Firefighters Association are eligible to join.
- All members of the Professional Fire Fighters Union of Indiana, Inc. are eligible to join.
6 more ways to join
Employers and groups
- Persons retired as pensioners or annuitants from the qualifying employments are eligible to join.
Military, government and schools
- All firefighters appointed in any capacity or status and civilian employees of Fire Departments in Marion, Boone, Hamilton, Hancock, Hendricks, Johnson, Morgan and Shelby Counties, IN are eligible to join.
- Full-time, paid, professional, uniformed employees of Police Departments in the Cities of Franklin, Greenfield, Shelbyville or Speedway, IN are eligible to join.
Family and household
- Members of immediate families, including life partners, of eligible persons are eligible to join.
- Spouses of persons who died while within the field of membership of this Credit Union are eligible to join.
Other ways
- Organizations of eligible persons are eligible to join.
Cost to join
- A regular share savings account requires a $5 minimum balance.
Membership information collected October 5, 2026.