Credit union · NCUA insured
Firefighters Credit Union CD Rates
Firefighters Credit Union’s best CD rate is 4.15% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Firefighters Credit Union’s CD rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where Firefighters Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firefighters Credit Union
4.15%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $521
Share Certificates
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Co-op Credit Union
4.70%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $713
Firefighters Credit Union CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.15%
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 Certificates
Up to 4.15%APY · 10 terms
Rates subject to change without notice. Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal. Membership open to eligible persons living/working in specified WI/MN counties or eligible employee/family groups.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 days | 3.40% | $84 |
| 6 months | 3.45% | $171 |
| 9 months | 4.05% | $302 |
| 12 months | 3.50% | $350 |
| 15 months | 4.15% | $521 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.60% | $1,934 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.15%APY · 5 terms
Available for terms over 1 year. Minimum balance $1,000. Not available in 4-year term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsEarly withdrawal penalties may apply | 4.15% | $521 |
| 18 monthsEarly withdrawal penalties may apply | 3.50% | $530 |
| 24 monthsEarly withdrawal penalties may apply | 3.50% | $712 |
| 36 monthsEarly withdrawal penalties may apply | 3.50% | $1,087 |
| 60 monthsEarly withdrawal penalties may apply | 3.60% | $1,934 |
Sources (1)
- myfirecu.org/rates-specials · captured Sep 18, 2026
Young Saver’s Certificates
Up to 4.15%APY · 10 terms
Young Saver’s Certificates have a $250.00 minimum balance. Rates same as Share Certificates schedule. All terms are open for additional deposits excluding the three month, six month, and nine month terms. Penalty may be applied for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 days (3 months). Not open for additional deposits | 3.40% | $84 |
| 6 monthsNot open for additional deposits | 3.45% | $171 |
| 9 monthsNot open for additional deposits | 4.05% | $302 |
| 12 monthsOpen for additional deposits | 3.50% | $350 |
| 15 monthsOpen for additional deposits | 4.15% | $521 |
| 18 monthsOpen for additional deposits | 3.50% | $530 |
| 24 monthsOpen for additional deposits | 3.50% | $712 |
| 36 monthsOpen for additional deposits | 3.50% | $1,087 |
| 48 monthsOpen for additional deposits | 3.55% | $1,497 |
| 60 monthsOpen for additional deposits | 3.60% | $1,934 |
Sources (1)
- myfirecu.org/rates-specials · captured Sep 18, 2026
Who can join Firefighters Credit Union
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 individuals who live or work in specified Minnesota counties.
- Membership is open to individuals who live or work in specified Wisconsin counties.
Employers and groups
- Membership is open to licensed real estate agents servicing the area within a 50-mile radius of La Crosse.
- Membership is open to employees of USA Securities.
Military, government and schools
- Membership is open to employees of an Emergency Protective Service Agency within the servicing area of La Crosse.
Family and household
- Membership is open to immediate family members of eligible individuals.
1 more way to join
Family and household
- Membership is open to relatives of eligible individuals living in the same household.
Membership information collected October 5, 2026.