Credit union · NCUA insured
Firelands Federal Credit Union CD Rates
Top CarrotFirelands Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Firelands Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Norwalk, OH, where Firelands Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firelands Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
Share Certificates
Top rate
VacationLand Federal Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Firelands Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- 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 Firelands Federal 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 4.00%APY · 8 terms
Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.00% | $400 |
| 12 monthsTerm: 12 months. Minimum to open: $500 | 4.00% | $400 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 24 monthsTerm: 24 months. Minimum to open: $500 | 3.75% | $764 |
| 30 months | 3.75% | $964 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 7 terms
Traditional and Roth IRA options; no setup, monthly, or annual maintenance fees; dividends compounded and paid quarterly; early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 30 months | 3.75% | $964 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Smart Saver Youth Share Certificates
4.00%APY · 1 term
Maximum balance $20,000 per youth; dividends compounded and paid quarterly; early withdrawal penalties apply. Bonus rate based on child's age added to rate (e.g. stated rate 3.92% base).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor age 0-12. Bonus rate is Plus Age (child's age added to rate) | 4.00% | $400 |
| 12 monthsFor age 13-17. Bonus rate is Plus Age (child's age added to rate) | 4.00% | $400 |
Sources (1)
- firelandsfcu.org/rates · captured Oct 16, 2026
Who can join Firelands Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Huron, Erie, or Crawford counties is eligible to join Firelands FCU.
Family and household
- Individuals with family members who are existing Firelands Federal Credit Union members may qualify for membership.
Cost to join
- Membership requires opening a Share Savings Account with a minimum deposit of $5.
Membership information collected October 5, 2026.