Credit union · NCUA insured
First Education Federal Credit Union CD Rates
Top CarrotFirst Education Federal Credit Union’s best CD rate is 3.56% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How First Education Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cheyenne, WY, where First Education Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Education Federal Credit Union
3.56%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $266
Share Certificate
Top rate
UniWyo Credit Union
4.40%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $2,402
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
First Education Federal Credit Union CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo2.63%
- 31–60 months31–60 mo1.11%
- QualifiedQualified3.56%
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 First Education 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 Certificate
Up to 3.56%APY · 8 terms
Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPayment Frequency: maturity. Early withdrawal penalties may apply | 2.78% | $138 |
| 9 monthsPayment Frequency: maturity. Early withdrawal penalties may apply | 3.56% | $266 |
| 12 monthsPayment Frequency: quarterly. Early withdrawal penalties may apply | 3.04% | $304 |
| 18 monthsPayment Frequency: quarterly. Early withdrawal penalties may apply | 2.53% | $382 |
| 24 monthsPayment Frequency: quarterly. Early withdrawal penalties may apply | 2.63% | $533 |
| 36 monthsPayment Frequency: quarterly. Early withdrawal penalties may apply | 1.00% | $304 |
| 48 monthsPayment Frequency: quarterly. Early withdrawal penalties may apply | 1.00% | $408 |
| 60 monthsPayment Frequency: quarterly. Early withdrawal penalties may apply | 1.11% | $565 |
Sources (1)
- firstedfcu.com/services/current-rates-deposits · captured Sep 25, 2026
Change is Good Certificate
3.04%APY · 1 term
Deposits to Change is Good certificate allowed only via Debit Card Round-up transactions. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsPayment Frequency: quarterly. Deposits allowed only via Debit Card Round-up transactions. Early withdrawal penalties may apply | 3.04% | — |
Sources (1)
- firstedfcu.com/services/current-rates-deposits · captured Sep 25, 2026
Special-purpose accounts
IRA Certificate
Up to 3.04%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.04% | $304 |
| 24 months | 2.63% | $533 |
| 36 months | 1.00% | $304 |
| 48 months | 1.00% | $408 |
| 60 months | 1.11% | $565 |
Sources (1)
- firstedfcu.com/services/current-rates-deposits · captured Sep 25, 2026
Who can join First Education 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
- Membership is open to everyone who lives, works, goes to school, or worships in Laramie County, WY.
Family and household
- Membership is open to individuals who have family members who live, work, go to school, or worship in Laramie County, WY.
Cost to join
- Opening an account requires an initial deposit of at least $5 and an ID.
Membership information collected October 4, 2026.