Credit union · NCUA insured
First Flight Credit Union CD Rates
Top CarrotFirst Flight Credit Union’s best CD rate is 4.07% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Flight Credit Union’s CD rates compare
Compared with banks and credit unions near New Bern, NC, where First Flight Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Flight Credit Union
4.07%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $407
Share Certificates
Top rate
Weyco Community Credit Union
4.49%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $681
2nd-highest rate
State Employees' Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $652
First Flight Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo3.56%
- QualifiedQualified4.07%
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 Flight 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 4.07%APY · 8 terms
Minimum deposit to open account is $500 for rate tier 1 and $10,000 for rate tier 2. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in Primary Savings. Early withdrawal penalties apply.
| Term | APY · Up to $10,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm: 90 Days. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 1.92% | — | —1.92% to $10k | — |
| 3 monthsTerm: 90 Days. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 2.02% | 2.02% | $50 |
| 6 monthsTerm: 180 Days. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 1.92% | — | —1.92% to $10k | — |
| 6 monthsTerm: 180 Days. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 2.02% | 2.02% | $100 |
| 12 monthsTerm: 12 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 3.97% | — | —3.97% to $10k | — |
| 12 monthsTerm: 12 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 4.07% | 4.07% | $407 |
| 18 monthsTerm: 18 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 3.97% | — | —3.97% to $10k | — |
| 18 monthsTerm: 18 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 4.07% | 4.07% | $617 |
| 24 monthsTerm: 24 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 3.76% | — | —3.76% to $10k | — |
| 24 monthsTerm: 24 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 3.87% | 3.87% | $789 |
| 36 monthsTerm: 36 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 3.45% | — | —3.45% to $10k | — |
| 36 monthsTerm: 36 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 3.56% | 3.56% | $1,106 |
| 48 monthsTerm: 48 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 3.20% | — | —3.20% to $10k | — |
| 48 monthsTerm: 48 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 3.30% | 3.30% | $1,387 |
| 60 monthsTerm: 60 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | 3.20% | — | —3.20% to $10k | — |
| 60 monthsTerm: 60 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply | — | 3.30% | 3.30% | $1,763 |
Sources (3)
- firstflightcu.com/rates
- firstflightcu.com/certificates
- firstflightcu.com/wp-content/u…TIS-Certs-10-01-2026.pdf
All captured Oct 22, 2026
Special-purpose accounts
Roth Conversion IRA Share Certificate
Up to 4.23%APY · 6 terms
Roth Conversion IRA Share Certificate. Early withdrawal penalties apply. IRA Service Fee of $10.00 once per year per IRA. Membership requires purchasing and maintaining 1 share ($25.00) in Primary Savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 12 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.23% | $423 |
| 12 monthsTerm: 12 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.13% | $413 |
| 18 monthsTerm: 18 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.07% | $617 |
| 18 monthsTerm: 18 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | $601 |
| 24 monthsTerm: 24 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.07% | $831 |
| 24 monthsTerm: 24 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | $810 |
| 36 monthsTerm: 36 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.56% | $1,106 |
| 36 monthsTerm: 36 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.45% | $1,071 |
| 48 monthsTerm: 48 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.30% | $1,387 |
| 48 monthsTerm: 48 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | $1,343 |
| 60 monthsTerm: 60 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.30% | $1,763 |
| 60 monthsTerm: 60 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | $1,706 |
Sources (1)
- firstflightcu.com/wp-content/u…TIS-Certs-10-01-2026.pdf · captured Oct 22, 2026
Roth IRA Share Certificate
Up to 4.23%APY · 6 terms
Fixed-rate certificate combining tax advantages of a Roth IRA. Early withdrawal penalties apply. IRA Service Fee of $10.00 once per year per IRA. Membership requires purchasing and maintaining 1 share ($25.00) in Primary Savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 12 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.23% | $423 |
| 12 monthsTerm: 12 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.13% | $413 |
| 18 monthsTerm: 18 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.07% | $617 |
| 18 monthsTerm: 18 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | $601 |
| 24 monthsTerm: 24 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.07% | $831 |
| 24 monthsTerm: 24 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | $810 |
| 36 monthsTerm: 36 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.56% | $1,106 |
| 36 monthsTerm: 36 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.45% | $1,071 |
| 48 monthsTerm: 48 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.30% | $1,387 |
| 48 monthsTerm: 48 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | $1,343 |
| 60 monthsTerm: 60 Months. Opening deposit $10,000.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.30% | $1,763 |
| 60 monthsTerm: 60 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | $1,706 |
Sources (2)
All captured Oct 22, 2026
Education IRA Share Certificate
Up to 4.13%APY · 6 terms
Education IRA Share Certificate. Early withdrawal penalties apply. IRA Service Fee of $10.00 once per year per IRA. Membership requires purchasing and maintaining 1 share ($25.00) in Primary Savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 12 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 4.13% | $413 |
| 18 monthsTerm: 18 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | $601 |
| 24 monthsTerm: 24 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | $810 |
| 36 monthsTerm: 36 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.45% | $1,071 |
| 48 monthsTerm: 48 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | $1,343 |
| 60 monthsTerm: 60 Months. Opening deposit $500.00. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | $1,706 |
Sources (1)
- firstflightcu.com/wp-content/u…TIS-Certs-10-01-2026.pdf · captured Oct 22, 2026
Traditional IRA Certificates
Up to 4.07%APY · 6 terms
Traditional IRA Certificate offers fixed rates and tax-deferred earnings. Early withdrawal penalties apply. IRA Service Fee of $10.00 once per year per IRA, and IRA Early Closure Fee of $35.00 may apply according to the fee schedule. Membership requires purchasing and maintaining 1 share ($25.00) in Primary Savings.
| Term | APY · Up to $10,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsTerm: 12 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | — | —3.97% to $10k | — |
| 12 monthsTerm: 12 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | — | 4.07% | 4.07% | $407 |
| 18 monthsTerm: 18 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.97% | — | —3.97% to $10k | — |
| 18 monthsTerm: 18 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | — | 4.07% | 4.07% | $617 |
| 24 monthsTerm: 24 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.76% | — | —3.76% to $10k | — |
| 24 monthsTerm: 24 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | — | 3.87% | 3.87% | $789 |
| 36 monthsTerm: 36 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.45% | — | —3.45% to $10k | — |
| 36 monthsTerm: 36 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | — | 3.56% | 3.56% | $1,106 |
| 48 monthsTerm: 48 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | — | —3.20% to $10k | — |
| 48 monthsTerm: 48 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | — | 3.30% | 3.30% | $1,387 |
| 60 monthsTerm: 60 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | 3.20% | — | —3.20% to $10k | — |
| 60 monthsTerm: 60 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply. Annual IRA service fee is $10.00 per IRA | — | 3.30% | 3.30% | $1,763 |
Sources (3)
- firstflightcu.com/rates
- firstflightcu.com/retirement
- firstflightcu.com/wp-content/u…TIS-Certs-10-01-2026.pdf
All captured Oct 22, 2026
Who can join First Flight Credit Union
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