First Service Federal Credit Union CD Rates

How First Service Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Columbus, OH, where First Service Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
First Service Federal Credit Union
3.76%APY
Term
48 months
Minimum
$500
Earns on $10,000
$1,591
Term Share Certificate
Top rate
Homeland Credit Union
5.15%APY
Term
30 months
Minimum
$500
Earns on $10,000
$1,338
Homeland Credit Union rates
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
Term
60 months
Minimum
$500
Earns on $10,000
$2,802
Scott Associates Credit Union Inc rates

Compare CD rates near you →

CD score

Higher than 56% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.45%
9–15 months9–15 mo3.55%
16–30 months16–30 mo3.55%
31–60 months31–60 mo3.76%
QualifiedQualified3.76%

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.

How the score works →

Where First Service 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.

Term Share Certificate

Up to 3.76%APY · 8 termsFrom $500 to open

Relationship Rewards: 10 basis points (.10) added to regular term certificate rates when the member has an active First Service loan balance, a First Service checking account, or is a Prime Time Club member, up to a maximum of 30 basis points (.30). Bonus points are not available on special promotions, zero-balance loans/lines of credit, or JUMP Certificates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsDividends compounded/credited monthly. Early withdrawal penalty is 3 months dividends	2.93%	$72
6 monthsDividends compounded/credited monthly. Early withdrawal penalty is 3 months dividends	3.45%	$171
12 monthsDividends compounded/credited monthly. Early withdrawal penalty is 3 months dividends	3.45%	$345
15 monthsDividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends	3.55%	$446
24 monthsDividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends	3.55%	$723
36 monthsDividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends	3.66%	$1,139
48 monthsDividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends	3.76%	$1,591
60 monthsDividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends	3.76%	$2,027

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

IRA Term Share Certificate

Up to 3.76%APY · 8 termsIRAFrom $500 to open

Applies to Traditional and Roth IRAs. A $10 annual fee is charged on IRAs with a balance under $2,500 at year-end; waived if balance is greater than or equal to $2,500. $50 fee if closed within 12 months of opening.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 3 months dividends	2.93%	$72
6 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 3 months dividends	3.45%	$171
12 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 3 months dividends	3.45%	$345
15 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 6 months dividends	3.55%	$446
24 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 6 months dividends	3.55%	$723
36 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 6 months dividends	3.66%	$1,139
48 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 6 months dividends	3.76%	$1,591
60 months$10 annual fee waived if balance is greater than $2,500. Early withdrawal penalty is 6 months dividends	3.76%	$2,027

Sources (2)

All captured Oct 6, 2026

Who can join First Service 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

First Service is open to everyone who lives, works, worships or attends school in Franklin, Delaware, Fairfield, Licking, Madison, Morrow, Pickaway, or Union County.

Cost to join

You can open your account with as little as $5.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← First Service Federal Credit Union overview