Credit union · NCUA insured
First Trust Credit Union CD Rates
First Trust Credit Union’s best CD rate is 3.75% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How First Trust Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Trust Credit Union
3.75%APY
- Term
- 60 months
- Minimum
- $10,000
- Earns on $10,000
- $2,021
Share Certificates (CDs)
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
First Trust Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 Trust 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 (CDs)
Up to 3.75%APY · 10 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown | 2.50% | $0 |
| 3 months | 0.80% | $20 |
| 6 months | 3.50% | $173 |
| 12 months | 3.50% | $350 |
| 18 months | 2.80% | $423 |
| 24 months | 3.00% | $609 |
| 30 months | 3.10% | $793 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.75% | $2,021 |
Who can join First Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Indiana's La Porte, Porter, Jasper, Newton, or Pulaski Counties.
Employers and groups
- Eligibility is open to individuals who work for one of the credit union's Community Partners in La Porte, Porter, Jasper, Newton, Pulaski, Starke, or White Counties.
Family and household
- Eligibility is open to individuals with family members of the credit union, defined as parents, children, spouse, siblings, grandparent, grandchildren, stepparents, stepchildren, stepsiblings, or adoptive relationships.
Membership information collected October 5, 2026.