Credit union · NCUA insured
Five Star Federal Credit Union CD Rates
Five Star Federal Credit Union’s best CD rate is 3.55% APY on a 4-year share certificate (CD). Terms run from 1 year to 4 years. Rates checked October 22, 2026.
How Five Star Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Five Star Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Five Star Federal Credit Union
3.55%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,497
Regular Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Five Star Federal Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
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 Five Star 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.
Regular Share Certificates
Up to 3.55%APY · 3 terms
Earnings are paid using Average Daily Balance method and credited and compounded quarterly. Minimum deposit is $500. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.03% | $303 |
| 30 months | 3.29% | $843 |
| 48 months | 3.55% | $1,497 |
Sources (1)
- fivestarfcu.org/accounts/certificates · captured Oct 7, 2026
Special-purpose accounts
IRA & Education Share Certificates
Up to 3.55%APY · 3 terms
Available as Traditional or Roth IRA / Education Share Certificates. Minimum deposit is $500. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply, plus IRS penalties where applicable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.03% | $303 |
| 30 months | 3.29% | $843 |
| 48 months | 3.55% | $1,497 |
Sources (2)
All captured Oct 7, 2026
Who can join Five Star Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.