Credit union · NCUA insured
Focus Credit Union CD Rates
Focus Credit Union’s best CD rate is 4.10% APY on a 33-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Focus Credit Union’s CD rates compare
Compared with banks and credit unions near Milwaukee, WI, where Focus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Focus Credit Union
4.10%APY
- Term
- 33 months
- Minimum
- $10,000
- Earns on $10,000
- $1,168
Special Certificate
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Bank Five Nine
4.65%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $910
Focus Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 Focus 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.
Special Certificate
Up to 4.10%APY · 3 terms
Minimum deposit of $10,000 required. Membership eligibility required. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 3.50% | $439 |
| 27 months | 3.80% | $875 |
| 33 months | 4.10% | $1,168 |
Sources (3)
All captured Oct 16, 2026
Premium Share Certificate Accounts
Up to 2.90%APY · 5 terms
All dividends are compounded and paid quarterly. Minimum balance requirement of $5,000. Membership eligibility required. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.60% | $15 |
| 6 months | 1.00% | $50 |
| 12 months | 1.50% | $150 |
| 24 months | 2.50% | $506 |
| 36 months | 2.90% | $895 |
Sources (3)
All captured Oct 16, 2026
Regular Certificate
Up to 1.90%APY · 5 terms
Regular Certificates require a minimum balance of $500 for 3-month and 6-month, or a minimum of $1,000 for the 1-, 2-, or 3-year certificates.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.25% | — | 0.25% | $6 |
| 6 months | 0.50% | — | 0.50% | $25 |
| 12 months | — | 1.00% | 1.00% | $100 |
| 24 months | — | 1.15% | 1.15% | $231 |
| 36 months | — | 1.90% | 1.90% | $581 |
Sources (3)
All captured Oct 16, 2026
Evergreen Certificate
Up to 1.60%APY · 3 terms
Allows unlimited deposits to the account throughout the term of the certificate. Membership eligibility required. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | $25 |
| 18 months | 0.75% | $113 |
| 30 months | 1.60% | $405 |
Sources (3)
All captured Oct 16, 2026
Who can join Focus 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 anyone who lives or works in Milwaukee, Waukesha, Ozaukee, or Washington Counties.
Employers and groups
- Membership is open to employees of Arandell Printing.
- Membership is open to employees of Harley-Davidson.
- Membership is open to employees of Lutheran Home.
- Membership is open to employees of Silgan Container Corp.
Military, government and schools
- Membership is open to employees of the Village of Butler.
6 more ways to join
Military, government and schools
- Membership is open to employees of Germantown Schools.
- Membership is open to employees of the Village of Germantown.
- Membership is open to employees of the Village of Menomonee Falls.
- Membership is open to employees of the City of Wauwatosa.
- Membership is open to employees of Wauwatosa Schools.
Family and household
- Membership is open to direct relatives of current members.
Membership information collected October 5, 2026.