Credit union · NCUA insured
Formation Credit Union CD Rates
Formation Credit Union’s best CD rate is 3.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Formation Credit Union’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Formation Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Formation Credit Union
3.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $325
Share Certificates
Top rate
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Formation Credit Union CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.25%
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 Formation 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 3.25%APY · 6 terms
Early withdrawal on certificates 1 year and less results in loss of dividends for 90 days or all dividends earned, whichever is less; over 1 year results in loss of dividends for 180 days or all dividends earned, whichever is less.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCalculated daily, paid at maturity | 2.75% | $68 |
| 6 monthsCalculated daily, paid at maturity, or monthly and transferred to savings or checking account | 3.00% | $149 |
| 12 monthsCalculated daily, paid monthly & transferred to savings/checking account, or paid quarterly & added to certificate | 3.25% | $325 |
| 24 monthsCalculated daily, paid monthly & transferred to savings/checking account, or paid quarterly & added to certificate | 3.00% | $609 |
| 36 monthsCalculated daily, paid monthly & transferred to savings/checking account, or paid quarterly & added to certificate | 2.75% | $848 |
| 48 monthsCalculated daily, paid monthly & transferred to savings/checking account, or paid quarterly & added to certificate | 2.50% | $1,038 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 3.25%APY · 5 terms
Early withdrawal on certificates 1 year and less results in loss of dividends for 90 days or all dividends earned, whichever is less; over 1 year results in loss of dividends for 180 days or all dividends earned, whichever is less.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCalculated daily, paid quarterly to certificate | 3.25% | $325 |
| 24 monthsCalculated daily, paid quarterly to certificate | 3.00% | $609 |
| 36 monthsCalculated daily, paid quarterly to certificate | 2.75% | $848 |
| 48 monthsCalculated daily, paid quarterly to certificate | 2.50% | $1,038 |
| 60 monthsCalculated daily, paid quarterly to certificate | 2.50% | $1,314 |
Sources (3)
All captured Sep 18, 2026
Who can join Formation Credit Union
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