Credit union · NCUA insured
Fox Valley Credit Union CD Rates
Top CarrotFox Valley Credit Union’s best CD rate is 4.08% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Fox Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Fox Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fox Valley Credit Union
4.08%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $408
Term Certificates or Certificates of Deposit
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
Fox Valley Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo1.31%
- 31–60 months31–60 mo1.61%
- QualifiedQualified4.08%
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 Fox Valley 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 Certificates or Certificates of Deposit
Up to 4.08%APY · 7 terms
The minimum deposit to open a CD is $500. There is a penalty for early withdrawal, and fees could reduce both earnings and principle on the account.
| Term | APY · Up to $50,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends paid monthly | — | 1.00% | 1.00% | $50 |
| 12 monthsDividends paid monthly | — | 1.11% | 1.11% | $111 |
| 12 monthsLimited time promotional rate; maximum deposit of $50,000 per member; penalty for early withdrawal | 4.08% | — | 4.08% | $408 |
| 18 monthsDividends paid monthly | — | 1.21% | 1.21% | $182 |
| 24 monthsDividends paid monthly | — | 1.31% | 1.31% | $264 |
| 36 monthsDividends paid monthly | — | 1.41% | 1.41% | $429 |
| 48 monthsDividends paid monthly | — | 1.51% | 1.51% | $618 |
| 60 monthsDividends paid monthly | — | 1.61% | 1.61% | $831 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificates
Up to 1.87%APY · 7 terms
Available with a minimum deposit of $500; subject to penalties upon early withdrawal which may reduce principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly | 1.26% | $63 |
| 12 monthsDividends paid monthly | 1.36% | $136 |
| 18 monthsDividends paid monthly | 1.46% | $220 |
| 24 monthsDividends paid monthly | 1.56% | $314 |
| 36 monthsDividends paid monthly | 1.66% | $506 |
| 48 monthsDividends paid monthly | 1.76% | $723 |
| 60 monthsDividends paid monthly | 1.87% | $971 |
Sources (2)
All captured Oct 6, 2026
Who can join Fox Valley 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 individuals who live or work in Aurora, Montgomery, or Kendall County.
Employers and groups
- Membership is open to employees of several Select Employer Groups (SEGs), including Burlington Northern Santa-Fe Railway and The Dial Corporation (and their affiliates).
Family and household
- Family members (defined as mother, father, brother, sister, children) of members can join even if living outside the area.
Cost to join
- An initial and minimum share deposit into a savings account is required for membership.
Membership information collected October 5, 2026.