Credit union · NCUA insured
FRB Federal Credit Union CD Rates
Top CarrotFRB Federal Credit Union’s best CD rate is 4.08% APY on a 1-year share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 22, 2026.
How FRB Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FRB Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FRB Federal Credit Union
4.08%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $408
Term Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
FRB Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.89%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo3.46%
- 31–60 months31–60 mo3.41%
- 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 FRB 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.
Term Certificates
Up to 4.08%APY · 8 terms
Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of the lesser of 90 days dividends or dividends earned since issuance/renewal | 3.89% | $193 |
| 12 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 4.08% | $408 |
| 24 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.46% | $704 |
| 36 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $1,058 |
| 48 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $1,435 |
| 60 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $1,825 |
| 72 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $2,229 |
| 84 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $2,646 |
Sources (1)
- frbfcu.org/term-share-certificates · captured Oct 3, 2026
Special-purpose accounts
IRA Term Certificates
Up to 4.08%APY · 8 terms
Available as Traditional IRA or Roth IRA invested in Term Certificates. Dividends are paid at maturity, quarterly, annually, or custom. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of the lesser of 90 days dividends or dividends earned since issuance/renewal | 3.89% | $193 |
| 12 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 4.08% | $408 |
| 24 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.46% | $704 |
| 36 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $1,058 |
| 48 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $1,435 |
| 60 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $1,825 |
| 72 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $2,229 |
| 84 monthsEarly withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal | 3.41% | $2,646 |
Who can join FRB Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of contractors for the Federal Reserve System.
- Membership is open to employees of the credit union.
Military, government and schools
- Membership is open to current and retired members, officers, and employees of the Federal Reserve Board.
- Membership is open to current and retired employees of Federal Reserve Banks.
- Membership is open to officers and employees of the Bureau of Consumer Financial Protection.
Family and household
- Membership is open to immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, adoptive children, stepchildren, domestic partners) or permanent household members of eligible members who qualify directly and were not sponsored themselves.
1 more way to join
Other ways
- Membership is open to organizations of eligible members.
Membership information collected October 4, 2026.