Credit union · NCUA insured
Fremont Federal Credit Union CD Rates
Top CarrotFremont Federal Credit Union’s best CD rate is 5.10% APY on a 7-year share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 16, 2026.
How Fremont Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fremont, OH, where Fremont Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
Share Certificates
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
Croghan Colonial Bank
4.18%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,272
Fremont Federal Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.40%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.65%
- 31–60 months31–60 mo4.90%
- QualifiedQualified4.90%
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 Fremont 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.
Share Certificates
Up to 5.10%APY · 9 terms
Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.40% | $218 |
| 12 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.50% | $450 |
| 18 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.55% | $690 |
| 24 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.60% | $941 |
| 30 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.65% | $1,203 |
| 36 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.70% | $1,477 |
| 48 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.80% | $2,063 |
| 60 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 4.90% | $2,702 |
| 84 monthsMinimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit | 5.10% | $4,165 |
Sources (2)
All captured Oct 6, 2026
Freedom Certificate
4.70%APY · 1 term
Features include a one-time additional deposit and a one-time rate change/bump during the term with no penalty. Minimum deposit to open is $5,000.00. Term: 36 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsAllows one rate change and one-time additional deposit during the term with no penalty. Minimum daily balance to earn dividends is $5,000.00 | 4.70% | $1,477 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificates
Up to 5.10%APY · 9 terms
Available in terms of 6 months to 7 years (84 months) under Traditional and Roth IRA options. Minimum opening deposit is $1,000. Rates and APYs match regular share certificates.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.40% | — | 4.40% | $218 |
| 12 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.50% | — | 4.50% | $450 |
| 18 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.55% | — | 4.55% | $690 |
| 24 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.60% | — | 4.60% | $941 |
| 30 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.65% | — | 4.65% | $1,203 |
| 36 months36 Month Freedom Certificate option for IRAs. Minimum deposit and balance $5,000.00 | — | 4.70% | 4.70% | $1,477 |
| 36 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.70% | — | 4.70% | $1,477 |
| 48 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.80% | — | 4.80% | $2,063 |
| 60 monthsMinimum daily balance to earn dividends is $1,000.00 | 4.90% | — | 4.90% | $2,702 |
| 84 monthsMinimum daily balance to earn dividends is $1,000.00 | 5.10% | — | 5.10% | $4,165 |
Sources (3)
- fremontfcu.com/checking-and-sa…dual-retirement-accounts
- fremontfcu.com/checking-and-sa…-accounts/share-accounts
- fremontfcu.com/rates
All captured Oct 6, 2026
Cha-Ching Club Share Certificate
4.70%APY · 1 term
36 Month term. Minimum deposit $500 for Cha-Ching Teen Club members. Applies standard 36-month share certificate rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months36 Month Cha-Ching Club Term. $500 min opening deposit for Cha-Ching Teen Club members | 4.70% | $1,477 |
Sources (1)
- fremontfcu.com/checking-and-sa…-accounts/share-accounts · captured Oct 6, 2026
Who can join Fremont Federal 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, work, worship, volunteer, or attend school in Sandusky, Ottawa, Seneca, Wood, Hancock, Lucas, or Fulton Counties.
Family and household
- Membership is open to individuals who have family members who are existing Fremont Federal Credit Union members.
Membership information collected October 5, 2026.