Credit union · Privately insured
Friends and Family Credit Union CD Rates
Friends and Family Credit Union’s best CD rate is 4.00% APY on an 18-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Friends and Family Credit Union’s CD rates compare
Compared with banks and credit unions near Canton, OH, where Friends and Family Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Friends and Family Credit Union
4.00%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $606
Share Certificates
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Community Bank
4.44%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $947
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.00%APY · 8 terms
Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFamily Advantage Bronze tier | 3.50% | $173 |
| 6 monthsFamily Advantage Gold tier | 3.60% | $178 |
| 6 monthsFamily Advantage Platinum tier | 3.70% | $183 |
| 6 monthsFamily Advantage Silver tier | 3.55% | $176 |
| 9 monthsFamily Advantage Bronze tier | 3.55% | $265 |
| 9 monthsFamily Advantage Gold tier | 3.65% | $273 |
| 9 monthsFamily Advantage Platinum tier | 3.75% | $280 |
| 9 monthsFamily Advantage Silver tier | 3.60% | $269 |
| 12 monthsFamily Advantage Bronze tier | 3.55% | $355 |
| 12 monthsFamily Advantage Gold tier | 3.65% | $365 |
| 12 monthsFamily Advantage Platinum tier | 3.75% | $375 |
| 12 monthsFamily Advantage Silver tier | 3.60% | $360 |
| 18 monthsFamily Advantage Bronze tier | 3.80% | $575 |
| 18 monthsFamily Advantage Gold tier | 3.90% | $591 |
| 18 monthsFamily Advantage Platinum tier | 4.00% | $606 |
| 18 monthsFamily Advantage Silver tier | 3.85% | $583 |
| 24 monthsFamily Advantage Bronze tier | 3.80% | $774 |
| 24 monthsFamily Advantage Gold tier | 3.90% | $795 |
| 24 monthsFamily Advantage Platinum tier | 4.00% | $816 |
| 24 monthsFamily Advantage Silver tier | 3.85% | $785 |
| 36 monthsFamily Advantage Bronze tier | 3.75% | $1,168 |
| 36 monthsFamily Advantage Gold tier | 3.85% | $1,200 |
| 36 monthsFamily Advantage Platinum tier | 3.95% | $1,232 |
| 36 monthsFamily Advantage Silver tier | 3.80% | $1,184 |
| 48 monthsFamily Advantage Bronze tier | 3.75% | $1,587 |
| 48 monthsFamily Advantage Gold tier | 3.85% | $1,631 |
| 48 monthsFamily Advantage Platinum tier | 3.95% | $1,676 |
| 48 monthsFamily Advantage Silver tier | 3.80% | $1,609 |
| 60 monthsFamily Advantage Bronze tier | 3.75% | $2,021 |
| 60 monthsFamily Advantage Gold tier | 3.85% | $2,079 |
| 60 monthsFamily Advantage Platinum tier | 3.95% | $2,137 |
| 60 monthsFamily Advantage Silver tier | 3.80% | $2,050 |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 8 terms
Traditional, Roth, & Educational IRAs available. Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $100 minimum deposit required to open an IRA. Early withdrawal penalties by the IRS may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFamily Advantage Bronze tier | 3.50% | $173 |
| 6 monthsFamily Advantage Gold tier | 3.60% | $178 |
| 6 monthsFamily Advantage Platinum tier | 3.70% | $183 |
| 6 monthsFamily Advantage Silver tier | 3.55% | $176 |
| 9 monthsFamily Advantage Bronze tier | 3.55% | $265 |
| 9 monthsFamily Advantage Gold tier | 3.65% | $273 |
| 9 monthsFamily Advantage Platinum tier | 3.75% | $280 |
| 9 monthsFamily Advantage Silver tier | 3.60% | $269 |
| 12 monthsFamily Advantage Bronze tier | 3.55% | $355 |
| 12 monthsFamily Advantage Gold tier | 3.65% | $365 |
| 12 monthsFamily Advantage Platinum tier | 3.75% | $375 |
| 12 monthsFamily Advantage Silver tier | 3.60% | $360 |
| 18 monthsFamily Advantage Bronze tier | 3.80% | $575 |
| 18 monthsFamily Advantage Gold tier | 3.90% | $591 |
| 18 monthsFamily Advantage Platinum tier | 4.00% | $606 |
| 18 monthsFamily Advantage Silver tier | 3.85% | $583 |
| 24 monthsFamily Advantage Bronze tier | 3.80% | $774 |
| 24 monthsFamily Advantage Gold tier | 3.90% | $795 |
| 24 monthsFamily Advantage Platinum tier | 4.00% | $816 |
| 24 monthsFamily Advantage Silver tier | 3.85% | $785 |
| 36 monthsFamily Advantage Bronze tier | 3.75% | $1,168 |
| 36 monthsFamily Advantage Gold tier | 3.85% | $1,200 |
| 36 monthsFamily Advantage Platinum tier | 3.95% | $1,232 |
| 36 monthsFamily Advantage Silver tier | 3.80% | $1,184 |
| 48 monthsFamily Advantage Bronze tier | 3.75% | $1,587 |
| 48 monthsFamily Advantage Gold tier | 3.85% | $1,631 |
| 48 monthsFamily Advantage Platinum tier | 3.95% | $1,676 |
| 48 monthsFamily Advantage Silver tier | 3.80% | $1,609 |
| 60 monthsFamily Advantage Bronze tier | 3.75% | $2,021 |
| 60 monthsFamily Advantage Gold tier | 3.85% | $2,079 |
| 60 monthsFamily Advantage Platinum tier | 3.95% | $2,137 |
| 60 monthsFamily Advantage Silver tier | 3.80% | $2,050 |
Who can join Friends and Family Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Stark County, Ohio, is eligible for membership.
Family and household
- Family (or immediate family) of current credit union members are eligible to join.
Cost to join
- There are no fees to join; a share deposit of $5.00 or more in a savings account is required.
Membership information collected October 5, 2026.