Credit union · NCUA insured
Gallup FCU CD Rates
Top CarrotGallup FCU’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Gallup FCU’s CD rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Gallup FCU has the most branches. $10,000, best rate first.
This credit union’s best
Gallup FCU
4.10%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $410
Loyalty CD
Top rate
Metro Credit Union
4.55%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $971
2nd-highest rate
First Westroads Bank
4.55%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,948
Gallup FCU CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.10%
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 Gallup FCU 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.
Certificates of Deposit
Up to 4.00%APY · 10 terms
Membership is open to all full- and part-time Gallup employees/associates and their immediate family members/household members.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.00% | 3.50% | 4.00% | 3.00%3.50% from $10k4.00% from $50k | $149 |
| 12 months | 3.00% | 3.50% | 4.00% | 3.00%3.50% from $10k4.00% from $50k | $300 |
| 18 months | 3.00% | 3.25% | 3.75% | 3.00%3.25% from $10k3.75% from $50k | $453 |
| 24 months | 3.25% | 3.50% | 3.75% | 3.25%3.50% from $10k3.75% from $50k | $661 |
| 30 months | 3.25% | 3.50% | 3.75% | 3.25%3.50% from $10k3.75% from $50k | $832 |
| 36 months | 3.25% | 3.50% | 3.75% | 3.25%3.50% from $10k3.75% from $50k | $1,007 |
| 42 months | — | 3.50% | 3.75% | 3.50%3.75% from $50k | $1,280 |
| 48 months | — | 3.50% | 4.00% | 3.50%4.00% from $50k | $1,475 |
| 54 months | — | 3.75% | 4.00% | 3.75%4.00% from $50k | $1,802 |
| 60 months | — | 4.00% | 4.50% | 4.00%4.50% from $50k | $2,167 |
Loyalty CD
4.10%APY · 1 term
Special Program terms and restrictions apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSpecial Program terms and restrictions apply | 4.10% | $410 |
Sources (1)
- gallupfcu.com/474518/contact-us.aspx · captured Oct 15, 2026
New Money CD
4.00%APY · 1 term
Special Program terms and restrictions apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSpecial Program terms and restrictions apply | 4.00% | $400 |
Sources (1)
- gallupfcu.com/474518/contact-us.aspx · captured Oct 15, 2026
Save to Win CD
3.10%APY · 1 term
Fixed 12-month commitment. One entry per every $25 deposit (max. 100/month) for monthly cash prize drawings; no monthly deposit limit. $25 penalty for early withdrawal; after two early withdrawals, disqualified from prize drawings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSpecial Program terms and restrictions apply | 3.10% | $310 |
Sources (2)
All captured Oct 15, 2026
Who can join Gallup FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.