Credit union · NCUA insured
Great Plains FCU CD Rates
Great Plains FCU’s best CD rate is 3.24% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Great Plains FCU’s CD rates compare
Compared with banks and credit unions near Joplin, MO-KS, where Great Plains FCU has the most branches. $10,000, best rate first.
This credit union’s best
Great Plains FCU
3.24%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $161
Certificates
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
Great Plains FCU CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.24%
- 9–15 months9–15 mo3.06%
- 16–30 months16–30 mo2.73%
- 31–60 months31–60 mo2.11%
- QualifiedQualified3.24%
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 Great Plains 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
Up to 3.24%APY · 7 terms
Standard CD early withdrawal penalties apply. Minimum balance required to earn dividends at applicable rate. Rates subject to change.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsMinimum balance required to earn dividends at applicable rate | 2.89% | 3.10% | 2.89%3.10% from $10k | $72 |
| 6 monthsMinimum balance required to earn dividends at applicable rate | 3.04% | 3.24% | 3.04%3.24% from $10k | $151 |
| 12 monthsMinimum balance required to earn dividends at applicable rate | 2.86% | 3.06% | 2.86%3.06% from $10k | $286 |
| 24 monthsMinimum balance required to earn dividends at applicable rate | 2.73% | — | 2.73% | $553 |
| 36 monthsMinimum balance required to earn dividends at applicable rate | 2.11% | — | 2.11% | $646 |
| 48 monthsMinimum balance required to earn dividends at applicable rate | 1.99% | — | 1.99% | $820 |
| 60 monthsMinimum balance required to earn dividends at applicable rate | 2.09% | — | 2.09% | $1,090 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Certificate of Deposit IRA Account
Up to 3.24%APY · 4 terms
Tax-deferred savings plan. Standard CD early withdrawal penalties apply. Depositor will receive quarterly statements. Minimum balance required to earn dividends at applicable rate. Rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance required to earn dividends at applicable rate | 3.24% | $161 |
| 12 monthsMinimum balance required to earn dividends at applicable rate | 3.06% | $306 |
| 24 monthsMinimum balance required to earn dividends at applicable rate | 2.73% | $553 |
| 36 monthsMinimum balance required to earn dividends at applicable rate | 2.11% | $646 |
Sources (2)
All captured Sep 17, 2026
Who can join Great Plains FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals living, working, worshiping, or attending schools in cities or counties where Great Plains FCU branches are located.
Employers and groups
- Membership is available to employees of employers that offer membership as a Select Employee Group (SEG).
Family and household
- Immediate family members of a member—defined as spouse, parent, grandparent, child, grandchild, or sibling (including step and adoptive relationships)—may also join.
Membership information collected October 4, 2026.