Credit union · NCUA insured
HAPO Community Credit Union CD Rates
HAPO Community Credit Union’s best CD rate is 4.10% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How HAPO Community Credit Union’s CD rates compare
Compared with banks and credit unions near Kennewick, WA, where HAPO Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HAPO Community Credit Union
4.10%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $621
Certificate Account
Top rate
ICCU
4.30%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,343
2nd-highest rate
STCU
4.26%APY
- Term
- 30 months
- Minimum
- $2,000
- Earns on $10,000
- $1,099
HAPO Community Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.25%
- 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 HAPO Community 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.
Certificate Account
Up to 4.10%APY · 8 terms
CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAllows additional deposits in increments of $100.00 or more up to $100,000.00 through the term. Early withdrawal penalty is 90 days dividends | 3.60% | $178 |
| 12 monthsAllows additional deposits in increments of $100.00 or more up to $100,000.00 through the term. Early withdrawal penalty is 120 days dividends | 4.00% | $400 |
| 18 monthsEarly withdrawal penalty is 120 days dividends | 4.10% | $621 |
| 24 monthsEarly withdrawal penalty is 180 days dividends | 3.80% | $774 |
| 30 monthsEarly withdrawal penalty is 180 days dividends | 3.25% | $832 |
| 36 monthsEarly withdrawal penalty is 180 days dividends | 3.25% | $1,007 |
| 48 monthsEarly withdrawal penalty is 270 days dividends | 3.25% | $1,365 |
| 60 monthsEarly withdrawal penalty is 365 days dividends | 3.25% | $1,734 |
Sources (3)
- hapo.org/hapo-about/membership/truth-in-savings
- hapo.org/loans/loan-rates
- hapo.org/personal/accounts/certificate-accounts
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.29%APY · 9 terms
IRA certificates and Time Deposit accounts are automatically renewable. Add-on deposits are permitted for IRA Time Deposit accounts. Minimum opening balance is $1.00 for Variable Rate Time Deposit and $100 for Fixed Rate IRA Certificates. Dividends are compounded and credited quarterly and at maturity.
| Term | APY · $1 and up | APY · $100 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownVariable Rate Time Deposit IRA. Allows additional deposits after account is opened. Early withdrawal penalty is 90 days dividends | 4.29% | — | 4.29% | $0 |
| 6 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 90 days dividends | — | 3.60% | 3.60% | $178 |
| 12 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 120 days dividends | — | 3.30% | 3.30% | $330 |
| 18 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 120 days dividends | — | 3.00% | 3.00% | $453 |
| 24 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 180 days dividends | — | 2.85% | 2.85% | $578 |
| 30 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 180 days dividends | — | 3.25% | 3.25% | $832 |
| 36 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 180 days dividends | — | 3.25% | 3.25% | $1,007 |
| 48 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 270 days dividends | — | 3.25% | 3.25% | $1,365 |
| 60 monthsFixed Rate IRA Certificate. Early withdrawal penalty is 365 days dividends | — | 3.25% | 3.25% | $1,734 |
Sources (2)
All captured Oct 15, 2026
Who can join HAPO Community Credit Union
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