Credit union · NCUA insured
Harvest Federal Credit Union CD Rates
Harvest Federal Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Harvest Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where Harvest Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Harvest Federal Credit Union
3.50%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $350
Certificate of Deposit
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,802
Harvest Federal Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.50%
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 Harvest 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.
Certificate of Deposit
Up to 3.50%APY · 7 terms
Fixed annual percentage yield for the entire term. $500 minimum balance required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days’ dividends for terms less than 36 months | 1.25% | $62 |
| 12 monthsEarly withdrawal penalty of 90 days’ dividends for terms less than 36 months | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty of 90 days’ dividends for terms less than 36 months | 1.70% | $256 |
| 24 monthsEarly withdrawal penalty of 90 days’ dividends for terms less than 36 months | 1.75% | $353 |
| 36 monthsEarly withdrawal penalty of 180 days’ dividends for terms 36 months or longer | 2.00% | $612 |
| 48 monthsEarly withdrawal penalty of 180 days’ dividends for terms 36 months or longer | 2.25% | $931 |
| 60 monthsEarly withdrawal penalty of 180 days’ dividends for terms 36 months or longer | 2.50% | $1,314 |
Sources (1)
- harvestfcu.org/Rates · captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 2.50%APY · 5 terms
Fixed annual percentage yield for the entire term. $500 minimum balance required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsEarly withdrawal penalty of 90 days’ dividends for terms less than 36 months | 1.70% | $256 |
| 24 monthsEarly withdrawal penalty of 90 days’ dividends for terms less than 36 months | 1.75% | $353 |
| 36 monthsEarly withdrawal penalty of 180 days’ dividends for terms 36 months or longer | 2.00% | $612 |
| 48 monthsEarly withdrawal penalty of 180 days’ dividends for terms 36 months or longer | 2.25% | $931 |
| 60 monthsEarly withdrawal penalty of 180 days’ dividends for terms 36 months or longer | 2.50% | $1,314 |
Sources (1)
- harvestfcu.org/Rates · captured Sep 18, 2026
Who can join Harvest Federal Credit Union
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