Credit union · NCUA insured
Hello Credit Union CD Rates
Hello Credit Union’s best CD rate is 3.25% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Hello Credit Union’s CD rates compare
Compared with banks and credit unions near Panama City, FL, where Hello Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hello Credit Union
3.25%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $188
Certificates of Deposit (CD)
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Champions First Credit Union
4.30%APY
- Term
- 21 months
- Minimum
- $10,000
- Earns on $10,000
- $765
Hello Credit Union CD score
66
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.25%
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 Hello 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.
Certificates of Deposit (CD)
Up to 3.25%APY · 9 terms
Early withdrawal penalty may be assessed for early maturity and varies based on term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 2.00% | $100 |
| 7 months | 3.25% | $188 |
| 12 months | 2.75% | $275 |
| 18 months | 2.50% | $377 |
| 24 months | 2.27% | $459 |
| 36 months | 1.51% | $460 |
| 48 months | 1.76% | $723 |
| 60 months | 2.02% | $1,052 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 2.75%APY · 6 terms
Offers traditional and Roth IRA options. Early withdrawal penalty may be assessed for early maturity and varies based on term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
| 18 months | 2.50% | $377 |
| 24 months | 2.27% | $459 |
| 36 months | 1.51% | $460 |
| 48 months | 1.76% | $723 |
| 60 months | 2.02% | $1,052 |
Sources (3)
- hellocu.com/products/certificates-iras
- hellocu.com/rates/deposit-rates
- hellocu.com/products/auto-loans
All captured Sep 18, 2026
Who can join Hello Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Bay, Gulf, Jackson, Walton, Washington, Leon, Gadsden, or Wakulla County, Florida.
Employers and groups
- Membership is open to members of the Florida Agriculture Museum and the Friends of Florida State Forests, Inc.
- Membership is open to employees of select employer groups in Leon County, FL.
Military, government and schools
- Membership is open to employees or retirees of the Florida Department of Agriculture and Consumer Services (FDACS).
Family and household
- Membership is open to family members of current members.
Membership information collected October 5, 2026.