Credit union · NCUA insured
Hoosier United Credit Union CD Rates
Hoosier United Credit Union’s best CD rate is 3.82% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 15, 2026.
How Hoosier United Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Hoosier United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hoosier United Credit Union
3.82%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $779
Share Certificates
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Hoosier United Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.24%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.82%
- QualifiedQualified3.82%
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 Hoosier United 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.
Share Certificates
Up to 3.82%APY · 4 terms
Hold a dollar amount (over $1,000) in a certificate for a term of 6, 12, 18, or 24 months and pay a fixed dividend rate every month. Dividends are paid monthly on anniversary date of opening. Minimum balance required is $1,000. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance required is $1,000. Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies | 3.24% | $161 |
| 12 monthsMinimum balance required is $1,000. Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies | 3.45% | $345 |
| 18 monthsMinimum balance required is $1,000. Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies | 3.56% | $539 |
| 24 monthsMinimum balance required is $1,000. Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies | 3.82% | $779 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Youth CD
4.27%APY · 1 term
Youth CD requirements: only eligible for members new born to 18 years old; opening balance requirement $100; maximum balance $25,000; term 12 months; accepts deposits; may be eligible for annual bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsYouth CD requirements: only eligible for members new born to 18 years old; opening balance requirement $100; maximum balance $25,000; term 12 months; accepts deposits; may be eligible for annual bonus. Fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies | 4.27% | $427 |
Sources (1)
- hoosierunitedcu.com/accounts/rates · captured Oct 15, 2026
Who can join Hoosier United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone who joins the Cooperative Financial Association (CFA) by paying a $5 membership fee.
Employers and groups
- Membership is open to employees, members, and family members of Ag One Co-Op.
- Membership is open to employees, members, and family members of Balkamp.
- Membership is open to employees, members, and family members of Brehob Electric.
- Membership is open to employees, members, and family members of CountryMark.
- Membership is open to employees, members, and family members of Cranfill Advertising.
9 more ways to join
Employers and groups
- Membership is open to employees, members, and family members of Daniels Associates.
- Membership is open to employees, members, and family members of Flint Group.
- Membership is open to employees, members, and family members of Hoosier United Credit Union.
- Membership is open to Local IBEW 481 contractors, members, employees, and family members.
- Membership is open to employees, members, and family members of employees or members of Indiana Farm Bureau, Incorporated.
- Membership is open to employees, members, and family members of employees or members of Indiana Farm Bureau Insurance Company.
- Membership is open to employees, members, and family members of Maplehurst Bakery.
- Membership is open to SMART Local 20 contractors, members, employees, and family members.
Family and household
- Membership is open to family members or friends of an existing HUCU Member.
Cost to join
- A $5 membership fee to participate in Cooperative Financial Association (CFA) qualifies an applicant for membership.
Membership information collected October 5, 2026.