Credit union · NCUA insured
Inspire Federal Credit Union CD Rates
A $397.1M credit union headquartered in Newtown, PA, with 18,153 members and 4 branches in Pennsylvania.
How Inspire Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Inspire Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Inspire Federal Credit Union
4.40%APY
- Term
- 19 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $706
IRA Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Certificates
Up to 4.40%APY · 16 terms
Available in 6-month to 60-month terms for Traditional IRA, Roth IRA, and Coverdell ESA certificates. Minimum balance of $500 to open regular or IRA certificate account and earn dividends. Certificate dividends paid quarterly. May be subject to penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 7 months | 4.20% | $243 |
| 9 months | 4.35% | $325 |
| 12 months | 4.35% | $435 |
| 13 months | 3.70% | $401 |
| 15 months | 2.50% | $313 |
| 19 months | 4.40% | $706 |
| 21 months | 2.50% | $442 |
| 24 months | 4.40% | $899 |
| 30 months | 2.50% | $637 |
| 31 months | 2.50% | $659 |
| 36 months | 3.30% | $1,023 |
| 45 months | 2.50% | $970 |
| 48 months | 3.40% | $1,431 |
| 58 months | 2.50% | $1,268 |
| 60 months | 4.40% | $2,402 |
Sources (3)
- inspirefcu.org/personal-banking/retirement-accounts
- inspirefcu.org/savings-rates
- inspirefcu.org/share-certificate-promotion
All captured Oct 6, 2026
Share Certificates
Up to 4.40%APY · 17 terms
Available in 3-month to 60-month terms. Minimum balance of $500 to open regular or IRA certificate account and earn dividends. Certificate dividends paid quarterly. May be subject to penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.90% | $72 |
| 6 months | 3.80% | $188 |
| 7 months | 4.20% | $243 |
| 9 monthsSpecial Promotion | 4.35% | $325 |
| 12 months | 4.35% | $435 |
| 13 months | 3.70% | $401 |
| 15 months | 2.50% | $313 |
| 19 months | 4.40% | $706 |
| 21 months | 2.50% | $442 |
| 24 months | 4.40% | $899 |
| 30 months | 2.50% | $637 |
| 31 months | 2.50% | $659 |
| 36 months | 3.30% | $1,023 |
| 45 months | 2.50% | $970 |
| 48 months | 3.40% | $1,431 |
| 58 months | 2.50% | $1,268 |
| 60 months | 4.40% | $2,402 |
Sources (4)
- inspirefcu.org/personal-banking/savings-accounts
- inspirefcu.org/savings-rates
- inspirefcu.org/share-certificate-promotion
- inspirefcu.org
All captured Oct 6, 2026
Who can join Inspire Federal Credit Union
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