Credit union · NCUA insured
Instep Credit Union CD Rates
Top CarrotInstep Credit Union’s best CD rate is 3.67% APY on a 2-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Instep Credit Union’s CD rates compare
Compared with banks and credit unions near New Orleans, LA, where Instep Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Instep Credit Union
3.15%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $640
Share Certificates
Top rate
IRFCU
4.58%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $226
2nd-highest rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $920
Instep Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo2.63%
- 9–15 months9–15 mo2.89%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.15%
- QualifiedQualified3.15%
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 Instep 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 3.15%APY · 6 terms
Dividends posted monthly based on daily balance and compounded monthly. Rates subject to change at any time and not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings.
| Term | APY · $500 – $5,000 | APY · $5,000 – $15,000 | APY · $15,000 – $25,000 | APY · $25,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsMini- with balance between $5,000 and $14,999.99 | — | 2.63% | — | — | 2.63% | $65 |
| 3 monthsMinimum balance $500 - $4,999.99 | 2.38% | — | — | — | —2.38% $500–$5k | — |
| 3 monthsSuper with balance between $25,000 and $100,000 | — | — | — | 3.15% | —3.15% $25k–$100k | — |
| 3 monthswith balance between $15,000 and $24,999.99 | — | — | 2.89% | — | —2.89% $15k–$25k | — |
| 6 monthsMini- with balance between $5,000 and $14,999.99 | — | 2.63% | — | — | 2.63% | $131 |
| 6 monthsMinimum balance $500 - $4,999.99 | 2.38% | — | — | — | —2.38% $500–$5k | — |
| 6 monthsSuper with balance between $25,000 and $100,000 | — | — | — | 3.15% | —3.15% $25k–$100k | — |
| 6 monthswith balance between $15,000 and $24,999.99 | — | — | 2.89% | — | —2.89% $15k–$25k | — |
| 9 monthsMini- with balance between $5,000 and $14,999.99 | — | 2.89% | — | — | 2.89% | $216 |
| 9 monthsMinimum balance $500 - $4,999.99 | 2.63% | — | — | — | —2.63% $500–$5k | — |
| 9 monthsSuper with balance between $25,000 and $100,000 | — | — | — | 3.40% | —3.40% $25k–$100k | — |
| 9 monthswith balance between $15,000 and $24,999.99 | — | — | 3.15% | — | —3.15% $15k–$25k | — |
| 12 monthsMini- with balance between $5,000 and $14,999.99 | — | 2.89% | — | — | 2.89% | $289 |
| 12 monthsMinimum balance $500 - $4,999.99 | 2.63% | — | — | — | —2.63% $500–$5k | — |
| 12 monthsSuper with balance between $25,000 and $100,000 | — | — | — | 3.40% | —3.40% $25k–$100k | — |
| 12 monthswith balance between $15,000 and $24,999.99 | — | — | 3.15% | — | —3.15% $15k–$25k | — |
| 24 monthsMini- with balance between $5,000 and $14,999.99 | — | 3.15% | — | — | 3.15% | $640 |
| 24 monthsMinimum balance $500 - $4,999.99 | 2.89% | — | — | — | —2.89% $500–$5k | — |
| 24 monthsSuper with balance between $25,000 and $100,000 | — | — | — | 3.67% | —3.67% $25k–$100k | — |
| 24 monthswith balance between $15,000 and $24,999.99 | — | — | 3.41% | — | —3.41% $15k–$25k | — |
| 36 monthsMini- with balance between $5,000 and $14,999.99 | — | 3.15% | — | — | 3.15% | $975 |
| 36 monthsMinimum balance $500 - $4,999.99 | 2.89% | — | — | — | —2.89% $500–$5k | — |
| 36 monthsSuper with balance between $25,000 and $100,000 | — | — | — | 3.67% | —3.67% $25k–$100k | — |
| 36 monthswith balance between $15,000 and $24,999.99 | — | — | 3.41% | — | —3.41% $15k–$25k | — |
Sources (1)
- instepmembers.com/certificates-and-iras · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 2.63%APY · 4 terms
Traditional and Roth IRA options available. Dividends posted monthly based on daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum deposit $500.00; minimum balance to earn $500.00 | 2.38% | $118 |
| 12 monthsMinimum deposit $500.00; minimum balance to earn $500.00 | 2.38% | $238 |
| 24 monthsMinimum deposit $500.00; minimum balance to earn $500.00 | 2.63% | $533 |
| 36 monthsMinimum deposit $500.00; minimum balance to earn $500.00 | 2.63% | $810 |
Sources (1)
- instepmembers.com/certificates-and-iras · captured Oct 5, 2026
Who can join Instep Credit Union
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