Credit union · NCUA insured
Jefferson Credit Union CD Rates
Jefferson Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Jefferson Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Jefferson Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Jefferson Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
Prosperity Certificate of Deposit
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Jefferson Credit Union CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo2.75%
- 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 Jefferson 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.
Prosperity Certificate of Deposit
Up to 3.50%APY · 7 terms
Minimum balance to open and maintain certificate account; dividends paid monthly. Dividends on Prosperity Certificates of Deposit cap at $999,999.99. Rates are subject to change without notice.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm 3 months; minimum $5,000 balance required to earn rate | — | 2.00% | 2.00% | $50 |
| 6 monthsTerm 6 months; minimum $500 balance required to earn rate | 3.50% | — | 3.50% | $173 |
| 12 monthsTerm 12 months; minimum $500 balance required to earn rate | 3.25% | — | 3.25% | $325 |
| 18 monthsTerm 18 months; minimum $500 balance required to earn rate | 2.75% | — | 2.75% | $415 |
| 24 monthsTerm 24 months; minimum $500 balance required to earn rate | 2.50% | — | 2.50% | $506 |
| 36 monthsTerm 36 months; minimum $500 balance required to earn rate | 2.25% | — | 2.25% | $690 |
| 60 monthsTerm 60 months; minimum $500 balance required to earn rate | 2.50% | — | 2.50% | $1,314 |
Sources (1)
- jeffersoncreditunion.org/rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates—Trad., Roth, Edu.
Up to 3.18%APY · 2 terms
Traditional, Roth, and Coverdell Education Savings accounts. Separately insured by NCUA up to $250,000 per member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to open and maintain certificate account is $100.00. Dividend payment frequency is monthly | 3.18% | $318 |
| 60 monthsMinimum balance to open and maintain certificate account is $100.00. Dividend payment frequency is monthly | 2.43% | $1,276 |
Sources (2)
All captured Oct 5, 2026
Who can join Jefferson Credit Union
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