Credit union · NCUA insured
Johns Hopkins Credit Union CD Rates
Top CarrotJohns Hopkins Credit Union’s best CD rate is 4.20% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Johns Hopkins Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Johns Hopkins Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Johns Hopkins Credit Union
4.20%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $384
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Johns Hopkins Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.48%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.43%
- 31–60 months31–60 mo3.51%
- QualifiedQualified4.20%
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 Johns Hopkins 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 4.20%APY · 7 terms
Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.48% | $173 |
| 11 months | 4.20% | $384 |
| 12 months | 3.73% | $373 |
| 24 months | 3.43% | $698 |
| 36 months | 3.51% | $1,090 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.40% | $1,820 |
Jumbo Certificates
Up to 3.76%APY · 6 terms
Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.48% | — |
| 12 months | 3.76% | — |
| 24 months | 3.56% | — |
| 36 months | 3.58% | — |
| 48 months | 3.32% | — |
| 60 months | 3.50% | — |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/share-ira-certificates
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 4.23%APY · 7 terms
No annual fees. Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 11 months | 4.23% | $387 |
| 12 months | 3.75% | $375 |
| 24 months | 3.45% | $702 |
| 36 months | 3.52% | $1,094 |
| 48 months | 3.26% | $1,369 |
| 60 months | 3.42% | $1,831 |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/share-ira-certificates
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Rollover Share Certificate
3.52%APY · 1 term
Available for IRA proceeds transferred from another IRA custodian only. Inherited IRAs are ineligible for deposit. Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsAvailable for IRA proceeds transferred from another IRA custodian only (Inherited IRAs are ineligible) | 3.52% | $533 |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/share-ira-certificates
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Who can join Johns Hopkins Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Census Tract 2605.01 in Baltimore City, Maryland are eligible for membership.
Employers and groups
- Employees and retirees of Johns Hopkins Hospitals, Johns Hopkins Health System, and named affiliated health institutions and entities are eligible for membership.
- Employees and retirees of eligible affiliated companies, contractors, and partner groups (including Aramark under contract for JHU Mt. Washington Conference Center Campus; Believe in Tomorrow Children’s House at Johns Hopkins; Canton Tower at 1501 S. Clinton St, Baltimore; Carnegie Institution of Washington; Community of Science; COPT Defense Properties; Dome Corporation; Howard Hughes Medical Institute of JHMI; Kennedy Krieger Institute; Keswick Multi-Care Center; Lieber Institute for Brain Development; Lifestar Response of Maryland in/paid from Annapolis Junction, MD; Paragon Biomedical Services, Inc.; Patient First at Greenspring Station; PinnacleCare; Potomac Home Health Care; Potomac Home Support; Professional Placement Resources for JH employees; Resolution Health, Inc. Columbia, MD location only; Space Telescope Science Institute; Transwestern Employees @ Mt. Washington Campus; Universal Protection Service / Allied Universal under regular contract for JHU and Peabody Institute in Baltimore, MD) are eligible for membership.
Military, government and schools
- Individuals currently employed by or retired from specified affiliated educational institutions and organizations (Henderson-Hopkins School; Independent College Fund of Maryland; Maryland Independent College and University Association, Inc.; Maryland Institute, College of Art; Mount Saint Mary's University; Washington College) are eligible for membership.
- All employees on the Bayview Medical Campus, including NIA, NIH, NIDA, and NHGRI, are eligible for membership.
- Employees, students, and retirees of Johns Hopkins University, as well as members of the Johns Hopkins University Alumni Association, are eligible for membership.
3 more ways to join
Military, government and schools
- Employees and students of the Peabody Institute of The Johns Hopkins University (and retirees) are eligible for membership.
- Employees and students of SAIS (Johns Hopkins School of Advanced International Studies) (and retirees) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, step-children, parents, step-parents, grandparents, grandchildren, brothers, sisters, and step-siblings) and household members of an eligible individual are eligible to join.
Cost to join
- Depositing $1 establishes part-ownership in the credit union.
Membership information collected October 4, 2026.