Credit union · NCUA insured
Kit Federal Credit Union CD Rates
Kit Federal Credit Union’s best CD rate is 4.30% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Kit Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Kit Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kit Federal Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $321
Share Certificates
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Kit Federal Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.14%
- QualifiedQualified4.30%
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 Kit Federal 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 4.30%APY · 9 terms
Early withdrawal penalty applies and may reduce earnings. Rates are fixed for the term. Dividends compound and credit quarterly. Average Daily Balance calculation method.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | 3.29% | — | 3.29% | $163 |
| 9 monthsCertificate Special. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | — | 4.30% | 4.30% | $321 |
| 12 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | 3.24% | — | 3.24% | $324 |
| 15 monthsCertificate Special. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | — | 4.20% | 4.20% | $528 |
| 18 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | 3.24% | — | 3.24% | $490 |
| 24 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | 3.29% | — | 3.29% | $669 |
| 36 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | 3.14% | — | 3.14% | $972 |
| 48 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | 3.14% | — | 3.14% | $1,316 |
| 60 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate | 3.03% | — | 3.03% | $1,610 |
Special-purpose accounts
IRA Share Certificates
Up to 4.30%APY · 9 terms
Traditional, Roth and Education IRA Share Certificates available. Early withdrawal penalty applies and may reduce earnings. Rates are fixed for the term. Dividends compound and credit quarterly. Average Daily Balance calculation method.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | 3.29% | — | 3.29% | $163 |
| 9 monthsCertificate Special. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | — | 4.30% | 4.30% | $321 |
| 12 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | 3.24% | — | 3.24% | $324 |
| 15 monthsCertificate Special. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | — | 4.20% | 4.20% | $528 |
| 18 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | 3.24% | — | 3.24% | $490 |
| 24 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | 3.29% | — | 3.29% | $669 |
| 36 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | 3.14% | — | 3.14% | $972 |
| 48 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | 3.14% | — | 3.14% | $1,316 |
| 60 monthsStandard Certificate. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate. Available for IRA Certificates | 3.03% | — | 3.03% | $1,610 |
Sources (3)
All captured Oct 22, 2026
Who can join Kit Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school in Jefferson County.
Family and household
- Immediate family of Kit members are eligible to join.
Cost to join
- Membership is established by opening a Primary Savings account with a minimum $5 deposit.
Membership information collected October 4, 2026.