Credit union · NCUA insured
KV FCU CD Rates
KV FCU’s best CD rate is 3.87% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How KV FCU’s CD rates compare
Compared with banks and credit unions near Augusta, ME, where KV FCU has the most branches. $10,000, best rate first.
This credit union’s best
KV FCU
3.87%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $789
Share Certificate
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Winthrop Area Federal Credit Union
4.28%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,331
KV FCU CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.87%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.87%
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 KV FCU 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 Certificate
Up to 3.87%APY · 8 terms
No fee to establish. Minimum balance of $500.00. Borrow against certificate available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 9 months | 3.56% | $266 |
| 12 months | 3.82% | $382 |
| 18 months | 3.82% | $578 |
| 24 months | 3.87% | $789 |
| 36 months | 3.56% | $1,106 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Special-purpose accounts
IRA Certificate
Up to 3.87%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 9 months | 3.56% | $266 |
| 12 months | 3.82% | $382 |
| 18 months | 3.82% | $578 |
| 24 months | 3.87% | $789 |
| 36 months | 3.56% | $1,106 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Who can join KV FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in Kennebec County or Somerset County.
Family and household
- Membership extends to immediate family members.
Other ways
- Membership is open to businesses and other legal entities within Kennebec County or Somerset County.
Cost to join
- Requires an initial deposit of $5.00 when establishing a Monty Moose Account.
- Requires an initial share deposit/minimum balance of at least $25.00.
Membership information collected October 4, 2026.