Credit union · NCUA insured
LGWFCU CD Rates
Top CarrotLGWFCU’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How LGWFCU’s CD rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where LGWFCU has the most branches. $10,000, best rate first.
This credit union’s best
LGWFCU
3.75%APY
- Term
- 6 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $186
Share Certificate
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
LGWFCU CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.75%
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 LGWFCU 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 3.75%APY · 6 terms
All yields quoted are subject to change without notice. Penalty for early withdrawal of certificates: 90 days dividend. The penalty could be more than the dividends and therefore come from the principal of the certificate. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 24 months | 3.00% | $609 |
| 36 months36 month share certificate has one-time option to bump up to higher interest rate | 2.25% | $690 |
| 48 months | 2.25% | $931 |
| 60 months | 2.25% | $1,177 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 3.55%APY · 5 terms
Convenient terms starting at just 12 months. Low minimum balance of just $1,000. Dividends compounded and paid monthly. All yields quoted are subject to change without notice. Penalty for early withdrawal of certificates: 90 days dividend. The penalty could be more than the dividends and therefore come from the principal of the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 24 months | 3.05% | $619 |
| 36 months36 month IRA certificate has one-time option to bump up to higher interest rate | 2.30% | $706 |
| 48 months | 2.30% | $952 |
| 60 months | 2.30% | $1,204 |
Sources (3)
All captured Oct 5, 2026
Who can join LGWFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Memphis Light, Gas & Water employees are eligible to join LGWFCU.
- Memphis Light, Gas & Water retirees are eligible to join LGWFCU.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships) of Memphis Light, Gas & Water employees and retirees are eligible to join LGWFCU.
Membership information collected October 5, 2026.