Credit union · NCUA insured
Lion's Share Federal Credit Union CD Rates
Top CarrotLion's Share Federal Credit Union’s best CD rate is 1.56% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Lion's Share Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Lion's Share Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lion's Share Federal Credit Union
1.56%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $78
Regular Share Certificates
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Lion's Share Federal Credit Union CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo1.56%
- 9–15 months9–15 mo1.26%
- 16–30 months16–30 mo1.21%
- 31–60 months31–60 mo1.00%
- QualifiedQualified1.56%
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 Lion's Share 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.
Regular Share Certificates
Up to 1.56%APY · 6 terms
Dividends paid quarterly or monthly on average daily balance; minimum opening balance $500. Early withdrawal penalty applies (90 days dividends). Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$500 Minimum Balance. Early withdrawal penalty: 90 days dividends | 1.56% | $78 |
| 12 months$500 Minimum Balance. Early withdrawal penalty: 90 days dividends | 1.26% | $126 |
| 18 months$500 Minimum Balance. Early withdrawal penalty: 90 days dividends | 1.21% | $182 |
| 24 months$500 Minimum Balance. Early withdrawal penalty: 90 days dividends | 1.10% | $221 |
| 36 months$500 Minimum Balance. Early withdrawal penalty: 90 days dividends | 1.00% | $303 |
| 48 months$500 Minimum Balance. Early withdrawal penalty: 90 days dividends | 0.95% | $385 |
Add-On Cert.
1.26%APY · 1 term
Add more funds anytime. $500 minimum balance. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdd more funds anytime; $500 Minimum Balance | 1.26% | $126 |
Sources (1)
- lionsharecu.org/rates · captured Oct 15, 2026
Bump-Up Cert.
1.10%APY · 1 term
Option to raise rate once per term if rates increase. $500 minimum balance. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsOption to raise rate once per term, if rates increase. $500 Minimum Balance | 1.10% | $221 |
Sources (1)
- lionsharecu.org/rates · captured Oct 15, 2026
Mini Jumbo Cert.
0.95%APY · 1 term
$10,000 minimum balance. Early withdrawal penalty: 90 days dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months$10,000 Minimum Balance. Early withdrawal penalty: 90 days dividends | 0.95% | $484 |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates (Traditional/ROTH)
Up to 3.65%APY · 2 terms
Available as Traditional & Roth IRA Share Certificates. Minimum opening deposit $500. Early withdrawal penalties may apply. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$500 Minimum Balance. Traditional & Roth. Rates effective 09/21/2026 | 3.55% | $355 |
| 24 months$500 Minimum Balance. Traditional & Roth. Rates effective 09/21/2026 | 3.65% | $743 |
Who can join Lion's Share Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone not qualifying through partner employers can become eligible for membership by making a $15 donation to the Carolinas Credit Union League Foundation.
Employers and groups
- Open to all employees and retirees of Ahold Delhaize USA, Food Lion, and GIANT Food Stores.
- Open to employees of partner employers participating in the Select Employer Group (SEG) program.
Family and household
- Open to immediate family members of Ahold Delhaize USA, Food Lion, and GIANT Food Stores employees and retirees.
Cost to join
- Opening a Membership Savings Account with a $25 deposit is required to complete the membership application and become an owner.
- A $15 donation to the Carolinas Credit Union League Foundation provides eligibility for membership for those who do not qualify through partner employers.
Membership information collected October 4, 2026.