Credit union · NCUA insured
LM Federal Credit Union CD Rates
LM Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How LM Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where LM Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
LM Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Regular Certificate Accounts
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
LM Federal Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.00%
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 LM 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 Certificate Accounts
Up to 4.00%APY · 13 terms
Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000). Fixed rate during term. Automatically renewable. Additional deposits not permitted during term except during 7-day grace period after maturity. Monthly interest check available on accounts of $5,000 or greater.
| Term | APY · $500 – $25,000 | APY · $500 and up | APY · $500 – $24,999 | APY · $1,000 – $25,000 | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months | — | — | — | — | 2.00% | 2.00% | 2.00%2.00% from $25k | $50 |
| 3–5 months | — | — | — | 2.00% | — | 2.00% | 2.00%2.00% from $25k | $50 |
| 6 months | — | 3.60% | — | — | — | 3.60% | 3.60%3.60% from $25k | $178 |
| 6–11 months | 3.60% | — | — | — | — | 3.60% | 3.60%3.60% from $25k | $178 |
| 12 months | — | — | — | — | — | 3.50% | —3.50% from $25k | — |
| 12–17 months | — | — | — | — | — | 3.50% | —3.50% from $25k | — |
| 12 monthsMaximum balance of $24,999 | — | — | 4.00% | — | — | — | 4.00% | $400 |
| 12 monthsPromotional certificate. Limit of $24,999.99 in total promotional certificate deposits per member. May be opened in-person or by telephone. Offer expires October 16, 2026 | 4.00% | — | — | — | — | — | 4.00% | $400 |
| 13–17 months | 3.50% | — | — | — | — | — | 3.50% | $380 |
| 18 months | — | 3.40% | — | — | — | 3.40% | 3.40%3.40% from $25k | $514 |
| 18–23 months | 3.40% | — | — | — | — | 3.40% | 3.40%3.40% from $25k | $514 |
| 24 months | — | 3.15% | — | — | — | 3.15% | 3.15%3.15% from $25k | $640 |
| 24–35 months | 3.15% | — | — | — | — | 3.15% | 3.15%3.15% from $25k | $640 |
| 36 months | — | 3.15% | — | — | — | 3.15% | 3.15%3.15% from $25k | $975 |
| 36–48 months | 3.15% | — | — | — | — | 3.15% | 3.15%3.15% from $25k | $975 |
Special-purpose accounts
IRA, Roth or ESA Certificate Accounts
Up to 4.00%APY · 12 terms
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings Account (ESA) certificates. Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000; exceptions include death, disability, age 59 1/2 or RMDs, or closed within 7 days of opening). Fixed rate during term. Automatically renewable. Additional deposits permitted at any time if amount >= minimum opening requirement. No annual maintenance fees.
| Term | APY · $500 – $25,000 | APY · $500 and up | APY · $500 – $24,999 | APY · $1,000 – $25,000 | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months | — | — | — | — | 2.10% | 2.10% | 2.10%2.10% from $25k | $52 |
| 3–5 months | — | — | — | 2.10% | — | 2.10% | 2.10%2.10% from $25k | $52 |
| 6 months | — | 3.70% | — | — | — | 3.70% | 3.70%3.70% from $25k | $183 |
| 6–11 months | 3.70% | — | — | — | — | 3.70% | 3.70%3.70% from $25k | $183 |
| 12 months | — | — | — | — | — | 3.60% | —3.60% from $25k | — |
| 12–17 months | 3.60% | — | — | — | — | 3.60% | 3.60%3.60% from $25k | $360 |
| 12 monthsMaximum balance of $24,999 | — | — | 4.00% | — | — | — | 4.00% | $400 |
| 12 monthsPromotional certificate. Limit of $24,999.99 in total promotional certificate deposits per member. May be opened in-person or by telephone. Offer expires October 16, 2026 | 4.00% | — | — | — | — | — | 4.00% | $400 |
| 18 months | — | 3.50% | — | — | — | 3.50% | 3.50%3.50% from $25k | $530 |
| 18–23 months | 3.50% | — | — | — | — | 3.50% | 3.50%3.50% from $25k | $530 |
| 24 months | — | 3.25% | — | — | — | 3.25% | 3.25%3.25% from $25k | $661 |
| 24–35 months | 3.25% | — | — | — | — | 3.25% | 3.25%3.25% from $25k | $661 |
| 36 months | — | 3.25% | — | — | — | 3.25% | 3.25%3.25% from $25k | $1,007 |
| 36–48 months | 3.25% | — | — | — | — | 3.25% | 3.25%3.25% from $25k | $1,007 |
Who can join LM Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.