Credit union · NCUA insured
Lower Columbia FCU CD Rates
Lower Columbia FCU’s best CD rate is 3.56% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How Lower Columbia FCU’s CD rates compare
Compared with banks and credit unions near Longview, WA, where Lower Columbia FCU has the most branches. $10,000, best rate first.
This credit union’s best
Lower Columbia FCU
3.56%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $356
Share Certificates
Top rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
2nd-highest rate
Mint Valley Federal Credit Union
3.82%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $189
Lower Columbia FCU CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.04%
- QualifiedQualified3.56%
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 Lower Columbia 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 Certificates
Up to 3.56%APY · 4 terms
Minimum deposit of $500. Dividends are compounded and credited monthly. Penalty applies for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.56% | $356 |
| 18 months | 3.04% | $459 |
| 24 months | 2.89% | $586 |
Sources (4)
- lclfcu.org/allProductsServices.php · captured Sep 16, 2026
- lclfcu.org/savings-products.php · captured Sep 16, 2026
- lclfcu.org/PDFs/Certificate_Terms.pdf · captured Sep 16, 2026
- lclfcu.org/rates.php · captured Oct 8, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.56%APY · 4 terms
Minimum deposit of $500. Dividends are compounded and credited monthly. Penalty applies for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.56% | $356 |
| 18 months | 3.04% | $459 |
| 24 months | 2.89% | $586 |
Sources (2)
- lclfcu.org/PDFs/Certificate_Terms.pdf · captured Sep 16, 2026
- lclfcu.org/rates.php · captured Oct 8, 2026
Who can join Lower Columbia FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of listed participating union/employer select groups (SEGs), as well as credit union employees and board members, are eligible for membership.
Family and household
- Family members of eligible members, including grandparents, parents, spouses, siblings, grandchildren, and children (including adopted and stepchildren), are eligible for membership.
Membership information collected October 4, 2026.