Credit union · NCUA insured
Loyalty CU CD Rates
Loyalty CU’s best CD rate is 3.62% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Loyalty CU’s CD rates compare
Compared with banks and credit unions near Pensacola, FL, where Loyalty CU has the most branches. $10,000, best rate first.
This credit union’s best
Loyalty CU
3.62%APY
- Term
- 6 months
- Minimum
- $250
- Earns on $10,000
- $179
Share Certificate
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
Loyalty CU CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.62%
- 9–15 months9–15 mo3.59%
- 16–30 months16–30 mo3.39%
- 31–60 months31–60 mo3.32%
- QualifiedQualified3.62%
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 Loyalty CU 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 3.62%APY · 7 terms
Minimum balance of $250 required. Penalty for early withdrawal applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal applies | 3.62% | $179 |
| 12 monthsPenalty for early withdrawal applies | 3.59% | $359 |
| 18 monthsPenalty for early withdrawal applies | 3.32% | $502 |
| 24 monthsPenalty for early withdrawal applies | 3.39% | $689 |
| 36 monthsPenalty for early withdrawal applies | 3.32% | $1,029 |
| 48 monthsPenalty for early withdrawal applies | 2.92% | $1,220 |
| 60 monthsPenalty for early withdrawal applies | 2.98% | $1,581 |
Special-purpose accounts
IRA Certificate
Up to 3.62%APY · 7 terms
Available as Traditional, Roth, or Education IRA. Funds can be deposited into an IRA certificate. Accumulator funds may be invested into an IRA Term Share Certificate at $250.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.62% | $179 |
| 12 months | 3.59% | $359 |
| 18 months | 3.32% | $502 |
| 24 months | 3.39% | $689 |
| 36 months | 3.32% | $1,029 |
| 48 months | 2.92% | $1,220 |
| 60 months | 2.98% | $1,581 |
Who can join Loyalty CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Citizens of Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson, and Duval counties are eligible for membership.
Cost to join
- Opening an account requires a $5.00 deposit into a savings account.
Membership information collected October 5, 2026.