Credit union · NCUA insured
Marine Federal Credit Union CD Rates
Top CarrotMarine Federal Credit Union’s best CD rate is 4.33% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Marine Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Jacksonville, NC, where Marine Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Marine Federal Credit Union
3.92%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $227
Share Certificates
Top rate
State Employees' Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Marine Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.92%
- 9–15 months9–15 mo3.09%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.92%
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 Marine 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.
Share Certificates
Up to 3.92%APY · 9 terms
Dividends compound and credit monthly using the Average Daily Balance method. Penalties may apply for early withdrawals. Accrued dividends will not be paid if account is closed before the end of the dividend period.
| Term | APY · Up to $3,000 | APY · $1,000 and up | APY · Over $3,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsAutomatic renewal | — | 0.75% | — | — | 0.75% | $19 |
| 6 monthsAutomatic renewal | — | 0.75% | — | — | 0.75% | $37 |
| 7 monthsAuto-renews to 12-Month certificate | — | 3.92% | — | — | 3.92% | $227 |
| 12 months52-Week Challenge certificate tier for balances $1–$3,000. Automatic renewal | 4.33% | — | — | — | —4.33% $1–$3k | — |
| 12 months52-Week Challenge certificate tier for balances $3,000.01+. Automatic renewal | — | — | 0.25% | — | 0.25% | $25 |
| 12 monthsAutomatic renewal | — | 3.09% | — | — | 3.09% | $309 |
| 12 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.14% | —3.14% from $100k | — |
| 18 monthsAutomatic renewal | — | 3.56% | — | — | 3.56% | $539 |
| 24 monthsAutomatic renewal | — | 3.25% | — | — | 3.25% | $661 |
| 24 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.30% | —3.30% from $100k | — |
| 36 monthsAutomatic renewal | — | 3.35% | — | — | 3.35% | $1,039 |
| 36 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.40% | —3.40% from $100k | — |
| 48 monthsAutomatic renewal | — | 3.40% | — | — | 3.40% | $1,431 |
| 48 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.45% | —3.45% from $100k | — |
| 60 monthsAutomatic renewal | — | 3.45% | — | — | 3.45% | $1,848 |
| 60 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.51% | —3.51% from $100k | — |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.92%APY · 9 terms
Traditional and Roth IRA certificate options available. Dividends compound and credit monthly using the Average Daily Balance method. Penalties may apply for early withdrawals. Accrued dividends will not be paid if account is closed before the end of the dividend period.
| Term | APY · Up to $3,000 | APY · $1,000 and up | APY · Over $3,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsAutomatic renewal | — | 0.75% | — | — | 0.75% | $19 |
| 6 monthsAutomatic renewal | — | 0.75% | — | — | 0.75% | $37 |
| 7 monthsAuto-renews to 12-Month certificate | — | 3.92% | — | — | 3.92% | $227 |
| 12 months52-Week Challenge certificate tier for balances $1–$3,000. Automatic renewal | 4.33% | — | — | — | —4.33% $1–$3k | — |
| 12 months52-Week Challenge certificate tier for balances $3,000.01+. Automatic renewal | — | — | 0.25% | — | 0.25% | $25 |
| 12 monthsAutomatic renewal | — | 3.09% | — | — | 3.09% | $309 |
| 12 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.14% | —3.14% from $100k | — |
| 18 monthsAutomatic renewal | — | 3.56% | — | — | 3.56% | $539 |
| 24 monthsAutomatic renewal | — | 3.25% | — | — | 3.25% | $661 |
| 24 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.30% | —3.30% from $100k | — |
| 36 monthsAutomatic renewal | — | 3.35% | — | — | 3.35% | $1,039 |
| 36 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.40% | —3.40% from $100k | — |
| 48 monthsAutomatic renewal | — | 3.40% | — | — | 3.40% | $1,431 |
| 48 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.45% | —3.45% from $100k | — |
| 60 monthsAutomatic renewal | — | 3.45% | — | — | 3.45% | $1,848 |
| 60 monthsJumbo certificate tier. Automatic renewal | — | — | — | 3.51% | —3.51% from $100k | — |
Sources (3)
All captured Sep 19, 2026
Who can join Marine Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of registered partner business affiliates or organizations are eligible for membership.
Military, government and schools
- Dependents or dependent survivors of the U.S. Armed Forces who are eligible to receive services or benefits from MCB Camp Lejeune, MCAS New River (Jacksonville, NC), or MCB Quantico (Virginia) are eligible to join.
- Military personnel, Department of Defense (DOD), and Non-Appropriated Fund Civilians associated with MCB Camp Lejeune, MCAS New River (Jacksonville, NC), or MCB Quantico (Virginia) are eligible to join.
Family and household
- Immediate family members (related by blood, marriage, or adoption) or household members of employees of recognized business affiliates are eligible to join.
- Direct family members (by blood, marriage, or adoption) or regular household members of qualifying active or retired military personnel are eligible to join.
Other ways
- Commercial entities, local businesses, and civic groups can join as corporate members.
1 more way to join
Other ways
- Applicants who do not meet military, family, or business affiliate criteria can qualify for membership by making a $25.00 donation to the Marine Corps Scholarship Foundation (MCSF).
Cost to join
- A $25.00 charitable donation to the Marine Corps Scholarship Foundation (MCSF) is required when qualifying via the MCSF membership path.
Membership information collected October 4, 2026.