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Credit union · NCUA insured

Members1st Community Credit Union CD Rates

Top Carrot, Carrot Score 89Top Carrot

Members1st Community Credit Union’s best CD rate is 4.00% APY on a 9-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 16, 2026.

How Members1st Community Credit Union’s CD rates compare

Compared with banks and credit unions near Ames, IA, where Members1st Community Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 89

    This credit union’s best

    Members1st Community Credit Union

    4.00%APY

    Term
    9 months
    Minimum
    $500
    Earns on $10,000
    $299

    Certificates of Deposit (CDs)

  • Top rate

    Fidelity Bank

    4.50%APY

    Term
    20 months
    Minimum
    $5,000
    Earns on $10,000
    $761

    Fidelity Bank rates

  • 2nd-highest rate

    Midwest Heritage

    4.50%APY

    Term
    24 months
    Minimum
    —
    Earns on $10,000
    $920

    Midwest Heritage rates

Compare CD rates near you →

Members1st Community Credit Union CD score

82

CD score

Higher than 58% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo2.53%
  • 9–15 months9–15 mo4.00%
  • 16–30 months16–30 mo3.75%
  • 31–60 months31–60 mo3.04%
  • 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.

How the score works →

Where Members1st Community 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.

Who can join Members1st Community Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Business entities with a place of business in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, or Webster counties in Iowa are eligible to join.
  • Individuals who live, attend school, worship, or work for any entity in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, and Webster counties in Iowa are eligible to join.

Family and household

  • Family members of existing members are eligible to join.

Cost to join

  • Joining requires completing and submitting a membership application along with a $5 deposit into a basic share savings account.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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