Credit union · NCUA insured
MERHO Federal Credit Union CD Rates
MERHO Federal Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How MERHO Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Johnstown, PA, where MERHO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MERHO Federal Credit Union
4.06%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $406
Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
S&T Bank
4.25%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,330
MERHO Federal Credit Union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo1.26%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo1.26%
- QualifiedQualified4.06%
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 MERHO 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 4.06%APY · 3 terms
Minimum deposit on all Share Certificates is $500.00. Share Certificates will automatically renew for the original term at the stated rate in effect at the time of renewal. Early withdrawal penalties: For terms less than one year, penalty equivalent to one month's accrued interest; for terms of one year or more, penalty equivalent to three months of accrued interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.26% | $63 |
| 12 months | 4.06% | $406 |
| 24 months | 1.26% | $254 |
Sources (1)
- merhofcu.org/dividend-rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 4.06%APY · 3 terms
Minimum deposit on all Share Certificates/IRA certificates is $500.00. Available as Traditional, Roth, and Educational IRAs. IRA certificates will automatically renew for the original term at the stated rate in effect at the time of renewal. Early withdrawal penalties: For terms of one year or more, penalty equivalent to three months of accrued interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.26% | $63 |
| 12 months | 4.06% | $406 |
| 24 months | 1.26% | $254 |
Who can join MERHO 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 designated partner employer and community organizations are eligible for membership.
Military, government and schools
- Staff and students of Bishop McCort High School are eligible for membership.
- Employees of Conemaugh School of Nursing are eligible for membership.
- Employees of Mt Aloysius College are eligible for membership.
Family and household
- Immediate family members of employees of qualifying sponsor groups are eligible for membership.
Membership information collected October 5, 2026.