Credit union · NCUA insured
Miami University Community Federal Credit Union CD Rates
Miami University Community Federal Credit Union’s best CD rate is 3.60% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Miami University Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Miami University Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Miami University Community Federal Credit Union
3.60%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,934
Certificates of Deposit (CDs)
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Miami University Community Federal Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 Miami University Community 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.
Certificates of Deposit (CDs)
Up to 3.60%APY · 7 terms
No fees to open or maintain a CD. Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months (not applicable to specials or promotions). Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.40% | $340 |
| 15 months15 Months Special. Not eligible for Silver Hawk rate bonus | 3.50% | $439 |
| 24 months | 3.45% | $702 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.60% | $1,934 |
Sources (1)
- muccu.org/checking-savings/cds · captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 3.60%APY · 7 terms
Available as Traditional or Roth IRA certificates. Rates and yields apply to both regular and IRA certificates. No fees to open or maintain a CD. Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months (not applicable to specials or promotions). Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.40% | $340 |
| 15 months15 Months Special. Not eligible for Silver Hawk rate bonus | 3.50% | $439 |
| 24 months | 3.45% | $702 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.60% | $1,934 |
Who can join Miami University Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Butler County are eligible for membership.
Membership information collected October 5, 2026.