Credit union · NCUA insured
Mid-Atlantic Federal Credit Union CD Rates
Mid-Atlantic Federal Credit Union’s best CD rate is 3.80% APY on a 3-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Mid-Atlantic Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Mid-Atlantic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid-Atlantic Federal Credit Union
3.80%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $94
Regular Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Mid-Atlantic Federal Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.80%
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 Mid-Atlantic 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.
Regular Certificates
Up to 3.80%APY · 9 terms
No setup or maintenance fees. Early withdrawals subject to penalty. Rate tier balance requirements apply.
| Term | APY · $250 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 month30 Day Regular Certificate | — | 3.50% | 3.50% | $29 |
| 3 months3 Month Regular Certificate | — | 3.80% | 3.80% | $94 |
| 6 months6 Month Regular Certificate | — | 3.80% | 3.80% | $188 |
| 12 months1 Year Regular Certificate | — | 3.80% | 3.80% | $380 |
| 18 months18 Month Regular Accumulator Certificate | 3.65% | — | 3.65% | $552 |
| 24 months2 Year Regular Certificate | — | 3.60% | 3.60% | $733 |
| 36 months3 Year Regular Certificate | — | 3.60% | 3.60% | $1,119 |
| 48 months4 Year Regular Certificate | — | 3.55% | 3.55% | $1,497 |
| 60 months5 Year Regular Certificate | — | 3.55% | 3.55% | $1,906 |
Special-purpose accounts
IRA Share Certificates
Up to 3.80%APY · 7 terms
Traditional and Roth IRA options. Funds can be used to purchase share certificates within IRA. $25 minimum deposit to open IRA. No setup, monthly or annual maintenance fees. Early withdrawals subject to penalty.
| Term | APY · $250 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.80% | 3.80% | $188 |
| 12 months | — | 3.80% | 3.80% | $380 |
| 18 months | 3.65% | — | 3.65% | $552 |
| 24 months | — | 3.60% | 3.60% | $733 |
| 36 months | — | 3.60% | 3.60% | $1,119 |
| 48 months | — | 3.55% | 3.55% | $1,497 |
| 60 months | — | 3.55% | 3.55% | $1,906 |
Who can join Mid-Atlantic 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, volunteer, or attend school in Montgomery County, Maryland are eligible for membership.
Employers and groups
- Businesses in Montgomery County are eligible to join and offer credit union membership as an employee benefit.
Family and household
- Immediate family members (spouse, children, parents, grandparents, grandchildren, siblings) and those living in the same household of eligible individuals are eligible for membership.
Cost to join
- A $5 deposit into a MAFCU savings account is required for membership.
Membership information collected October 4, 2026.