Credit union · NCUA insured
Moonlight FCU CD Rates
Moonlight FCU’s best CD rate is 4.06% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Moonlight FCU’s CD rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Moonlight FCU has the most branches. $10,000, best rate first.
This credit union’s best
Moonlight FCU
4.06%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,726
Certificates of Deposit
Top rate
Tri Boro Federal Credit Union
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
2nd-highest rate
First Federal of Greene or FFGC
4.35%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $435
Moonlight FCU CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo4.06%
- 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 Moonlight FCU 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
Up to 4.06%APY · 5 terms
CDs require a $500.00 minimum investment/deposit. Terms range from 6 months to 4 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.03% | $151 |
| 12 months | 3.29% | $329 |
| 24 months | 3.55% | $722 |
| 36 months | 3.80% | $1,185 |
| 48 months | 4.06% | $1,726 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 4.06%APY · 5 terms
Shared CD & IRA rate schedule; 12 Month Youth CD explicitly notes IRA does not apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.03% | $151 |
| 12 months | 3.29% | $329 |
| 24 months | 3.55% | $722 |
| 36 months | 3.80% | $1,185 |
| 48 months | 4.06% | $1,726 |
Sources (1)
- moonlightfcu.com/deposit-rates · captured Sep 17, 2026
Youth Certificates
3.29%APY · 1 term
Youth certificate special with a $250.00 minimum deposit; IRA does not apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSpecial - $250 minimum; IRA does not apply | 3.29% | $329 |
Sources (2)
All captured Sep 17, 2026
Who can join Moonlight FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to businesses and other legal entities in Armstrong County.
- Membership is open to persons who live in Armstrong County.
- Membership is open to persons who attend school in Armstrong County.
- Membership is open to persons who regularly work in Armstrong County.
- Membership is open to persons who worship in Armstrong County.
Family and household
- Membership is open to persons who are members of the immediate family of a member of the credit union.
Cost to join
- A minimum share deposit of $1.00 is required at the time the account is opened.
Membership information collected October 5, 2026.