Credit union · NCUA insured
Morehead Community Federal Credit Union CD Rates
Morehead Community Federal Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Morehead Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Kentucky, where Morehead Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Morehead Community Federal Credit Union
3.80%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $188
Share Certificate
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Morehead Community Federal Credit Union CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.49%
- 16–30 months16–30 mo3.49%
- 31–60 months31–60 mo3.34%
- 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 Morehead 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.
Share Certificate
Up to 3.80%APY · 9 terms
Minimum investment of $1,000.00. Monthly interest checks available. Can be used as collateral on a Shared Secure Loan.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.78% | $69 |
| 6 months | 3.80% | $188 |
| 7 months | 3.80% | $220 |
| 12 months | 3.49% | $349 |
| 15 months | 3.49% | $438 |
| 18 months | 3.49% | $528 |
| 24 months | 3.44% | $700 |
| 36 months | 3.34% | $1,036 |
| 48 months | 3.24% | $1,360 |
Special-purpose accounts
IRA Share Certificate
Up to 3.49%APY · 3 terms
Available as Traditional (annual contributions often tax-deductible, funds grow tax-deferred) or Roth (funds grow tax-free, no taxes upon withdrawal).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.49% | $349 |
| 24 months | 3.44% | $700 |
| 36 months | 3.34% | $1,036 |
Who can join Morehead 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This may be incomplete or out of date, so check with the credit union before you apply.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, attend school, or volunteer in specified Kentucky counties are eligible for membership.
Family and household
- Immediate family members or members of the household of someone who qualifies for membership are eligible.
Cost to join
- A one-time membership fee of $1.00 is required upon joining.
- A share deposit of $5.00 into a Primary Savings Account is required to join and represent a share in the credit union.
Membership information collected October 4, 2026.