Credit union · NCUA insured
MY CREDIT UNION CD Rates
MY CREDIT UNION’s best CD rate is 4.70% APY on a 27-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How MY CREDIT UNION’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where MY CREDIT UNION has the most branches. $10,000, best rate first.
This credit union’s best
MY CREDIT UNION
4.65%APY
- Term
- 27 months
- Minimum
- $500
- Earns on $10,000
- $1,077
Share Certificates
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
MY CREDIT UNION CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo1.06%
- 9–15 months9–15 mo4.13%
- 16–30 months16–30 mo4.65%
- 31–60 months31–60 mo4.44%
- QualifiedQualified4.65%
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 MY 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 4.65%APY · 8 terms
Must maintain $5 in Membership Share Account for credit union membership eligibility. Dividends paid quarterly. Early withdrawal penalty may apply.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.00% | 1.06% | 1.11% | 1.00%1.06% from $10k1.11% from $25k | $50 |
| 12 months | 1.41% | 1.46% | 1.51% | 1.41%1.46% from $10k1.51% from $25k | $141 |
| 15 monthsCertificate of Deposit Special | 4.07% | 4.13% | 4.18% | 4.07%4.13% from $10k4.18% from $25k | $511 |
| 24 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $25k | $779 |
| 27 monthsCertificate of Deposit Special | 4.59% | 4.65% | 4.70% | 4.59%4.65% from $10k4.70% from $25k | $1,062 |
| 36 months | 3.88% | 3.93% | 3.98% | 3.88%3.93% from $10k3.98% from $25k | $1,210 |
| 48 months | 4.23% | 4.28% | 4.33% | 4.23%4.28% from $10k4.33% from $25k | $1,802 |
| 60 months | 4.39% | 4.44% | 4.49% | 4.39%4.44% from $10k4.49% from $25k | $2,396 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.65%APY · 8 terms
Rate is locked in on the date of purchase and guaranteed until maturity. Funds withdrawn prior to maturity may be subject to early withdrawal penalty. Available for Traditional and Roth IRAs, as well as SEP plans.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.00% | 1.06% | 1.11% | 1.00%1.06% from $10k1.11% from $25k | $50 |
| 12 months | 1.41% | 1.46% | 1.51% | 1.41%1.46% from $10k1.51% from $25k | $141 |
| 15 monthsCertificate of Deposit Special | 4.07% | 4.13% | 4.18% | 4.07%4.13% from $10k4.18% from $25k | $511 |
| 24 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $25k | $779 |
| 27 monthsCertificate of Deposit Special | 4.59% | 4.65% | 4.70% | 4.59%4.65% from $10k4.70% from $25k | $1,062 |
| 36 months | 3.88% | 3.93% | 3.98% | 3.88%3.93% from $10k3.98% from $25k | $1,210 |
| 48 months | 4.23% | 4.28% | 4.33% | 4.23%4.28% from $10k4.33% from $25k | $1,802 |
| 60 months | 4.39% | 4.44% | 4.49% | 4.39%4.44% from $10k4.49% from $25k | $2,396 |
Sources (2)
All captured Oct 5, 2026
Who can join MY CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to persons who live, worship, attend school, volunteer, or work in businesses and other legal entities located in 15 specified Minnesota counties.
Employers and groups
- Eligible to members and volunteers of the Bloomington Crime Prevention Association, Bloomington, MN.
- Eligible to members of the National Cosmetology Association of Minnesota.
- Eligible to members, volunteers, and donors of MY CREDIT UNION Community Foundation.
Family and household
- Eligible to members of the same household, spouse, blood, or adoptive relatives of any regularly qualified member and their spouse.
Membership information collected October 4, 2026.