Credit union · Privately insured
MyUSA Credit Union CD Rates
MyUSA Credit Union’s best CD rate is 3.75% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MyUSA Credit Union’s CD rates compare
Compared with banks and credit unions near Dayton, OH, where MyUSA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MyUSA Credit Union
3.75%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $407
Share Certificate
Top rate
Bridge Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $553
2nd-highest rate
Treadwell Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $652
MyUSA Credit Union CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.65%
- QualifiedQualified3.75%
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 MyUSA 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 3.75%APY · 8 terms
Must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00. Early withdrawal penalties and fees may apply.
| Term | APY · Over $0 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 0.10% | — | 0.10% | $2 |
| 6–11 months | 0.25% | — | 0.25% | $12 |
| 12–23 months | 0.50% | — | 0.50% | $50 |
| 13 monthsPromotional certificate special available for a limited time during promotional period and subject to end without notice | — | 3.75% | 3.75% | $407 |
| 24–35 months | 0.50% | — | 0.50% | $100 |
| 36–47 months | 0.55% | — | 0.55% | $166 |
| 48–59 months | 0.60% | — | 0.60% | $242 |
| 60 months | 0.65% | — | 0.65% | $329 |
Who can join MyUSA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren counties is eligible for membership.
Cost to join
- A $5 opening deposit is required to open an account and become a member.
Membership information collected October 5, 2026.