Credit union · NCUA insured
Nickel Steel Federal Credit Union CD Rates
Nickel Steel Federal Credit Union’s best CD rate is 3.35% APY on a 38-month share certificate (CD). Terms run from 7 months to 38 months. Rates checked October 16, 2026.
How Nickel Steel Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lima, OH, where Nickel Steel Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Nickel Steel Federal Credit Union
3.35%APY
- Term
- 38 months
- Minimum
- —
- Earns on $10,000
- $1,100
Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Superior Credit Union
4.20%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,284
Nickel Steel Federal Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.10%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.35%
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 Nickel Steel 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.
Certificate
Up to 3.35%APY · 5 terms
Dividends paid quarterly. Rates are subject to change without notice.
| Term | APY · Any balance | APY · $4,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 months | 1.50% | — | 1.50% | $87 |
| 7 monthsFor balances $4,000.00 and above | — | 2.50% | 2.50% | $145 |
| 14 months | 2.10% | — | 2.10% | $245 |
| 14 monthsFor balances $4,000.00 and above | — | 3.10% | 3.10% | $363 |
| 20 months | 2.15% | — | 2.15% | $361 |
| 20 monthsFor balances $4,000.00 and above | — | 3.14% | 3.14% | $529 |
| 26 months | 2.25% | — | 2.25% | $494 |
| 26 monthsFor balances $4,000.00 and above | — | 3.25% | 3.25% | $718 |
| 38 monthsFor balances $4,000.00 and above | — | 3.35% | 3.35% | $1,100 |
Sources (1)
- nickelsteelfcu.com/savings · captured Sep 17, 2026
Who can join Nickel Steel 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Open to persons who live, work, worship, volunteer, or attend school in the city of Lima, Ohio, and businesses and other legal entities located in the city of Lima, Ohio.
Employers and groups
- Open to employees and retirees of eligible companies and organizations including Whemco, Superior Forge & Steel, N & S Railroad, L.A.C.C.A (employees/clients), Frank's Drive-thru, V.F.W. Post #1911, Southside Neighborhood Assoc., International Brake, and UAW Local 975.
Military, government and schools
- Open to employees and retirees of the Ohio Army National Guard and HHFC 148th Infantry & the Family Readiness group.
Family and household
- Open to family members of eligible members, including spouse, children, parents, brothers, sisters, stepchildren, stepparents, grandchildren, and grandparents.
Cost to join
- Deposit of $25 or more in a Share Savings Account is required to join.
- $5 deposit in a Share Savings Account is required for minors to join.
Membership information collected October 5, 2026.