Credit union · NCUA insured
Nova Credit Union CD Rates
Top CarrotNova Credit Union’s best CD rate is 3.55% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Nova Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Nova Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Nova Credit Union
3.29%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $669
Certificate Account
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Nova Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.24%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.29%
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 Nova 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 Account
Up to 3.29%APY · 4 terms
Certificate rates subject to change without notice; penalty applied for early withdrawal of funds; additional deposits not allowed; renewable automatically. NCUA insured up to $250,000.
| Term | APY · $500 – $50,000 | APY · $500 and up | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsCompounded quarterly, credited quarterly (calendar). Daily balance method. Automatically renewable | 2.78% | — | 3.03% | 3.28% | 2.78%3.03% $50k–$100k3.28% from $100k | $138 |
| 12 monthsCompounded quarterly, credited quarterly (calendar). Daily balance method. Automatically renewable | 3.24% | — | 3.39% | 3.55% | 3.24%3.39% $50k–$100k3.55% from $100k | $324 |
| 24 monthsCompounded quarterly, credited quarterly (calendar). Daily balance method. Automatically renewable | — | 3.29% | — | — | 3.29% | $669 |
| 36 monthsCompounded quarterly, credited quarterly (calendar). Daily balance method. Automatically renewable | — | 3.04% | — | — | 3.04% | $940 |
Sources (2)
All captured Oct 15, 2026
Who can join Nova Credit Union
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