Credit union · NCUA insured
OAS Federal Credit Union CD Rates
OAS Federal Credit Union’s best CD rate is 3.10% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How OAS Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where OAS Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OAS Federal Credit Union
3.05%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $305
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
OAS Federal Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo2.63%
- 31–60 months31–60 mo2.63%
- QualifiedQualified3.05%
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 OAS 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.
Regular Share Certificates
Up to 3.05%APY · 8 terms
Fixed dividend rate. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly. Auto-renews at maturity with a 10-day grace period. No monthly service fees.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividend rate 2.75%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 2.79% | — | 2.79% | $139 |
| 6 monthsJumbo rate. Dividend rate 2.80%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 2.84% | —2.84% from $100k | — |
| 12 monthsDividend rate 3.00%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 3.05% | — | 3.05% | $305 |
| 12 monthsJumbo rate. Dividend rate 3.05%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 3.10% | —3.10% from $100k | — |
| 18 monthsDividend rate 2.45%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 2.48% | — | 2.48% | $374 |
| 18 monthsJumbo rate. Dividend rate 2.50%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 2.53% | —2.53% from $100k | — |
| 24 monthsDividend rate 2.60%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 2.63% | — | 2.63% | $533 |
| 24 monthsJumbo rate. Dividend rate 2.65%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 2.69% | —2.69% from $100k | — |
| 30 monthsDividend rate 2.40%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 2.43% | — | 2.43% | $619 |
| 30 monthsJumbo rate. Dividend rate 2.45%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 2.48% | —2.48% from $100k | — |
| 36 monthsDividend rate 2.45%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 2.48% | — | 2.48% | $763 |
| 36 monthsJumbo rate. Dividend rate 2.50%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 2.53% | —2.53% from $100k | — |
| 48 monthsDividend rate 2.50%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 2.53% | — | 2.53% | $1,051 |
| 48 monthsJumbo rate. Dividend rate 2.55%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 2.58% | —2.58% from $100k | — |
| 60 monthsDividend rate 2.60%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | 2.63% | — | 2.63% | $1,386 |
| 60 monthsJumbo rate. Dividend rate 2.65%. Compounded daily, credited quarterly. Early withdrawal penalty may apply | — | 2.69% | —2.69% from $100k | — |
Share Certificates
Up to 3.05%APY · 8 terms
Fixed dividend rate. Early withdrawal penalties apply. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period. No monthly service fees. NCUA insured up to $250,000.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 2.79% | — | 2.79% | $139 |
| 6 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 2.84% | —2.84% from $100k | — |
| 12 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 3.05% | — | 3.05% | $305 |
| 12 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 3.10% | —3.10% from $100k | — |
| 18 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 2.48% | — | 2.48% | $374 |
| 18 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 2.53% | —2.53% from $100k | — |
| 24 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 2.63% | — | 2.63% | $533 |
| 24 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 2.69% | —2.69% from $100k | — |
| 30 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 2.43% | — | 2.43% | $619 |
| 30 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 2.48% | —2.48% from $100k | — |
| 36 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 2.48% | — | 2.48% | $763 |
| 36 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 2.53% | —2.53% from $100k | — |
| 48 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 2.53% | — | 2.53% | $1,051 |
| 48 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 2.58% | —2.58% from $100k | — |
| 60 monthsEarly withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | 2.63% | — | 2.63% | $1,386 |
| 60 monthsJumbo rate for deposits of $100,000 or more. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period | — | 2.69% | —2.69% from $100k | — |
Sources (4)
- oasfcu.org
- oasfcu.org/apply/share-certificates
- oasfcu.org/bank/savings-accounts
- oasfcu.org/bank/savings-accounts/share-certificates
All captured Oct 15, 2026
Step-Up Share Certificates
Up to 2.38%APY · 4 terms
The dividend rate in effect at opening is fixed for the term unless the account holder requests a rate increase after the certificate has been open for at least 12 months. Early withdrawal penalty may apply. Dividends compounded daily, credited quarterly.
| Term | APY · $2,500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 monthsDividend rate 2.35%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly | 2.38% | — | 2.38% | $482 |
| 24 monthsJumbo rate. Dividend rate 2.40%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly | — | 2.43% | —2.43% from $100k | — |
| 36 monthsDividend rate 2.20%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly | 2.22% | — | 2.22% | $681 |
| 36 monthsJumbo rate. Dividend rate 2.25%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly | — | 2.28% | —2.28% from $100k | — |
| 48 monthsDividend rate 2.25%. Rate increase permitted twice after certificate has been open for at least 12 months. Compounded daily, credited quarterly | 2.28% | — | 2.28% | $944 |
| 48 monthsJumbo rate. Dividend rate 2.30%. Rate increase permitted twice after certificate has been open for at least 12 months. Compounded daily, credited quarterly | — | 2.33% | —2.33% from $100k | — |
| 60 monthsDividend rate 2.35%. Rate increase permitted twice after certificate has been open for at least 12 months. Compounded daily, credited quarterly | 2.38% | — | 2.38% | $1,248 |
| 60 monthsJumbo rate. Dividend rate 2.40%. Rate increase permitted twice after certificate has been open for at least 12 months. Compounded daily, credited quarterly | — | 2.43% | —2.43% from $100k | — |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Certificates
2.48%APY · 1 term
Available to U.S. citizens or legal residents with a valid Social Security Number. Requires an active Traditional IRA. Fixed 36-month term with early withdrawal penalty. Rate increase requests permitted one time after certificate has been open for at least 12 months. Dividends compounded daily, credited quarterly.
| Term | APY · $2,500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsDividend rate 2.45%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly | 2.48% | — | 2.48% | $763 |
| 36 monthsJumbo rate. Dividend rate 2.50%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly | — | 2.53% | —2.53% from $100k | — |
Who can join OAS Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.