Credit union · NCUA insured
OC Federal Credit Union CD Rates
OC Federal Credit Union’s best CD rate is 4.25% APY on a 3-month share certificate (CD). Terms run from 3 months to 66 months. Rates checked October 17, 2026.
How OC Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where OC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OC Federal Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Share Certificate Special
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
OC Federal Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.65%
- QualifiedQualified4.10%
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 OC 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.
Share Certificate Special
Up to 4.25%APY · 3 terms
Promotional rate excluded from Member Appreciation Program. Early withdrawal penalty may be imposed. Renews at current rate upon maturity. Membership share of $5.00 required.
| Term | APY · Any balance | APY · Up to $250,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsPromotional rate is accurate as of October 1, 2026 and is excluded from the Member Appreciation Program. This rate applies only $25,000 or more in new funds to the credit union. Promotion available through October 31, 2026 | — | — | 4.25% | —4.25% from $25k | — |
| 6 monthsOnline only through Member Service Center (not available in branches). Limited to residents of Richland County, Ohio, targeted through Google Ads. Must initially apply for standard 6-month certificate; rate increased once residency is verified. Excluded from Member Appreciation Program and not available to Business or Catholic Organizations. Valid beginning June 10, 2025 | — | 4.25% | — | 4.25% | $210 |
| 6 monthsPromotional rate accurate as of October 1, 2026; available through October 31, 2026. Excluded from Member Appreciation Program. Requires minimum deposit of $500 | 4.10% | — | — | 4.10% | $203 |
| 12 monthsPromotional rate accurate as of October 1, 2026; available through October 31, 2026. Excluded from Member Appreciation Program. Requires minimum deposit of $500 | 4.00% | — | — | 4.00% | $400 |
Sources (3)
- ocfederal.com/bank/certificates
- ocfederal.com/bank/msc-certificate
- ocfederal.com/bank/certificate-special
All captured Oct 16, 2026
Share Certificate
Up to 4.10%APY · 10 terms
Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsBasic Membership. Available only for Digital Branch customers funding transactional accounts via ACH | 2.00% | $5 |
| 3 monthsBasic Membership | 3.85% | $95 |
| 3 monthsPremium Membership (Basic + 10 bps) | 3.95% | $97 |
| 3 monthsPremiumPlus Membership (Basic + 25 bps) | 4.10% | $101 |
| 6 monthsBasic Membership | 3.75% | $186 |
| 6 monthsPremium Membership (Basic + 10 bps) | 3.85% | $191 |
| 6 monthsPremiumPlus Membership (Basic + 25 bps) | 4.00% | $198 |
| 12 monthsBasic Membership | 3.55% | $355 |
| 12 monthsPremium Membership (Basic + 10 bps) | 3.65% | $365 |
| 12 monthsPremiumPlus Membership (Basic + 25 bps) | 3.80% | $380 |
| 18 monthsBasic Membership | 2.25% | $339 |
| 18 monthsPremium Membership (Basic + 10 bps) | 2.35% | $355 |
| 18 monthsPremiumPlus Membership (Basic + 25 bps) | 2.50% | $377 |
| 24 monthsBasic Membership | 2.00% | $404 |
| 24 monthsPremium Membership (Basic + 10 bps) | 2.10% | $424 |
| 24 monthsPremiumPlus Membership (Basic + 25 bps) | 2.25% | $455 |
| 36 monthsBasic Membership | 1.75% | $534 |
| 36 monthsPremium Membership (Basic + 10 bps) | 1.85% | $565 |
| 36 monthsPremiumPlus Membership (Basic + 25 bps) | 2.00% | $612 |
| 48 monthsBasic Membership | 1.75% | $719 |
| 48 monthsPremium Membership (Basic + 10 bps) | 1.85% | $761 |
| 48 monthsPremiumPlus Membership (Basic + 25 bps) | 2.00% | $824 |
| 60 monthsBasic Membership | 2.40% | $1,259 |
| 60 monthsPremium Membership (Basic + 10 bps) | 2.50% | $1,314 |
| 60 monthsPremiumPlus Membership (Basic + 25 bps) | 2.65% | $1,397 |
| 66 monthsBasic Membership | 2.40% | $1,393 |
| 66 monthsPremium Membership (Basic + 10 bps) | 2.50% | $1,455 |
| 66 monthsPremiumPlus Membership (Basic + 25 bps) | 2.65% | $1,547 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificate Special
4.00%APY · 1 term
Limited-time IRA Certificate Special. Requires new money from outside sources. Subject to applicable IRA eligibility and account requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires minimum $10,000 deposit of new money from outside sources. If balance falls below $10,000, no dividend will be earned for that period. Promotional rate accurate as of October 1, 2026; offer valid through September 30, 2026 | 4.00% | $400 |
Sources (1)
- ocfederal.com/bank/ira · captured Oct 16, 2026
Who can join OC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Joining the Ohio Catholic Foundation makes you eligible for membership if your primary residence is in the state of Ohio.
Military, government and schools
- Any member, employee, and student of a Catholic Diocese in the state of Ohio (including its parishes, schools, services, ministries, organizations, or entities) whose primary residence is in Ohio is eligible.
Family and household
- Immediate family or household members of an eligible OC Federal member who have their primary residence in Ohio are eligible.
Cost to join
- Membership requires a $5 minimum opening deposit to a Share Savings account.
Membership information collected October 5, 2026.