Credit union · NCUA insured
OE Federal Credit Union CD Rates
OE Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How OE Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where OE Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OE Federal Credit Union
4.00%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $198
Share Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
OE Federal Credit Union CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 OE 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 Certificates
Up to 4.00%APY · 8 terms
No setup fees. Minimum initial deposit is $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compound monthly. Early withdrawal penalty applies (3 to 5 months: 30 days of dividends) | 3.75% | $92 |
| 6 monthsDividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends) | 4.00% | $198 |
| 12 monthsTax Deferred Certificate. Compounding at maturity. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends) | 4.00% | $400 |
| 18 monthsDividends compound monthly. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends) | 4.00% | $606 |
| 24 monthsDividends compound monthly. Early withdrawal penalty applies (24 to 47 months: 150 days of dividends) | 3.50% | $712 |
| 36 monthsDividends compound monthly. Early withdrawal penalty applies (24 to 47 months: 150 days of dividends) | 3.50% | $1,087 |
| 48 monthsDividends compound monthly. Early withdrawal penalty applies (48 + months: 180 days of dividends) | 3.50% | $1,475 |
| 60 monthsDividends compound monthly. Early withdrawal penalty applies (48 + months: 180 days of dividends) | 3.50% | $1,877 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 8 terms
Offers Traditional and Roth IRA Certificate options. Minimum to earn dividends is $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compound monthly. Early withdrawal penalty applies (3 to 5 months: 30 days of dividends) | 3.75% | $92 |
| 6 monthsDividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends) | 4.00% | $198 |
| 12 monthsTax Deferred Certificate. Compounding at maturity. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends) | 4.00% | $400 |
| 18 monthsDividends compound monthly. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends) | 4.00% | $606 |
| 24 monthsDividends compound monthly. Early withdrawal penalty applies (24 to 47 months: 150 days of dividends) | 3.50% | $712 |
| 36 monthsDividends compound monthly. Early withdrawal penalty applies (24 to 47 months: 150 days of dividends) | 3.50% | $1,087 |
| 48 monthsDividends compound monthly. Early withdrawal penalty applies (48 + months: 180 days of dividends) | 3.50% | $1,475 |
| 60 monthsDividends compound monthly. Early withdrawal penalty applies (48 + months: 180 days of dividends) | 3.50% | $1,877 |
Sources (1)
- oefederal.org/plan/certificates/ira-certificate · captured Oct 16, 2026
Coverdell Educational Share Certificate
Up to 3.75%APY · 8 terms
Requires a Coverdell Educational Savings Account (ESA) with $50 opening deposit and Shares Regular Savings Account with $1 opening deposit. $1,000 minimum deposit to start. Up to $2,000 contribution per child per year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.75% | $92 |
| 6 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.75% | $186 |
| 12 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.75% | $375 |
| 18 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.50% | $530 |
| 24 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.25% | $661 |
| 36 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.00% | $927 |
| 48 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.00% | $1,255 |
| 60 monthsDividends compound monthly. Penalty assessed for early withdrawal | 3.25% | $1,734 |
Sources (1)
- oefederal.org/plan/certificate…cation-share-certificate · captured Oct 16, 2026
Who can join OE Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.