Credit union · NCUA insured
On The Grid Financial CD Rates
On The Grid Financial’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How On The Grid Financial’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where On The Grid Financial has the most branches. $10,000, best rate first.
This credit union’s best
On The Grid Financial
3.75%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $375
Fixed Rate Share Certificate Account
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
On The Grid Financial CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.75%
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 On The Grid Financial 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.
Fixed Rate Share Certificate Account
Up to 3.75%APY · 6 terms
Dividends are compounded and credited quarterly. Stated terms range from six months to five years with no monthly fees. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.50% | $173 |
| 12 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.75% | $375 |
| 24 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.25% | $661 |
| 36 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.00% | $927 |
| 48 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.25% | $1,365 |
| 60 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.25% | $1,734 |
Sources (3)
- cuonthegrid.com/rates
- cuonthegrid.com/checking-savings/certificates
- cuonthegrid.com/wp-content/upl…ee_Schedule-09.16.26.pdf
All captured Sep 19, 2026
Special-purpose accounts
Fixed Rate IRA Certificate Account
Up to 3.75%APY · 6 terms
Available as Traditional or Roth IRA options. Dividends compounded and credited quarterly. Terms from six months to five years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.50% | $173 |
| 12 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.75% | $375 |
| 24 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.25% | $661 |
| 36 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.00% | $927 |
| 48 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.25% | $1,365 |
| 60 monthsDividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00 | 3.25% | $1,734 |
Sources (3)
- cuonthegrid.com/rates
- cuonthegrid.com/checking-savings/iras
- cuonthegrid.com/wp-content/upl…ee_Schedule-09.16.26.pdf
All captured Sep 19, 2026
Who can join On The Grid Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- People within the electric utilities industry in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, or Virginia are eligible for membership.
- Persons retired as pensioners or annuitants from the electric utilities industry in eligible states are eligible for membership.
- Employees or members of eligible Select Employee Groups qualify for membership.
Family and household
- Members of immediate family or household of eligible electric utilities industry persons/retirees qualify for membership.
- Spouses of persons who passed away while within the credit union's field of membership qualify for membership.
Other ways
- Organizations of eligible persons qualify for membership.
Membership information collected October 4, 2026.