Credit union · NCUA insured
ORIGINS CD Rates
ORIGINS’s best CD rate is 4.00% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How ORIGINS’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where ORIGINS has the most branches. $10,000, best rate first.
This credit union’s best
ORIGINS
4.00%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $502
Certificates
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
ORIGINS CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.45%
- 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 ORIGINS 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.
Certificates
Up to 4.00%APY · 12 terms
Rates effective as of October 1, 2026. Penalty may be imposed for early withdrawal. Rates will normally change every Wednesday, but are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty may be imposed for early withdrawal | 2.75% | $68 |
| 6 monthsPenalty may be imposed for early withdrawal | 3.25% | $161 |
| 9 monthsPenalty may be imposed for early withdrawal | 3.60% | $269 |
| 12 monthsPenalty may be imposed for early withdrawal | 3.50% | $350 |
| 15 monthsPenalty may be imposed for early withdrawal | 4.00% | $502 |
| 17 monthsPenalty may be imposed for early withdrawal | 4.00% | $571 |
| 18 monthsPenalty may be imposed for early withdrawal | 3.60% | $545 |
| 24 monthsPenalty may be imposed for early withdrawal | 3.55% | $723 |
| 30 monthsPenalty may be imposed for early withdrawal | 3.50% | $898 |
| 36 monthsPenalty may be imposed for early withdrawal | 3.45% | $1,071 |
| 48 monthsPenalty may be imposed for early withdrawal | 3.30% | $1,387 |
| 60 monthsPenalty may be imposed for early withdrawal | 3.20% | $1,706 |
Sources (1)
- originscu.org/savings-rates · captured Oct 5, 2026
Who can join ORIGINS
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.