Credit union · NCUA insured
Our Community CU CD Rates
Top CarrotOur Community CU’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Our Community CU’s CD rates compare
Compared with banks and credit unions near Aberdeen, WA, where Our Community CU has the most branches. $10,000, best rate first.
This credit union’s best
Our Community CU
3.50%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $173
Certificates of Deposit
Top rate
Timberland Bank
4.20%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $637
2nd-highest rate
1st Security Bank
4.17%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $417
Our Community CU CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo2.64%
- 31–60 months31–60 mo2.45%
- QualifiedQualified3.50%
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 Our Community CU 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 of Deposit
Up to 3.50%APY · 6 terms
Certificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Dividends are earned daily and paid monthly. Additional deposits not allowed. Certificates (excluding IRA & Promotional Certificates) are automatically renewable for your selected term if applicable. Penalties will apply to only the portion of funds withdrawn: 60 days in loss of dividends for certificates with a term of 1 year or less and 180 days in loss of dividends for terms longer than 1 year. Minimum balance to open account and minimum balance to earn the APY is $1,000. Minimum balance must remain in the account at all times.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 3.50% | $173 |
| 9 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 3.45% | $258 |
| 12 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 3.45% | $345 |
| 24 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 2.64% | $535 |
| 36 monthsMinimum balance must remain in the account at all times | 2.45% | $753 |
| 48 monthsMinimum balance must remain in the account at all times | 2.25% | $931 |
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 6 terms
Available in Traditional IRA, Roth IRA, and Education IRA. Certificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Dividends are earned daily and paid monthly. Additional deposits not allowed. Certificates (excluding IRA & Promotional Certificates) are automatically renewable for your selected term if applicable. Penalties will apply to only the portion of funds withdrawn: 60 days in loss of dividends for certificates with a term of 1 year or less and 180 days in loss of dividends for terms longer than 1 year. Minimum balance to open an IRA and earn APY is $50.00. Minimum balance must remain in the account at all times.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 3.50% | $173 |
| 9 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 3.45% | $258 |
| 12 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 3.45% | $345 |
| 24 monthsCertificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times | 2.64% | $535 |
| 36 monthsMinimum balance must remain in the account at all times | 2.45% | $753 |
| 48 monthsMinimum balance must remain in the account at all times | 2.25% | $931 |
Launch Savings Certificate
3.50%APY · 1 term
Available for ages 0-17 years. Minimum balance to open a Launch Savings Certificate and earn APY is $500.00. Minimum balance must remain in the account at all times. Certificate terms of 6 months, 9 months, 1 year, and 2 year are eligible for a one time rate bump. Dividends are earned daily and paid monthly. Additional deposits not allowed. Certificates (excluding IRA & Promotional Certificates) are automatically renewable for your selected term if applicable. Penalties will apply to only the portion of funds withdrawn: 60 days in loss of dividends for certificates with a term of 1 year or less and 180 days in loss of dividends for terms longer than 1 year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for ages 0-17 years. Eligible for a one time rate bump. Minimum balance must remain in the account at all times | 3.50% | $350 |
Sources (1)
- ourcu.com/all-rates · captured Oct 4, 2026
Who can join Our Community CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, or attending school in the state of Washington can join.
Membership information collected October 4, 2026.