Credit union · NCUA insured
Owensboro Federal Credit Union CD Rates
Owensboro Federal Credit Union’s best CD rate is 4.07% APY on a 9-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How Owensboro Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Owensboro, KY, where Owensboro Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Owensboro Federal Credit Union
4.07%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $304
Certificate of Desposit
Top rate
Liberty FCU
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Owensboro Federal Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo0.40%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo0.70%
- QualifiedQualified4.07%
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 Owensboro 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.
Certificate of Desposit
Up to 4.07%APY · 7 terms
Rates subject to change weekly. Penalty applies for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: All Interest Accrued. Rates subject to change weekly | 0.25% | $6 |
| 6 monthsEarly withdrawal penalty: All Interest Accrued. Rates subject to change weekly | 0.40% | $20 |
| 9 monthsEarly withdrawal penalty: 90 Day Interest Penalty. Rates subject to change weekly | 4.07% | $304 |
| 12 monthsEarly withdrawal penalty: 90 Day Interest Penalty. Rates subject to change weekly | 0.50% | $50 |
| 18 monthsEarly withdrawal penalty: 90 Day Interest Penalty. Rates subject to change weekly | 0.50% | $75 |
| 24 monthsEarly withdrawal penalty: 90 Day Interest Penalty. Rates subject to change weekly | 0.60% | $120 |
| 36 monthsEarly withdrawal penalty: 90 Day Interest Penalty. Rates subject to change weekly | 0.70% | $211 |
Sources (1)
- ofcuonline.com/rates/deposit-rates · captured Sep 19, 2026
Who can join Owensboro Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of 80 Special Employee Groups in Daviess County and the Owensboro and Madisonville areas are eligible for membership.
Family and household
- Anyone in the immediate family of an Owensboro Federal Credit Union member is eligible for membership.
Membership information collected October 4, 2026.