Credit union · NCUA insured
Oxford Federal Credit Union CD Rates
Top CarrotOxford Federal Credit Union’s best CD rate is 4.30% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Oxford Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Oxford Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oxford Federal Credit Union
4.30%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,343
Share Certificates
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Oxford Federal Credit Union CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 Oxford 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 4.30%APY · 7 terms
Membership eligibility required. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) Share Certificates rates are available by phone.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 2.25% | — | 2.25% | $56 |
| 6–11 months | — | 4.00% | 4.00% | $198 |
| 12–23 months | — | 4.10% | 4.10% | $410 |
| 24–35 months | — | 4.15% | 4.15% | $847 |
| 36–47 months | — | 4.20% | 4.20% | $1,314 |
| 48–59 months | — | 4.25% | 4.25% | $1,811 |
| 60 months | — | 4.30% | 4.30% | $2,343 |
Special-purpose accounts
IRA Certificates
Up to 4.30%APY · 7 terms
Membership eligibility required. Traditional and Roth IRAs available. No annual fees. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) IRA Share Certificates rates are available by phone.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 2.25% | — | 2.25% | $56 |
| 6–11 months | — | 4.00% | 4.00% | $198 |
| 12–23 months | — | 4.10% | 4.10% | $410 |
| 24–35 months | — | 4.15% | 4.15% | $847 |
| 36–47 months | — | 4.20% | 4.20% | $1,314 |
| 48–59 months | — | 4.25% | 4.25% | $1,811 |
| 60 months | — | 4.30% | 4.30% | $2,343 |
Who can join Oxford Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York County in Maine.
Family and household
- Eligible if you are an immediate family member of someone who is already an OFCU member.
- Eligible if you share a residence with someone who is already an OFCU member.
Cost to join
- A $5 minimum deposit is required to open a Share Savings account.
Membership information collected October 4, 2026.