Credit union · NCUA insured
P&S Credit Union CD Rates
Top CarrotP&S Credit Union’s best CD rate is 4.10% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How P&S Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where P&S Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
P&S Credit Union
4.10%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,225
Share One-Time Bump Certificates of Deposit
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
P&S Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 P&S 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 One-Time Bump Certificates of Deposit
Up to 4.10%APY · 7 terms
Minimum deposit $500. Terms 6 months to 5 years. One time dividend rate increase (bump) allowed during term upon request to the prevailing regular certificate rate of same term length. Not automatically renewed to bump option; at maturity renews to a Regular Certificate of same term length without bump option unless withdrawn during 10-day grace period. Early withdrawal penalty applies. Dividends compounded quarterly, paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOne-time bump option; automatic renewal to regular certificate | 3.85% | $191 |
| 12 monthsOne-time bump option; automatic renewal to regular certificate | 3.90% | $390 |
| 18 monthsOne-time bump option; automatic renewal to regular certificate | 3.90% | $591 |
| 24 monthsOne-time bump option; automatic renewal to regular certificate | 3.95% | $806 |
| 36 monthsOne-time bump option; automatic renewal to regular certificate | 4.00% | $1,249 |
| 48 monthsOne-time bump option; automatic renewal to regular certificate | 4.05% | $1,721 |
| 60 monthsOne-time bump option; automatic renewal to regular certificate | 4.10% | $2,225 |
Sources (2)
All captured Sep 16, 2026
Share Certificates of Deposit
Up to 4.00%APY · 7 terms
Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAutomatic renewal | 3.95% | $196 |
| 12 monthsAutomatic renewal | 3.90% | $390 |
| 18 monthsAutomatic renewal | 3.80% | $575 |
| 24 monthsAutomatic renewal | 4.00% | $816 |
| 36 monthsAutomatic renewal | 4.00% | $1,249 |
| 48 monthsAutomatic renewal | 3.95% | $1,676 |
| 60 monthsAutomatic renewal | 3.85% | $2,079 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
12 Month Certificate-STUDENT Accounts
5.00%APY · 1 term
Student accounts only. Automatic renewal. Paid at end of term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsStudent accounts; automatic renewal | 5.00% | $500 |
Sources (1)
- pandscu.org/share-rates · captured Sep 16, 2026
Christmas Club Certificate
4.25%APY
Automatic renewal. Minimum $5 deposit. Paid at end of term. Early withdrawal penalty applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatic renewalAny balance | 4.25% | $425 | Automatic renewal |
Sources (1)
- pandscu.org/share-rates · captured Sep 16, 2026
IRA Certificates of Deposit
Up to 4.00%APY · 7 terms
Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500. IRA certificate wrapper.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAutomatic renewal | 3.95% | $196 |
| 12 monthsAutomatic renewal | 3.90% | $390 |
| 18 monthsAutomatic renewal | 3.80% | $575 |
| 24 monthsAutomatic renewal | 4.00% | $816 |
| 36 monthsAutomatic renewal | 4.00% | $1,249 |
| 48 monthsAutomatic renewal | 3.95% | $1,676 |
| 60 monthsAutomatic renewal | 3.85% | $2,079 |
Who can join P&S 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 residents of Salt Lake County.
Employers and groups
- Membership is open to Boilermakers & Welders Local #182.
- Membership is open to former employees and their family of Elias Morris & Sons Co. (EMSCO).
- Membership is open to Heat & Frost Insulators Local #69.
- Membership is open to Iron Workers Local #27.
- Membership is open to U.A. Local 140 Pipefitters, Plumbers, HVAC & R.
4 more ways to join
Military, government and schools
- Membership serves Utah Career Center.
- Membership is open to Utah Prison Employees (Former UPECU Credit Union Members).
Family and household
- Membership is open to family members of current members.
- Membership is open to family members of Local Union members.
Cost to join
- A $25 Share (Savings) Account deposit is required to establish membership.
Membership information collected October 4, 2026.