Credit union · NCUA insured
Peak Credit Union CD Rates
Peak Credit Union’s best CD rate is 3.85% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Peak Credit Union’s CD rates compare
Compared with banks and credit unions near Olympia, WA, where Peak Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peak Credit Union
3.85%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $418
Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
WCLA Credit Union
4.25%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $498
Peak Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.85%
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 Peak 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
Up to 3.85%APY · 12 terms
Minimum balance to open a certificate is $500. Must be a Peak Credit Union member to qualify. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal. Automatically renews at maturity if not closed. No monthly maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 3.20% | $159 |
| 7 monthsPromotional certificate rate. Reverts to non-promotional 6-month term upon maturity. 7-day grace period applies | 3.45% | $200 |
| 12 months | 3.30% | $330 |
| 13 monthsPromotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies | 3.85% | $418 |
| 18 months | 3.25% | $491 |
| 24 months | 3.20% | $650 |
| 25 monthsPromotional certificate rate. Reverts to non-promotional 24-month term upon maturity. 7-day grace period applies | 3.85% | $819 |
| 36 months | 2.95% | $911 |
| 37 monthsPromotional certificate rate. Reverts to non-promotional 36-month term upon maturity. 7-day grace period applies | 3.45% | $1,102 |
| 48 months | 2.95% | $1,233 |
| 60 months | 2.95% | $1,565 |
Save to Win Certificate
2.40%APY · 1 term
12-month term only. Minimum opening deposit is $25. Must be 18 or over. See Washington or Oregon Official Account and Price Entry Rules for full details. 7-day grace period after maturity. Not applicable for IRA. No monthly maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-month term only. Must be 18 or older | 2.40% | $240 |
Special-purpose accounts
IRA Certificate
Up to 3.85%APY · 12 terms
Minimum balance to open an IRA certificate is $500. Traditional and Roth options available. Qualifying IRA accounts insured up to $500,000 ($250,000 via NCUA, $250,000 via Excess Share Insurance). Cannot be withdrawn and moved to a non-IRA product without potential IRS penalties. Automatically renews upon maturity if not closed. No monthly maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.10% | $27 |
| 6 months | 3.30% | $164 |
| 7 monthsPromotional certificate rate. Reverts to non-promotional 6-month term upon maturity. 7-day grace period applies | 3.45% | $200 |
| 12 months | 3.40% | $340 |
| 13 monthsPromotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies | 3.85% | $418 |
| 18 months | 3.35% | $507 |
| 24 months | 3.30% | $671 |
| 25 monthsPromotional certificate rate. Reverts to non-promotional 24-month term upon maturity. 7-day grace period applies | 3.85% | $819 |
| 36 months | 3.05% | $943 |
| 37 monthsPromotional certificate rate. Reverts to non-promotional 36-month term upon maturity. 7-day grace period applies | 3.45% | $1,102 |
| 48 months | 3.05% | $1,277 |
| 60 months | 3.05% | $1,621 |
Sources (3)
All captured Oct 4, 2026
IRA Youth Add-On Certificate
3.40%APY · 1 term
Youth certificates available for terms 3-60 months with a minimum deposit of $100. An adult must accompany a minor as a joint account owner on any minor accounts. IRA withdrawal/tax restrictions apply. No monthly maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.40% | $340 |
Youth Add-On Certificate
3.30%APY · 1 term
Youth certificates available for terms 3-60 months with a minimum deposit of $100. An adult must accompany a minor as a joint account owner on any minor accounts. No monthly maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.30% | $330 |
Who can join Peak Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible to join if you live or work in select Oregon counties: Benton, Clackamas, Coos, Crook, Deschutes, Douglas, Jackson, Jefferson, Josephine, Klamath, Lane, Linn, Marion, Multnomah, or Washington County.
- You are eligible to join if you live, work, worship, or attend school in Washington.
Family and household
- You are eligible to join if you are an immediate family or household member of a current Peak Credit Union member.
Other ways
- You are eligible to join by making a $5 charitable donation to Relay for Life or Habitat for Humanity.
Cost to join
- A $5 charitable donation to Relay for Life or Habitat for Humanity qualifies an applicant for membership.
Membership information collected October 4, 2026.