Credit union · NCUA insured
Pelican Credit Union CD Rates
Pelican Credit Union’s best CD rate is 3.28% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked November 14, 2026.
How Pelican Credit Union’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 12-month CD
Pelican Credit Union
3.28%APY
- Minimum
- $500
- Earns on $10,000
- $328
Share Certificates
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Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
3.28%APY · 6 terms
Pelican membership required (join from $15). Fixed dividend rate locked for the initial term once the application is received and funded (mail funding uses the funded date). Dividends compounded and posted monthly; withdrawal of dividends reduces earnings. Additional deposits not allowed during the term; remaining balance after any withdrawal must be at least $500. Early withdrawal penalty is 40% of total dividends that would have been earned over the full term (requests in writing). Automatically renewable with a 10-day grace period after maturity. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6-month Share Certificate. Dividend rate 3.23%; APY 3.28%. Minimum opening balance $500. Rate locked for the term. APY assumes dividends remain on deposit until maturity | 3.28% | $163 |
| 12 months12-month Share Certificate (headline term). Dividend rate 3.23%; APY 3.28%. Minimum opening balance $500. Rate locked for the term. APY assumes dividends remain on deposit until maturity | 3.28% | $328 |
| 24 months24-month Share Certificate. Dividend rate 3.23%; APY 3.28%. Minimum opening balance $500. Rate locked for the term. APY assumes dividends remain on deposit until maturity | 3.28% | $667 |
| 36 months36-month Share Certificate. Dividend rate 3.23%; APY 3.28%. Minimum opening balance $500. Rate locked for the term. APY assumes dividends remain on deposit until maturity | 3.28% | $1,017 |
| 48 months48-month Share Certificate. Dividend rate 3.23%; APY 3.28%. Minimum opening balance $500. Rate locked for the term. APY assumes dividends remain on deposit until maturity | 3.28% | $1,378 |
| 60 months60-month Share Certificate. Dividend rate 3.23%; APY 3.28%. Minimum opening balance $500. Rate locked for the term. APY assumes dividends remain on deposit until maturity | 3.28% | $1,751 |
Special-purpose accounts
IRA Certificates
3.38%APY · 4 terms
Traditional or Roth IRA certificate (same account terms; tax treatment differs). Pelican membership required (join from $15). Fixed dividend rate for the full term; dividends post quarterly and are capitalized. Minimum opening $500. Early withdrawal penalty is 40% of total dividends that would have been earned over the term; required distributions from an IRA Share Certificate are not charged an early-withdrawal penalty. Certificate APY accurate as of today and subject to change before opening; rate then locked for the term. NCUA-insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months24-month IRA Certificate (headline term). Dividend rate 3.33%; APY 3.38%. Minimum opening balance $500. Rates fixed for the IRA term and may change after maturity | 3.38% | $687 |
| 36 months36-month IRA Certificate. Dividend rate 3.33%; APY 3.38%. Minimum opening balance $500. Rates fixed for the IRA term and may change after maturity | 3.38% | $1,049 |
| 48 months48-month IRA Certificate. Dividend rate 3.33%; APY 3.38%. Minimum opening balance $500. Rates fixed for the IRA term and may change after maturity | 3.38% | $1,422 |
| 60 months60-month IRA Certificate. Dividend rate 3.33%; APY 3.38%. Minimum opening balance $500. Rates fixed for the IRA term and may change after maturity | 3.38% | $1,808 |
Pelican Credit Union CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.28%
- 9–15 months9–15 mo3.28%
- 16–30 months16–30 mo3.28%
- 31–60 months31–60 mo3.28%
- QualifiedQualified3.28%
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.
Who can join Pelican Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.