Credit union · NCUA insured
People's Community Federal Credit Union CD Rates
People's Community Federal Credit Union’s best CD rate is 4.00% APY on a 4-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How People's Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where People's Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
People's Community Federal Credit Union
4.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $132
Certificate Specials
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
People's Community Federal Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.40%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.00%
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 People's Community 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 Specials
Up to 4.00%APY · 2 terms
Individual Retirement Accounts (IRA's) are not eligible for 4-month and 9-month specials.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsMonthly Dividend Compounded & Credited. Rolls into 3-month certificate at maturity. Not eligible for IRAs | 4.00% | $132 |
| 9 monthsMonthly Dividend Compounded & Credited. Rolls into 6-month certificate at maturity. Not eligible for IRAs | 3.50% | $261 |
Sources (2)
All captured Oct 15, 2026
Share Certificates
Up to 2.50%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded and credited monthly | 1.00% | $25 |
| 6 monthsDividends compounded and credited monthly | 1.25% | $62 |
| 12 monthsDividends compounded and credited monthly | 2.25% | $225 |
| 18 monthsDividends compounded and credited monthly | 2.30% | $347 |
| 24 monthsDividends compounded and credited monthly | 2.40% | $486 |
| 36 monthsDividends compounded and credited monthly | 2.50% | $769 |
| 60 monthsDividends compounded and credited monthly | 2.50% | $1,314 |
Sources (2)
All captured Oct 15, 2026
Who can join People's Community 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
- Individuals who live, work, or worship in Clark, Cowlitz, or Skamania counties are eligible for membership.
Family and household
- Family members of eligible members are eligible to join, regardless of where they live.
Cost to join
- Membership requires paying a $5 membership fee and depositing $50 into a Carefree Savings account (or maintaining $5 in Carefree Savings if opening another deposit account).
Membership information collected October 4, 2026.