Credit union · NCUA insured
Peoples Credit Union CD Rates
Peoples Credit Union’s best CD rate is 4.11% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Peoples Credit Union’s CD rates compare
Compared with banks and credit unions near Fort Dodge, IA, where Peoples Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peoples Credit Union
4.11%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $376
CD Limited Time Special
Top rate
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Peoples Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo1.20%
- 9–15 months9–15 mo4.11%
- 16–30 months16–30 mo1.60%
- 31–60 months31–60 mo2.15%
- QualifiedQualified4.11%
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 Peoples 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.
CD Limited Time Special
4.11%APY · 1 term
No checking account required. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsNo checking account required. Penalty for early withdrawal | 4.11% | $376 |
Sources (1)
- peoples-credit-union.com/resources/account-rates · captured Oct 5, 2026
CD
Up to 2.15%APY · 7 terms
No checking account required. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNo checking account required. Penalty for early withdrawal | 0.60% | $15 |
| 6 monthsNo checking account required. Penalty for early withdrawal | 1.20% | $60 |
| 12 monthsNo checking account required. Penalty for early withdrawal | 1.40% | $140 |
| 18 monthsNo checking account required. Penalty for early withdrawal | 1.50% | $226 |
| 24 monthsNo checking account required. Penalty for early withdrawal | 1.60% | $323 |
| 36 monthsNo checking account required. Penalty for early withdrawal | 1.90% | $581 |
| 60 monthsNo checking account required. Penalty for early withdrawal | 2.15% | $1,122 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA CD (Traditional/Roth)
Up to 2.15%APY · 7 terms
Traditional and Roth IRA certificates. No checking account required. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNo checking account required. Penalty for early withdrawal | 0.60% | $15 |
| 6 monthsNo checking account required. Penalty for early withdrawal | 1.20% | $60 |
| 12 monthsNo checking account required. Penalty for early withdrawal | 1.40% | $140 |
| 18 monthsNo checking account required. Penalty for early withdrawal | 1.50% | $226 |
| 24 monthsNo checking account required. Penalty for early withdrawal | 1.60% | $323 |
| 36 monthsNo checking account required. Penalty for early withdrawal | 1.90% | $581 |
| 60 monthsNo checking account required. Penalty for early withdrawal | 2.15% | $1,122 |
Sources (1)
- peoples-credit-union.com/resources/account-rates · captured Oct 5, 2026
Who can join Peoples 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, or worships in the Iowa counties of Boone, Calhoun, Franklin, Greene, Hamilton, Hardin, Humboldt, Pocahontas, Story, Webster, and Wright.
Family and household
- Membership is open to persons in the same household as a member, and persons related to a member by the first or second degree of consanguinity or affinity (including parents, children, grandchildren, brothers, sisters, foster children, adoptive children, and such relatives of a deceased member).
Cost to join
- Opening an account in branch requires an opening deposit of $25 for a Savings account and $50 for a Checking account.
Membership information collected October 4, 2026.