Credit union · NCUA insured
Peoples CU CD Rates
Peoples CU’s best CD rate is 3.58% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Peoples CU’s CD rates compare
Compared with banks and credit unions in Colorado, where Peoples CU has the most branches. $10,000, best rate first.
This credit union’s best
Peoples CU
3.58%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $358
Certificate of Deposit
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Wray State Bank
5.09%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $1,044
Peoples CU CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.33%
- 9–15 months9–15 mo3.58%
- 16–30 months16–30 mo3.12%
- 31–60 months31–60 mo2.87%
- QualifiedQualified3.58%
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 CU 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 of Deposit
Up to 3.58%APY · 7 terms
$100 minimum balance plus $25 in regular share account. Dividends are paid semi-annual from date of deposit. Interest penalty for early withdrawal. CDs with 12 months or greater term may make 2 additional deposits each calendar year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.33% | $165 |
| 12 monthsCDs with 12 months or greater term may make 2 additional deposits each calendar year | 3.58% | $358 |
| 18 monthsCDs with 12 months or greater term may make 2 additional deposits each calendar year | 3.07% | $464 |
| 24 monthsCDs with 12 months or greater term may make 2 additional deposits each calendar year | 3.12% | $634 |
| 36 monthsCDs with 12 months or greater term may make 2 additional deposits each calendar year | 2.87% | $886 |
| 48 monthsCDs with 12 months or greater term may make 2 additional deposits each calendar year | 2.83% | $1,181 |
| 60 monthsCDs with 12 months or greater term may make 2 additional deposits each calendar year | 2.87% | $1,520 |
Special-purpose accounts
IRA Certificate
3.81%APY
Early withdrawal penalties apply. Fees could reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 3.81% | $381 |
Sources (1)
- peoples-cu.com/rates-fees · captured Sep 17, 2026
Who can join Peoples CU
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 Baca County, Colorado.
- Membership is open to individuals within Stanton and Morton counties in Kansas.
- Membership is open to individuals residing in Prowers, Bent, Otero, and Las Animas counties in Colorado.
Cost to join
- Opening a new account requires a deposit of check or cash, along with a form of identification and Social Security number.
Membership information collected October 4, 2026.