Credit union · NCUA insured
Peoples Federal Credit Union CD Rates
Peoples Federal Credit Union’s best CD rate is 3.51% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Peoples Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charleston, WV, where Peoples Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peoples Federal Credit Union
3.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $325
Share Certificates
Top rate
Charleston FCU
4.33%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $433
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Peoples Federal Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.63%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.25%
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 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.
Jumbo Share Certificates
Up to 3.51%APY · 3 terms
Compounded Daily, Paid Monthly. Penalty may be imposed for early certificate withdrawal. Membership eligibility applies to individuals who live, work, worship, volunteer, or attend school in Kanawha, Mason, and Putnam counties in WV.
| Term | APY · $100,000 – $150,000 | APY · $150,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.30% | 3.36% | 3.41% | —3.30% $100k–$150k3.36% $150k–$200k3.41% from $200k | — |
| 12 monthsPeoples Preferred Club APY | 3.41% | 3.46% | 3.51% | —3.41% $100k–$150k3.46% $150k–$200k3.51% from $200k | — |
| 24 months | 3.15% | 3.25% | 3.30% | —3.15% $100k–$150k3.25% $150k–$200k3.30% from $200k | — |
| 24 monthsPeoples Preferred Club APY | 3.25% | 3.36% | 3.41% | —3.25% $100k–$150k3.36% $150k–$200k3.41% from $200k | — |
| 36 months | 2.94% | 3.15% | 3.20% | —2.94% $100k–$150k3.15% $150k–$200k3.20% from $200k | — |
| 36 monthsPeoples Preferred Club APY | 3.05% | 3.25% | 3.30% | —3.05% $100k–$150k3.25% $150k–$200k3.30% from $200k | — |
Sources (3)
- peoplesfcu.com/p/save/savings-accounts
- peoplesfcu.com/p/manage/current-rates
- peoplesfcu.com/p/save/share-certificates
All captured Oct 4, 2026
Share Certificates
Up to 3.25%APY · 5 terms
$1,000.00 Minimum Deposit. Compounded Daily, Paid Monthly. Penalty may be imposed for early certificate withdrawal. Membership eligibility applies to individuals who live, work, worship, volunteer, or attend school in Kanawha, Mason, and Putnam counties in WV.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 6 monthsPeoples Preferred Club members receive 10 basis points added to APY | 2.63% | $131 |
| 12 months | 3.15% | $315 |
| 12 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.25% | $325 |
| 18 months | 3.05% | $461 |
| 18 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.15% | $476 |
| 24 months | 3.05% | $619 |
| 24 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.15% | $640 |
| 36 months | 2.94% | $908 |
| 36 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.05% | $943 |
Sources (3)
- peoplesfcu.com/p/save/savings-accounts
- peoplesfcu.com/p/manage/current-rates
- peoplesfcu.com/p/save/share-certificates
All captured Oct 4, 2026
Special-purpose accounts
Jumbo IRA Certificates
Up to 3.51%APY · 3 terms
Compounded Daily, Paid Monthly. Penalty may be imposed for early certificate withdrawal. Membership eligibility applies to individuals who live, work, worship, volunteer, or attend school in Kanawha, Mason, and Putnam counties in WV.
| Term | APY · $100,000 – $150,000 | APY · $150,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.30% | 3.36% | 3.41% | —3.30% $100k–$150k3.36% $150k–$200k3.41% from $200k | — |
| 12 monthsPeoples Preferred Club APY | 3.41% | 3.46% | 3.51% | —3.41% $100k–$150k3.46% $150k–$200k3.51% from $200k | — |
| 24 months | 3.15% | 3.25% | 3.30% | —3.15% $100k–$150k3.25% $150k–$200k3.30% from $200k | — |
| 24 monthsPeoples Preferred Club APY | 3.25% | 3.36% | 3.41% | —3.25% $100k–$150k3.36% $150k–$200k3.41% from $200k | — |
| 36 months | 2.94% | 3.15% | 3.20% | —2.94% $100k–$150k3.15% $150k–$200k3.20% from $200k | — |
| 36 monthsPeoples Preferred Club APY | 3.05% | 3.25% | 3.30% | —3.05% $100k–$150k3.25% $150k–$200k3.30% from $200k | — |
Sources (3)
- peoplesfcu.com/p/save/ira-savings
- peoplesfcu.com/p/save/savings-accounts
- peoplesfcu.com/p/manage/current-rates
All captured Oct 4, 2026
IRA Certificates
Up to 3.25%APY · 5 terms
$1,000.00 Minimum Deposit. Compounded Daily, Paid Monthly. Penalty may be imposed for early certificate withdrawal. Membership eligibility applies to individuals who live, work, worship, volunteer, or attend school in Kanawha, Mason, and Putnam counties in WV.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 6 monthsPeoples Preferred Club members receive 10 basis points added to APY | 2.63% | $131 |
| 12 months | 3.15% | $315 |
| 12 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.25% | $325 |
| 18 months | 3.05% | $461 |
| 18 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.15% | $476 |
| 24 months | 3.05% | $619 |
| 24 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.15% | $640 |
| 36 months | 2.94% | $908 |
| 36 monthsPeoples Preferred Club members receive 10 basis points added to APY | 3.05% | $943 |
Sources (3)
- peoplesfcu.com/p/save/ira-savings
- peoplesfcu.com/p/save/savings-accounts
- peoplesfcu.com/p/manage/current-rates
All captured Oct 4, 2026
Who can join Peoples Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.