Credit union · NCUA insured
Postal & Community Credit Union CD Rates
Top CarrotPostal & Community Credit Union’s best CD rate is 4.75% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Postal & Community Credit Union’s CD rates compare
Compared with banks and credit unions near St. Joseph, MO-KS, where Postal & Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Postal & Community Credit Union
4.75%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $354
Share Certificates
Top rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
3rd-highest rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Postal & Community Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.75%
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 Postal & Community 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.
Share Certificates
Up to 4.75%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.75% | $186 |
| 7 months | 4.25% | $246 |
| 9 months | 4.75% | $354 |
| 11 months | 4.50% | $412 |
| 12 months | 3.75% | $375 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Special-purpose accounts
IRA Certificates
Up to 4.75%APY · 11 terms
Traditional, Roth and Educational IRAs available. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.75% | $186 |
| 7 months | 4.25% | $246 |
| 9 months | 4.75% | $354 |
| 11 months | 4.50% | $412 |
| 12 months | 3.75% | $375 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Who can join Postal & Community Credit Union
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