Credit union · NCUA insured
Premier Credit Union CD Rates
Premier Credit Union’s best CD rate is 4.45% APY on a 7-month share certificate (CD). Terms run from 5 months to 3 years. Rates checked October 16, 2026.
How Premier Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Premier Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Premier Credit Union
4.45%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $257
7 Month CD Special
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Premier Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.45%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.45%
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 Premier 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.
7 Month CD Special
4.45%APY · 1 term
Limited-time special. Requires minimum opening deposit of $2,000 in new money (funds not currently or within prior 30 days on deposit with Premier Credit Union). Dividends calculated using Daily Balance method, credited and compounded quarterly. Automatic renewals unless notified within 10-day grace period. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsRequires a minimum opening deposit of $2,000 in new money. New money means funds not currently, or within the prior 30 days, on deposit with Premier Credit Union; transfers from existing Premier accounts do not qualify. Dividends calculated using Daily Balance method, credit and compound quarterly. Renewals are automatic unless notified within a 10-day grace period. Early withdrawal penalties may be imposed | 4.45% | $257 |
Sources (2)
All captured Oct 16, 2026
Jumbo Certificate
Up to 4.25%APY · 4 terms
A fixed-rate investment with terms from 7 months to 3 years. Minimum deposit of $100,000 required. Dividends are compounded quarterly. Penalty for early withdrawal. Renewals are automatic unless notified within a 10-day Grace Period. $5.00 minimum deposit to open a savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 4.00% | — |
| 12 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 4.25% | — |
| 24 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 3.55% | — |
| 36 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 3.60% | — |
Sources (2)
All captured Oct 16, 2026
Investor Certificate
Up to 4.20%APY · 4 terms
A fixed-rate investment with terms from 7 months to 3 years. Minimum deposit of $2,000 is required. Dividends are compounded quarterly. Penalty for early withdrawal. Renewals are automatic unless notified within a 10-day Grace Period. $5.00 minimum deposit to open a savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 4.00% | $231 |
| 12 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 4.20% | $420 |
| 24 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 3.45% | $702 |
| 36 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed | 3.50% | $1,087 |
Sources (2)
All captured Oct 16, 2026
5 Month CD Special
4.00%APY · 1 term
Dividends calculated using Daily Balance method and compound/credit quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsDividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed | 4.00% | $165 |
Sources (1)
- premiercu.org/services/loans/rates-fees · captured Oct 16, 2026
Special-purpose accounts
Kirby Kids CD
3.70%APY · 1 term
Available to children ages 12 and under. 12-month add-on certificate allowing ongoing deposits during the term. Monthly savings updates provided. $5.00 minimum opening deposit required for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdditional deposits made during the term earn dividends for the remainder of the term. Automatic renewals unless notified within 10-day grace period. Early withdrawal penalties may be imposed | 3.70% | $370 |
Sources (1)
- premiercu.org/services/accounts/savings/kids-accounts · captured Oct 16, 2026
Who can join Premier 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 or work in approved counties in Iowa, Nebraska, or South Dakota are eligible for membership.
Family and household
- Family and household members of current Premier Credit Union members are eligible for membership.
Cost to join
- Membership requires a $5 initial share deposit to open your first account.
Membership information collected October 4, 2026.