Credit union · NCUA insured
Prime Trust Financial Credit Union CD Rates
Prime Trust Financial Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Prime Trust Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Muncie, IN, where Prime Trust Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Prime Trust Financial Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Share Certificates
Top rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Prime Trust Financial Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo2.79%
- QualifiedQualified4.00%
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 Prime Trust Financial 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 4.00%APY · 6 terms
No monthly service or origination fees. Early withdrawal penalty may apply. Consumer & Share Certificates receive an additional 0.25% for direct deposit where eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNo rate bump available. Early withdrawal penalty may apply | 3.50% | $173 |
| 12 monthsNo rate bump available. Early withdrawal penalty may apply | 4.00% | $400 |
| 24 monthsEarly withdrawal penalty may apply. Additional 0.25% for direct deposit | 3.04% | $617 |
| 36 monthsEarly withdrawal penalty may apply. Additional 0.25% for direct deposit | 2.79% | $861 |
| 48 monthsEarly withdrawal penalty may apply. Additional 0.25% for direct deposit | 2.79% | $1,164 |
| 60 monthsEarly withdrawal penalty may apply. Additional 0.25% for direct deposit | 2.79% | $1,475 |
Sources (2)
All captured Sep 18, 2026
Special Share Certificates
3.90%APY · 1 term
No monthly service or origination fees. Penalties may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 3.90% | $291 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 6 terms
Penalties may be imposed for early withdrawal of certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 3.50% | $173 |
| 12 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 4.00% | $400 |
| 24 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 3.04% | $617 |
| 36 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 2.79% | $861 |
| 48 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 2.79% | $1,164 |
| 60 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 2.79% | $1,475 |
Sources (1)
- primetrustcu.com/resources/rates · captured Sep 18, 2026
IRA Special Share Certificates
3.90%APY · 1 term
Penalties may be imposed for early withdrawal of certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsNot eligible for Direct Deposit discount. Early withdrawal penalty may apply | 3.90% | $291 |
Sources (1)
- primetrustcu.com/resources/rates · captured Sep 18, 2026
Who can join Prime Trust Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, worship, or attend school in Delaware, Madison, Hamilton, Hancock, or Henry County, Indiana, or are a business/legal entity located in those counties.
Employers and groups
- Residents of Blackford, Grant, Jay, Randolph, or Wabash County qualify by making a minimum deposit of $5 in partnership with Second Harvest Food Bank of East Central Indiana.
Cost to join
- Membership is attained by opening a share savings account.
Membership information collected October 5, 2026.