Credit union · NCUA insured
Puerto Rico Federal Credit Union CD Rates
Puerto Rico Federal Credit Union’s best CD rate is 2.60% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 29, 2026.
How Puerto Rico Federal Credit Union’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 12-month CD
Puerto Rico Federal Credit Union
2.60%APY
- Minimum
- $1,000
- Earns on $10,000
- $260
Certificado de Acciones
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Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificado de Acciones
Up to 2.60%APY · 6 terms
La cantidad mínima para abrir un certificado es de $1,000, incrementado por múltiplos de $100. Cómputos/créditos de dividendos mensual. Generalmente, producen mayores dividendos que las cuentas de acciones y de ahorro. Disponible para socios de PRFCU.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBalance mínimo requerido $1,000.00. Cómputos/créditos de dividendos mensual. Incrementado por múltiplos de $100 | 1.50% | $75 |
| 12 monthsBalance mínimo requerido $1,000.00. Cómputos/créditos de dividendos mensual. Incrementado por múltiplos de $100 | 2.60% | $260 |
| 24 monthsBalance mínimo requerido $1,000.00. Cómputos/créditos de dividendos mensual. Incrementado por múltiplos de $100 | 2.50% | $506 |
| 36 monthsBalance mínimo requerido $1,000.00. Cómputos/créditos de dividendos mensual. Incrementado por múltiplos de $100 | 2.25% | $690 |
| 48 monthsBalance mínimo requerido $1,000.00. Cómputos/créditos de dividendos mensual. Incrementado por múltiplos de $100 | 2.00% | $824 |
| 60 monthsBalance mínimo requerido $1,000.00. Cómputos/créditos de dividendos mensual. Incrementado por múltiplos de $100 | 1.75% | $906 |
Sources (1)
- prfedcu.com/loan/certificado-de-acciones · captured Oct 29, 2026
Puerto Rico Federal Credit Union CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo2.60%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.25%
- QualifiedQualified2.60%
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.
Who can join Puerto Rico Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who resides, works, studies, or congregates in the North area (Área Norte) and neighboring towns qualifies for membership.
Employers and groups
- Employees and retirees of affiliated companies, sectors, or entities qualify for membership.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents, or grandchildren) of employees or retirees of affiliated companies or entities qualify for membership.
- Spouses of members who passed away while being members of the credit union qualify for membership.
Other ways
- Employees and members of the Museo de Arte de Ponce de Puerto Rico (MAP), or individuals who contribute a donation to MAP, qualify for membership.
Cost to join
- Eligible persons can become members by completing the application and contributing a minimum of $5.00 biweekly or corresponding pay period (equivalent to one share) to the regular share account.
Membership information collected October 4, 2026.