Credit union · NCUA insured
Quest Federal Credit Union CD Rates
Top CarrotQuest Federal Credit Union’s best CD rate is 4.07% APY on a 5-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 17, 2026.
How Quest Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bellefontaine, OH, where Quest Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Quest Federal Credit Union
3.82%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,062
Share Certificate
Top rate
United Midwest Savings Bank
4.75%APY
- Term
- 6–12 months
- Minimum
- $500
- Earns on $10,000
- —
2nd-highest rate
Richwood Bank
4.60%APY
- Term
- 59 months
- Minimum
- $500
- Earns on $10,000
- $2,475
Quest Federal Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
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 Quest 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.
Special-purpose accounts
Share Certificate
Up to 3.82%APY · 5 terms
The minimum balance to open a Share Certificate is $1000.00 ($500.00 for minors age 18 and under). A higher rate is paid on share certificates $10,000.00 and over. Dividends on share certificates are paid monthly and can be posted to the share certificates balance, deposited into a Share or Share Draft Account or mailed to the member in a check. No additional funds may be added to the share certificates until the maturity date. Withdraws before the maturity date will incur an early withdraw penalty. share certificates will automatically renew for the same term at maturity, at the current rate. There is a 10 day grace period after maturity in which you the member may make changes or redeem the share certificates.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 2.79% | 3.04% | 3.30% | 2.79%3.04% from $10k3.30% from $75k | $279 |
| 24 months | 3.20% | 3.45% | 3.71% | 3.20%3.45% from $10k3.71% from $75k | $650 |
| 36 months | 3.30% | 3.56% | 3.82% | 3.30%3.56% from $10k3.82% from $75k | $1,023 |
| 48 months | 3.45% | 3.71% | 3.97% | 3.45%3.71% from $10k3.97% from $75k | $1,453 |
| 60 months | 3.56% | 3.82% | 4.07% | 3.56%3.82% from $10k4.07% from $75k | $1,911 |
IRA Certificate
Up to 2.63%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.12% | $212 |
| 36 months | 2.27% | $697 |
| 60 months | 2.63% | $1,386 |
Sources (1)
- questfcu.com/rates · captured Oct 6, 2026
Who can join Quest 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
- Membership is open to individuals who live, work, worship, or attend school in Hardin, Logan, and Wyandot County.
Membership information collected October 5, 2026.