Credit union · NCUA insured
R-G Federal Credit Union CD Rates
Top CarrotR-G Federal Credit Union’s best CD rate is 4.20% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How R-G Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Warrensburg, MO, where R-G Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
R-G Federal Credit Union
4.15%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $847
Term Share Account
Top rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Central Missouri Community Credit Union
4.33%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $214
R-G Federal Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.15%
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 R-G 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.
Premier Term Share Account
Up to 4.20%APY · 6 terms
Premier Term Share Accounts pay dividends monthly. Early withdrawal penalties may apply. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly | 3.75% | — |
| 12 monthsDividends paid monthly | 3.50% | — |
| 24 monthsCurrent Term Share Account Special. Requires new money. Automatically renews at then current 6-month terms unless specified. Dividends paid monthly | 4.20% | — |
| 36 monthsDividends paid monthly | 3.10% | — |
| 48 monthsDividends paid monthly | 3.15% | — |
| 60 monthsDividends paid monthly | 3.19% | — |
Sources (2)
All captured Oct 5, 2026
Term Share Account
Up to 4.15%APY · 6 terms
Term Share Accounts pay dividends quarterly. Early withdrawal penalties may apply and reduce earnings. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly | 3.25% | $161 |
| 12 monthsDividends paid quarterly | 3.00% | $300 |
| 24 monthsCurrent Term Share Account Special. Requires new money. Automatically renews at then current 6-month terms unless specified. Dividends paid quarterly | 4.15% | $847 |
| 36 monthsDividends paid quarterly | 2.50% | $769 |
| 48 monthsDividends paid quarterly | 2.25% | $931 |
| 60 monthsDividends paid quarterly | 2.00% | $1,041 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Term Share Account
Up to 4.15%APY · 6 terms
Traditional & Roth options available. Minimum balance $500+. Early withdrawal penalties may apply. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 3.75% | $375 |
| 24 monthsCurrent Term Share Account Special. Requires new money. Automatically renews at then current 6-month terms unless specified | 4.15% | $847 |
| 36 months | 2.75% | $848 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.25% | $1,177 |
Sources (2)
All captured Oct 5, 2026
Who can join R-G Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.