Credit union · NCUA insured
RECU CD Rates
RECU’s best CD rate is 3.85% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How RECU’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where RECU has the most branches. $10,000, best rate first.
This credit union’s best
RECU
3.85%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $385
Term Share Accounts
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $778
RECU CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.44%
- QualifiedQualified3.85%
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 RECU 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.
Term Share Accounts
Up to 3.85%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.85% | $385 |
| 24 months | 3.55% | $723 |
| 36 months | 3.44% | $1,068 |
| 48 months | 3.14% | $1,316 |
| 60 months | 3.14% | $1,672 |
Sources (1)
- recu.org/accounts · captured Sep 16, 2026
Who can join RECU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- BNSF Railway employees across the United States are eligible for membership.
Family and household
- Families of BNSF employees are eligible for membership.
Cost to join
- Opening a savings account requires $25 ($5 for minors).
Membership information collected October 4, 2026.