Credit union · NCUA insured
REGIONAL federal credit union CD Rates
REGIONAL federal credit union’s best CD rate is 4.08% APY on a 9-month share certificate (CD). Terms run from 3 months to 30 months. Rates checked October 15, 2026.
How REGIONAL federal credit union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where REGIONAL federal credit union has the most branches. $10,000, best rate first.
This credit union’s best
REGIONAL federal credit union
4.08%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $304
9-Month CD Special
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
REGIONAL federal credit union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo1.02%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo1.02%
- QualifiedQualified4.08%
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 REGIONAL 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.
9-Month CD Special
4.08%APY · 1 term
Available to both new and existing members. New money only; only funds not currently on deposit with REGIONAL are eligible. Funds withdrawn and re-deposited within 30 days of the new certificate open date do not qualify as new money. Early withdrawal penalty may be imposed. Fees may reduce earnings. Membership eligibility requirements apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsNew money only. Available to new and existing members. Funds withdrawn and re-deposited within 30 days of open date do not qualify | 4.08% | $304 |
Certificate
1.02%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 1.02% | $42 |
| 6 months | 1.02% | $51 |
| 9 monthsNew money only. Funds withdrawn and re-deposited within 30 days of the new certificate open date does not qualify as new money | 1.02% | $76 |
| 12 months | 1.02% | $102 |
| 18 months | 1.02% | $153 |
| 30 months | 1.02% | $257 |
Sources (3)
- regionalfcu.org/disclosures/rate-and-fee-schedule
- regionalfcu.org/learn/current-rates
- regionalfcu.org/bank/savings
All captured Sep 18, 2026
VIP Certificate
1.01%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.01% | $25 |
Sources (3)
- regionalfcu.org/disclosures/rate-and-fee-schedule
- regionalfcu.org/learn/current-rates
- regionalfcu.org/bank/savings
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
3.04%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.04% | $617 |
Sources (3)
- regionalfcu.org/disclosures/rate-and-fee-schedule
- regionalfcu.org/learn/current-rates
- regionalfcu.org/bank/savings
All captured Sep 18, 2026
Head Start Youth Certificate
0.71%APY · 1 term
Available to members through high school graduation. $1,000 maximum total deposit. Young member can add to that balance in $25 increments at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable to members through high school graduation. $1,000 maximum total deposit. Young member can add in $25 increments | 0.71% | — |
Sources (3)
- regionalfcu.org/disclosures/rate-and-fee-schedule
- regionalfcu.org/learn/current-rates
- regionalfcu.org/bank/savings
All captured Sep 18, 2026
Who can join REGIONAL 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 anyone who lives, works, worships, or attends school or business in Lake and Porter Counties in Indiana.
Membership information collected October 5, 2026.