Credit union · NCUA insured
Rock Valley Credit Union CD Rates
Top CarrotRock Valley Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Rock Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Rockford, IL, where Rock Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rock Valley Credit Union
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Certificates (CDs) - Promotional
Top rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
2nd-highest rate
Cornerstone Credit Union
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
Rock Valley Credit Union CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.25%
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 Rock Valley 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.
Certificates (CDs) - Promotional
4.25%APY · 2 terms
$25 minimum deposit required in a share savings account to establish credit union membership. Fees could reduce the earnings on the account. Rates are subject to change without notice. You will be paid the disclosed rate until first maturity. Unless otherwise paid, dividends will be compounded every month and credited to your account monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. APY assumes all dividends remain in the certificate until maturity. Penalties may be imposed for early withdrawal. The 15 month and 6 month Certificates are nonrenewable.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsThe 15 month and 6 month Certificates are nonrenewable | 4.25% | 4.25% | 4.25% | 4.25%4.25% from $10k4.25% from $50k | $210 |
| 15 monthsThe 15 month and 6 month Certificates are nonrenewable | 4.25% | 4.25% | 4.25% | 4.25%4.25% from $10k4.25% from $50k | $534 |
Sources (3)
- rockvalleycreditunion.org/rate…ificates-cds-promotional
- rockvalleycreditunion.org/rate…ificates-cds-promotional
- rockvalleycreditunion.org/rates
All captured Oct 16, 2026
12 Month Save to Win Certificate
3.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.00% | $300 |
Sources (1)
- rockvalleycreditunion.org/rates · captured Oct 16, 2026
Certificates (CDs)
Up to 2.75%APY · 5 terms
$25 minimum deposit required in a share savings account to establish credit union membership. Dividends compounded and credited monthly. Calculated by daily balance method. APY assumes dividends remain until maturity. Penalties may be imposed for early withdrawal. Automatically renews at maturity.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 2.50% | 2.75% | 3.00% | 2.50%2.75% from $10k3.00% from $50k | $250 |
| 18 months | 2.50% | 2.75% | 3.00% | 2.50%2.75% from $10k3.00% from $50k | $377 |
| 24 months | 2.50% | 2.75% | 3.00% | 2.50%2.75% from $10k3.00% from $50k | $506 |
| 30 months | 2.50% | 2.75% | 3.00% | 2.50%2.75% from $10k3.00% from $50k | $637 |
| 36 months | 2.50% | 2.75% | 3.00% | 2.50%2.75% from $10k3.00% from $50k | $769 |
Sources (3)
- rockvalleycreditunion.org/rate-group/certificates-cds
- rockvalleycreditunion.org/rate…up_name/certificates-cds
- rockvalleycreditunion.org/rates
All captured Oct 16, 2026
Who can join Rock Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, or attends school in Winnebago, Boone, Ogle, DeKalb, Lee, or Stephenson counties in Illinois, or in Green, Rock, or Walworth counties in Wisconsin.
Family and household
- Membership extends to anyone in the immediate family, defined as any relative by blood or marriage, domestic partners, and foster or adopted children.
Membership information collected October 5, 2026.