Credit union · NCUA insured
RTP Federal Credit Union CD Rates
RTP Federal Credit Union’s best CD rate is 3.72% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How RTP Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Raleigh, NC, where RTP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
RTP Federal Credit Union
3.72%APY
- Term
- 12 months
- Minimum
- $250
- Earns on $10,000
- $372
Certificate Accounts
Top rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Coastal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,462
RTP Federal Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.72%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.46%
- QualifiedQualified3.72%
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 RTP 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.
Certificate Accounts
Up to 3.72%APY · 7 terms
Interest is compounded daily and posted monthly. Automatically renewed at prevailing rate at maturity unless instructed otherwise. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.72% | $372 |
| 18 months | 3.51% | $531 |
| 24 months | 3.56% | $725 |
| 36 months | 3.46% | $1,074 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.30% | $1,763 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.72%APY · 7 terms
Interest is compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties may apply for early withdrawal on IRA Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.72% | $372 |
| 18 months | 3.51% | $531 |
| 24 months | 3.56% | $725 |
| 36 months | 3.46% | $1,074 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.30% | $1,763 |
Sources (1)
- rtpfcu.org/home/rates/savings · captured Oct 4, 2026
Who can join RTP 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
- Persons who live, worship, work, or attend school in, and businesses and other legal entities located within specified community areas are eligible for membership.
Employers and groups
- Individuals associated with one of over 300 sponsored businesses and associations in the RTP and greater Triangle area are eligible for membership.
- Individuals are eligible for membership by joining the North Carolina Consumer Council.
Family and household
- Immediate family members of current RTP Federal Credit Union members (spouses, parents, children, brothers, sisters, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) are eligible to join.
- Persons living in the same residence maintaining a single economic unit with a current member (including domestic partners, foster children, legal guardians, and roommates) are eligible to join.
Membership information collected October 4, 2026.