Credit union · NCUA insured
SECU Credit Union CD Rates
SECU Credit Union’s best CD rate is 4.10% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How SECU Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where SECU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SECU Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $445
Certificate of Deposit
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
SECU Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.10%
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 SECU 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 of Deposit
Up to 4.10%APY · 17 terms
$500 required to open a Certificate of Deposit, $100 for add-on CD, $100,000 for jumbo CD. Early withdrawal penalty may apply. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 5 months | 3.75% | $155 |
| 6 months | 3.20% | $159 |
| 7 months | 2.00% | $116 |
| 8 months | 3.90% | $258 |
| 9 months | 3.20% | $239 |
| 11 months | 3.00% | $275 |
| 12 months | 3.55% | $355 |
| 12 monthsAdd-On CD | 2.85% | $285 |
| 12 monthsRequires SECU Total Checking - Gold level in the last 3 months; must be opened in a branch, Virtual Financial Center, or via mail | 3.70% | $370 |
| 12 monthsRequires SECU Total Checking - Platinum level in the last 3 months; must be opened in a branch, Virtual Financial Center, or via mail | 3.80% | $380 |
| 13 months | 4.10% | $445 |
| 15 months | 3.20% | $402 |
| 17 months | 2.00% | $285 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 24 monthsJumbo CD | 3.30% | $671 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 1.75% | $719 |
| 60 months | 1.80% | $933 |
| 60 monthsStep up to a higher rate one time during the CD term | 1.40% | $720 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.10%APY · 9 terms
Traditional, Roth, and Educational IRA Certificates. Minimum of $500 is needed to open a certificate of deposit (CD), with the exception of $100,000 for a jumbo CD. Early withdrawal penalty may apply. Not available to businesses.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 12 monthsJumbo CD | 3.65% | $365 |
| 12 monthsRequires SECU Total Checking - Gold level in the last 3 months; must be opened in a branch, Virtual Financial Center, or via mail | 3.70% | $370 |
| 12 monthsRequires SECU Total Checking - Platinum level in the last 3 months; must be opened in a branch, Virtual Financial Center, or via mail | 3.80% | $380 |
| 13 months | 4.10% | $445 |
| 15 months | 3.20% | $402 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 24 monthsJumbo CD | 3.30% | $671 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 1.75% | $719 |
| 60 months | 1.80% | $933 |
| 60 monthsStep up to a higher rate one time during the CD term | 1.40% | $720 |
Sources (1)
- secumd.org/rates-calculators · captured Oct 15, 2026
Who can join SECU Credit Union
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