Credit union · NCUA insured
Service One Credit Union CD Rates
Service One Credit Union’s best CD rate is 3.30% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Service One Credit Union’s CD rates compare
Compared with banks and credit unions near Bowling Green, KY, where Service One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Service One Credit Union
3.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $499
High Yield Certificate
Top rate
Abound Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
American Bank & Trust
4.45%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $559
Service One Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo2.55%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 Service One 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.
High Yield Certificate
Up to 3.30%APY · 9 terms
Early withdrawal of any of the principal funds before the maturity date will cost a penalty equal to 90-180 days of dividends. Rates may change after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.05% | $51 |
| 6 months | 2.55% | $127 |
| 12 months | 3.15% | $315 |
| 18 months | 3.30% | $499 |
| 24 months | 3.30% | $671 |
| 30 months | 3.30% | $846 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.15% | $1,321 |
| 60 months | 3.15% | $1,677 |
Sources (1)
- socu.com/investment-rates · captured Oct 5, 2026
Add-On Certificate
2.55%APY · 1 term
Early withdrawal of any of the principal funds before the maturity date will cost a penalty equal to 90-180 days of dividends. Rates may change after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.55% | $127 |
Sources (1)
- socu.com/investment-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 3.30%APY · 9 terms
Early withdrawal of any of the principal funds before the maturity date will cost a penalty equal to 90-180 days of dividends. Rates may change after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.05% | $51 |
| 6 months | 2.55% | $127 |
| 12 months | 3.15% | $315 |
| 18 months | 3.30% | $499 |
| 24 months | 3.30% | $671 |
| 30 months | 3.30% | $846 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.15% | $1,321 |
| 60 months | 3.15% | $1,677 |
Sources (1)
- socu.com/investment-rates · captured Oct 5, 2026
Who can join Service One 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, work, worship, volunteer, or attend school in the Barren River Development District (BRADD) or Pennyrile Area Development District (PADD) areas of South Central and Western Kentucky.
Employers and groups
- Directors, employees, volunteers, retirees, and members of businesses, associations, and other legal entities located within the BRADD or PADD.
Family and household
- Members of the immediate family or household of any qualifying membership group.
- Spouses of persons who passed away while within the field of membership of the Credit Union.
Other ways
- Current Service One Credit Union members.
Membership information collected October 4, 2026.