Credit union · NCUA insured
Sharefax Credit Union CD Rates
Sharefax Credit Union’s best CD rate is 3.90% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Sharefax Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Sharefax Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sharefax Credit Union
4.00%APY
- Term
- 36 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $1,249
Bump Share Certificates
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Sharefax Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.00%
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 Sharefax 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
4.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.20% | $420 |
Sources (1)
- sharefax.org · captured Sep 25, 2026
Bump Share Certificates
Up to 4.00%APY · 3 terms
Business account holders do not qualify for Jump or Relationship Rates. IRA and HSA share certificates are not eligible for bumps. Rates are subject to change. Please check with a Member Service Representative.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.75% | $1,168 |
| 36 monthsGold relationship tier | 3.95% | $1,232 |
| 36 monthsPlatinum relationship tier | 4.00% | $1,249 |
| 36 monthsSilver relationship tier | 3.90% | $1,216 |
| 48 months | 3.65% | $1,542 |
| 48 monthsGold relationship tier | 3.85% | $1,631 |
| 48 monthsPlatinum relationship tier | 3.90% | $1,654 |
| 48 monthsSilver relationship tier | 3.80% | $1,609 |
| 60 months | 3.55% | $1,906 |
| 60 monthsGold relationship tier | 3.75% | $2,021 |
| 60 monthsPlatinum relationship tier | 3.80% | $2,050 |
| 60 monthsSilver relationship tier | 3.70% | $1,992 |
Sources (1)
- sharefax.org/share-certificates-rates · captured Oct 16, 2026
Share Certificates
Up to 3.90%APY · 8 terms
Rates are subject to change. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.25% | — | 3.25% | $161 |
| 6 monthsPlatinum relationship tier | 3.50% | — | 3.50% | $173 |
| 6 monthsSilver relationship tier | 3.40% | — | 3.40% | $169 |
| 11 monthsNo penalty | — | 3.50% | 3.50% | $320 |
| 12 months | 3.50% | — | 3.50% | $350 |
| 12 monthsGold relationship tier | 3.70% | — | 3.70% | $370 |
| 12 monthsPlatinum relationship tier | 3.75% | — | 3.75% | $375 |
| 12 monthsSilver relationship tier | 3.65% | — | 3.65% | $365 |
| 15 months | 3.55% | — | 3.55% | $446 |
| 15 monthsGold relationship tier | 3.75% | — | 3.75% | $471 |
| 15 monthsPlatinum relationship tier | 3.80% | — | 3.80% | $477 |
| 15 monthsSilver relationship tier | 3.70% | — | 3.70% | $465 |
| 24 months | 3.65% | — | 3.65% | $743 |
| 24 monthsGold relationship tier | 3.85% | — | 3.85% | $785 |
| 24 monthsPlatinum relationship tier | 3.90% | — | 3.90% | $795 |
| 24 monthsSilver relationship tier | 3.80% | — | 3.80% | $774 |
| 36 months | 3.55% | — | 3.55% | $1,103 |
| 36 monthsGold relationship tier | 3.75% | — | 3.75% | $1,168 |
| 36 monthsPlatinum relationship tier | 3.80% | — | 3.80% | $1,184 |
| 36 monthsSilver relationship tier | 3.70% | — | 3.70% | $1,152 |
| 48 months | 3.45% | — | 3.45% | $1,453 |
| 48 monthsGold relationship tier | 3.65% | — | 3.65% | $1,542 |
| 48 monthsPlatinum relationship tier | 3.70% | — | 3.70% | $1,564 |
| 48 monthsSilver relationship tier | 3.60% | — | 3.60% | $1,520 |
| 60 months | 3.35% | — | 3.35% | $1,791 |
| 60 monthsGold relationship tier | 3.55% | — | 3.55% | $1,906 |
| 60 monthsPlatinum relationship tier | 3.60% | — | 3.60% | $1,934 |
Sources (1)
- sharefax.org/share-certificates-rates · captured Sep 25, 2026
Special-purpose accounts
IRA & HSA Certificates
Up to 4.00%APY · 8 terms
Rates are subject to change. Please check with a Member Service Representative.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 12 months | 3.50% | $350 |
| 12 monthsGold relationship tier | 3.70% | $370 |
| 12 monthsPlatinum relationship tier | 3.75% | $375 |
| 12 monthsSilver relationship tier | 3.65% | $365 |
| 18 months | 3.75% | $568 |
| 18 monthsPlatinum relationship tier | 4.00% | $606 |
| 18 monthsSilver relationship tier | 3.90% | $591 |
| 24 months | 3.65% | $743 |
| 24 monthsGold relationship tier | 3.85% | $785 |
| 24 monthsPlatinum relationship tier | 3.90% | $795 |
| 24 monthsSilver relationship tier | 3.80% | $774 |
| 30 months | 3.55% | $911 |
| 30 monthsPlatinum relationship tier | 3.80% | $977 |
| 30 monthsSilver relationship tier | 3.70% | $951 |
| 36 months | 3.55% | $1,103 |
| 36 monthsPlatinum relationship tier | 3.80% | $1,184 |
| 36 monthsSilver relationship tier | 3.70% | $1,152 |
| 48 months | 3.45% | $1,453 |
| 48 monthsGold relationship tier | 3.65% | $1,542 |
| 48 monthsPlatinum relationship tier | 3.70% | $1,564 |
| 48 monthsSilver relationship tier | 3.60% | $1,520 |
| 60 months | 3.35% | $1,791 |
| 60 monthsGold relationship tier | 3.55% | $1,906 |
| 60 monthsPlatinum relationship tier | 3.60% | $1,934 |
| 60 monthsSilver relationship tier | 3.50% | $1,877 |
Sources (1)
- sharefax.org/share-certificates-rates · captured Sep 25, 2026
Who can join Sharefax Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Adams, Brown, Butler, Clermont, Clinton, Fayette, Greene, Hamilton, Highland, Montgomery, Preble, or Warren County is eligible for membership.
Employers and groups
- Employees of over 400 local companies and organizations are eligible for membership.
Membership information collected October 5, 2026.