Credit union · NCUA insured
SharePoint Credit Union CD Rates
SharePoint Credit Union’s best CD rate is 4.00% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How SharePoint Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where SharePoint Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SharePoint Credit Union
4.00%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $434
13 Month CD Special
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
SharePoint Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.60%
- 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 SharePoint 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.
13 Month CD Special
4.00%APY · 1 term
At maturity, the balance of the 13-month certificate special will automatically roll into a 12-month certificate at current rate. Minimum required to open is $500. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsAt maturity, automatically rolls into a 12-month certificate at the current rate | 4.00% | $434 |
Sources (3)
All captured Oct 5, 2026
Share Certificate
Up to 3.60%APY · 7 terms
Dividends calculated on daily balance and paid quarterly. Minimum $500 to open. Early withdrawal penalty: 90 days interest for <= 1 year, 180 days interest for > 1 year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.25% | $225 |
| 18 months | 3.60% | $545 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.60% | $1,934 |
Sources (1)
- sharepointcu.com/rates · captured Oct 5, 2026
Flex Certificate
3.30%APY · 1 term
Minimum required to open is $500, maximum $250,000. Additional deposits allowed during term up to maximum certificate deposit amount allowed. Can have multiple Flex Certificates not to exceed $500,000. At maturity, rolls into a 12-month certificate at current rate. Does not qualify for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsRate effective 03/02/26 subject to cancel at any time. Additional deposits allowed during term up to max $250,000. Multiple certificates not to exceed $500,000. At maturity rolls into a 12-month certificate. Does not qualify for IRAs | 3.30% | $302 |
Sources (3)
- sharepointcu.com/for-you/save/…ccounts-and-certificates
- sharepointcu.com/rates
- sharepointcu.com/for-you/save/flex-certificate
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.00%APY · 8 terms
IRA certificates will earn the stated yields with $500.00 minimum balance. Dividends calculated on daily balance and paid quarterly. Early withdrawal penalties apply. Flex Certificate does not qualify for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.25% | $225 |
| 13 monthsAt maturity, the balance of the 13-month certificate special will automatically roll into a 12-month certificate at current rate | 4.00% | $434 |
| 18 months | 3.60% | $545 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.60% | $1,934 |
Sources (2)
All captured Oct 5, 2026
Who can join SharePoint Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or conduct business in Anoka County, Carver County, Dakota County, Hennepin County, Ramsey County, Scott County, Washington County, or Wright County.
Employers and groups
- Membership is open to individuals affiliated with one of the credit union's partner companies.
Family and household
- Membership is open to individuals who are related to a current member.
Membership information collected October 4, 2026.