Credit union · NCUA insured
Signature Federal Credit Union CD Rates
Top CarrotSignature Federal Credit Union’s best CD rate is 4.10% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Signature Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Signature Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Signature Federal Credit Union
4.10%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $203
Standard Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Signature Federal Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.99%
- 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 Signature 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.
Standard Share Certificate
Up to 4.10%APY · 9 terms
With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.95% | $97 |
| 6 months | 4.10% | $203 |
| 9 months | 4.05% | $302 |
| 12 months | 4.00% | $400 |
| 18 months | 3.85% | $583 |
| 24 months | 3.95% | $806 |
| 36 months | 3.99% | $1,245 |
| 48 months | 3.98% | $1,690 |
| 60 months | 3.90% | $2,108 |
Sources (3)
- signaturefcu.org/Products/Rates/Share.aspx
- signaturefcu.org/Products/Accounts/Certificates.aspx
- signaturefcu.org
All captured Sep 19, 2026
EZ Save Certificate
Up to 4.00%APY · 1 term
One EZ Save Certificate per account (limit $25,000). 12-month term; after 12 months you have the opportunity to transfer the balance to another Share Certificate. Additional deposits allowed anytime. Once balance reaches $25,000, must request earned dividends to be automatically transferred out to earn the full APY. Early withdrawal penalty applies excluding dividends.
| Term | APY · Up to $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsBalances over $25,000 earn 0.10% APY as stated on the product overview page | — | 0.10% | —0.10% from $25k | — |
| 12 monthsBalances over $25,000, including any paid dividends, earn 0.10% APY | — | 0.10% | —0.10% from $25k | — |
| 12 monthsBalances under $25,000 earn 3.55% APY as stated on the product overview page | 3.55% | — | 3.55% | $355 |
| 12 monthsBalances under $25,000 earn 4.00% APY. Initial deposit minimum is $50 | 4.00% | — | 4.00% | $400 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 4.10%APY · 9 terms
Share certificates are available as regular share and IRA certificates (including Traditional, Roth, ESA wrappers). Minimum opening balance of $500. No additional deposits can be made once the account is open. Rates are fixed for the term; penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.95% | $97 |
| 6 months | 4.10% | $203 |
| 9 months | 4.05% | $302 |
| 12 months | 4.00% | $400 |
| 18 months | 3.85% | $583 |
| 24 months | 3.95% | $806 |
| 36 months | 3.99% | $1,245 |
| 48 months | 3.98% | $1,690 |
| 60 months | 3.90% | $2,108 |
Sources (3)
- signaturefcu.org/Products/Rates/Share.aspx
- signaturefcu.org/Products/Accounts/Certificates.aspx
- signaturefcu.org
All captured Sep 19, 2026
Who can join Signature Federal Credit Union
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