Credit union · NCUA insured
Signet Federal Credit Union CD Rates
Top CarrotSignet Federal Credit Union’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How Signet Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Paducah, KY-IL, where Signet Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Signet Federal Credit Union
3.90%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $390
Share Certificates
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Signet Federal Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.90%
- QualifiedQualified3.90%
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 Signet 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.
Share Certificates
Up to 3.90%APY · 3 terms
Minimum deposit is $1,000.00. Rates and terms are adjusted periodically to reflect market conditions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance requirement to open and earn APY is $1,000.00. Automatically renews into a 12-Month certificate at maturity with a 10-calendar-day grace period. Early withdrawal penalty is 90 days interest. No additional deposits allowed once established | 3.80% | $188 |
| 12 monthsMinimum balance requirement to open and earn APY is $1,000.00. Automatically renews into a 12-Month certificate at maturity with a 10-calendar-day grace period. Early withdrawal penalty is 90 days interest. No additional deposits allowed once established | 3.90% | $390 |
| 24 monthsMinimum balance requirement to open and earn APY is $1,000.00. Automatically renews into a 12-Month certificate at maturity with a 10-calendar-day grace period. Early withdrawal penalty is 90 days interest. No additional deposits allowed once established | 3.90% | $795 |
Sources (1)
- signetfcu.com/certificates · captured Sep 19, 2026
Who can join Signet Federal 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 anyone who lives, works, volunteers, attends church, or attends school in Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall, and McCracken counties.
Membership information collected October 4, 2026.