Credit union · NCUA insured
Singing River Federal Credit Union CD Rates
Singing River Federal Credit Union’s best CD rate is 3.60% APY on a 5-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Singing River Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Gulfport, MS, where Singing River Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Singing River Federal Credit Union
3.60%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $148
Certificates of Deposit
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
Singing River Federal Credit Union CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo1.26%
- QualifiedQualified3.60%
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 Singing River 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.
Certificates of Deposit
Up to 3.60%APY · 9 terms
$1,000 minimum opening deposit. Choose a term from 3 months to 5 years. No setup or maintenance fees. Early withdrawals are subject to penalty. Fixed, guaranteed rates.
| Term | APY · Any balance | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsPenalty for early withdrawal | — | 0.35% | 0.45% | 0.55% | 0.35%0.45% $50k–$100k0.55% from $100k | $9 |
| 5 months | 3.60% | — | — | — | 3.60% | $148 |
| 6 monthsPenalty for early withdrawal | — | 0.35% | 0.45% | 0.55% | 0.35%0.45% $50k–$100k0.55% from $100k | $17 |
| 12 monthsPenalty for early withdrawal | — | 0.75% | 0.85% | 0.95% | 0.75%0.85% $50k–$100k0.95% from $100k | $75 |
| 13 months | 3.25% | — | — | — | 3.25% | $353 |
| 24 monthsPenalty for early withdrawal | — | 1.00% | 1.11% | 1.21% | 1.00%1.11% $50k–$100k1.21% from $100k | $201 |
| 36 monthsPenalty for early withdrawal | — | 0.85% | 0.95% | 1.06% | 0.85%0.95% $50k–$100k1.06% from $100k | $257 |
| 48 monthsPenalty for early withdrawal | — | 1.11% | 1.21% | 1.31% | 1.11%1.21% $50k–$100k1.31% from $100k | $451 |
| 60 monthsPenalty for early withdrawal | — | 1.26% | 1.36% | 1.46% | 1.26%1.36% $50k–$100k1.46% from $100k | $646 |
Sources (3)
All captured Oct 15, 2026
Who can join Singing River 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 individuals who live, work, worship, attend school, and do business within specified Alabama and Mississippi counties.
Membership information collected October 4, 2026.