Credit union · NCUA insured
Skyward Credit Union CD Rates
Skyward Credit Union’s best CD rate is 4.35% APY on a 30-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Skyward Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Skyward Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Skyward Credit Union
4.35%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,123
Share Certificate
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
2nd-highest rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Skyward Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo2.30%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.35%
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 Skyward 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 Certificate
Up to 4.35%APY · 9 terms
Requires an open regular share account and a minimum deposit of $1,000.00 unless noted otherwise. Early withdrawals may be subject to penalty. Dividends compounded and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalties may apply. Dividends compounded and paid quarterly | 2.30% | $114 |
| 8 monthsSpecial promotional rate. Applies to Share Certificates only. Roth and Traditional IRA certificates are not eligible. Promotion subject to change. Limited time offer. Early withdrawal penalties may apply. Dividends compounded and paid quarterly | 4.00% | $265 |
| 12 monthsEarly withdrawal penalties may apply. Dividends compounded and paid quarterly | 2.30% | $230 |
| 20 monthsSpecial promotional rate. Applies to Share Certificates only. Roth and Traditional IRA certificates are not eligible. Promotion subject to change. Limited time offer. Early withdrawal penalties may apply. Dividends compounded and paid quarterly | 4.15% | $701 |
| 24 monthsEarly withdrawal penalties may apply. Dividends compounded and paid quarterly | 2.75% | $558 |
| 30 monthsSpecial promotional rate. Applies to Share Certificates only. Roth and Traditional IRA certificates are not eligible. Promotion subject to change. Limited time offer. Early withdrawal penalties may apply. Dividends compounded and paid quarterly | 4.35% | $1,123 |
| 36 monthsEarly withdrawal penalties may apply. Dividends compounded and paid quarterly | 3.00% | $927 |
| 48 monthsEarly withdrawal penalties may apply. Dividends compounded and paid quarterly | 3.00% | $1,255 |
| 60 monthsEarly withdrawal penalties may apply. Dividends compounded and paid quarterly | 3.00% | $1,593 |
Skyward Saver (Add-on)
2.30%APY · 1 term
Add-on certificate. Early withdrawal penalties may apply and could reduce earnings or principal. Dividends compounded and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdd-on certificate. Early withdrawal penalties may apply. Dividends compounded and paid quarterly | 2.30% | $230 |
Sources (1)
- skywardcu.com/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 3.00%APY · 6 terms
Fixed-term, fixed-rate IRA certificates available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account (CESA). Subject to IRS rules and annual contribution limits. Early withdrawal penalties may apply and could reduce earnings or principal. Dividends compounded and credited based on the certificate term selected.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubject to IRS rules and annual contribution limits. Early withdrawal penalties may apply. Dividends are compounded and credited based on the certificate term selected | 2.30% | $114 |
| 12 monthsSubject to IRS rules and annual contribution limits. Early withdrawal penalties may apply. Dividends are compounded and credited based on the certificate term selected | 2.30% | $230 |
| 24 monthsSubject to IRS rules and annual contribution limits. Early withdrawal penalties may apply. Dividends are compounded and credited based on the certificate term selected | 2.75% | $558 |
| 36 monthsSubject to IRS rules and annual contribution limits. Early withdrawal penalties may apply. Dividends are compounded and credited based on the certificate term selected | 3.00% | $927 |
| 48 monthsSubject to IRS rules and annual contribution limits. Early withdrawal penalties may apply. Dividends are compounded and credited based on the certificate term selected | 3.00% | $1,255 |
| 60 monthsSubject to IRS rules and annual contribution limits. Early withdrawal penalties may apply. Dividends are compounded and credited based on the certificate term selected | 3.00% | $1,593 |
Who can join Skyward Credit Union
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