Credit union · NCUA insured
Social Security Credit Union CD Rates
Social Security Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Social Security Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Social Security Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Social Security Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $173
Certificates of Deposit
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Social Security Credit Union CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.50%
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 Social Security 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 3.50%APY · 4 terms
All members must open up a Share/Savings Account before being offered services. Early withdrawal penalty may apply. Dividend Rates are subject to change monthly. Interest received by compounding, monthly checks, or transfer to an SSCU account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.50% | $350 |
| 24 months | 3.25% | $661 |
| 36 months | 3.00% | $927 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.50%APY · 4 terms
Same rates as certificates above with maturities from 182 days to 36 months with minimum of $1,000 deposit. Early withdrawal penalty may apply. Dividend Rates are subject to change monthly. All members must open up a Share/Savings Account before being offered services.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMaturities from 182 days to 36 months | 3.50% | $173 |
| 12 monthsMaturities from 182 days to 36 months | 3.50% | $350 |
| 24 monthsMaturities from 182 days to 36 months | 3.25% | $661 |
| 36 monthsMaturities from 182 days to 36 months | 3.00% | $927 |
Sources (1)
- ssacu.com/dividend-rates · captured Sep 19, 2026
Who can join Social Security Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All permanent contracted employees that work in the Social Security Administration Building are eligible for membership.
- Individuals in other offices or divisions under the jurisdiction of the Southeastern Program Service Center are eligible for membership.
Military, government and schools
- Federal employees located in the Greater Metropolitan Birmingham area are eligible for membership.
- Current and retired employees of the Social Security Administration and other Department of Health and Human Services offices in the Metropolitan Birmingham area are eligible for membership.
Family and household
- Family members of the member, related by blood or marriage, are eligible for membership.
Membership information collected October 4, 2026.