Credit union · NCUA insured
Sorg Bay West Federal Credit Union CD Rates
Sorg Bay West Federal Credit Union’s best CD rate is 2.78% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Sorg Bay West Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Sorg Bay West Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sorg Bay West Federal Credit Union
2.78%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $138
Certificate of Deposit
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Sorg Bay West Federal Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.78%
- QualifiedQualified2.78%
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 Sorg Bay West 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.
Certificate of Deposit
2.78%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.78% | $138 |
| 12 months | 2.78% | $278 |
| 24 months | 2.78% | $564 |
Sources (1)
- sorgbaywest.com/sharerated · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
2.78%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.78% | $278 |
| 24 months | 2.78% | $564 |
Sources (1)
- sorgbaywest.com/sharerated · captured Oct 16, 2026
Who can join Sorg Bay West 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, or worship within the City of Middletown are eligible for membership.
Membership information collected October 5, 2026.