Credit union · NCUA insured
Spirit Financial CU CD Rates
Spirit Financial CU’s best CD rate is 4.15% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Spirit Financial CU’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Spirit Financial CU has the most branches. $10,000, best rate first.
This credit union’s best
Spirit Financial CU
4.15%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $847
Share Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Spirit Financial CU CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.15%
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 Spirit Financial CU 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 4.15%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 3.75% | $186 |
| 9 months | 3.75% | $280 |
| 12 months | 3.75% | $375 |
| 18 months | 3.75% | $568 |
| 24 months | 4.15% | $847 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 4.15%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 9 months | 3.75% | $280 |
| 12 months | 3.75% | $375 |
| 18 months | 3.75% | $568 |
| 24 months | 4.15% | $847 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (3)
- spiritfinancialcu.org/ira-accounts
- spiritfinancialcu.org/rates
- spiritfinancialcu.org/share-certificates
All captured Oct 6, 2026
Who can join Spirit Financial CU
This may be incomplete or out of date, so check with the credit union before you apply.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, or attend school anywhere in Bucks County, PA.
Family and household
- Membership is open to family members and immediate family members of existing Credit Union members.
Cost to join
- Opening membership requires an initial $5 deposit into a share savings account.
Membership information collected October 5, 2026.