Spirit of Alaska Credit Union CD Rates

How Spirit of Alaska Credit Union’s CD rates compare

Compared with banks and credit unions near Fairbanks, AK, where Spirit of Alaska Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Spirit of Alaska Credit Union
3.50%APY
Term
12 months
Requires
None
Minimum
$500
Earns on $10,000
$350
Savings Certificates
Top rate
Wells Fargo
4.25%APY
Term
11 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$389
Wells Fargo rates
2nd-highest rate
Global Credit Union
4.00%APY
Term
24–35 months
Requires
Another account
Minimum
$500
Earns on $10,000
—
Global Credit Union rates

Compare CD rates near you →

CD score

Higher than 21% of U.S. banks and credit unions

By term

3–8 months3–8 mo2.75%
9–15 months9–15 mo3.50%
16–30 months16–30 mo3.00%
31–60 months31–60 mo2.15%
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.

How the score works →

Where Spirit of Alaska 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.

Savings Certificates

Up to 3.50%APY · 9 termsFrom $500 to open

Fixed rates and guaranteed returns. Dividends paid at monthly intervals and can be withdrawn before maturity without penalty (no dividends paid on amount withdrawn). Penalties apply for early withdrawal of principal. Early withdrawal penalties may apply.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $500 – $50,000	APY	Earns on $10,000Earns
3 months	1.75%	—	1.75%	$43
6 months	2.75%	—	2.75%	$137
12 monthsMaximum balance of $50,000.00	—	3.50%	3.50%	$350
18 months	3.00%	—	3.00%	$453
24 months	2.50%	—	2.50%	$506
30 months	2.25%	—	2.25%	$572
36 months	2.15%	—	2.15%	$659
48 months	2.00%	—	2.00%	$824
60 months	1.75%	—	1.75%	$906

Sources (2)

All captured Oct 14, 2026

Special-purpose accounts

Certificate IRA

Up to 3.50%APY · 9 termsIRAFrom $500 to open

Disclosure of terms applicable to IRA Share Certificate Accounts. Early withdrawal penalties may apply. Consult tax advisor to help determine the best IRA.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $500 – $50,000	APY	Earns on $10,000Earns
3 months	1.75%	—	1.75%	$43
6 months	2.75%	—	2.75%	$137
12 monthsMaximum balance of $50,000.00	—	3.50%	3.50%	$350
18 months	3.00%	—	3.00%	$453
24 months	2.50%	—	2.50%	$506
30 months	2.25%	—	2.25%	$572
36 months	2.15%	—	2.15%	$659
48 months	2.00%	—	2.00%	$824
60 months	1.75%	—	1.75%	$906

Sources (2)

All captured Oct 14, 2026

Who can join Spirit of Alaska Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Any person who lives, works, or worships within the Fairbanks North Star Borough is eligible for membership.

Employers and groups

Members of the Golden Valley Electric Association are eligible for membership.

Military, government and schools

Alumni of colleges and universities located within the credit union's field of membership, members of their immediate families, and organizations of such persons are eligible for membership.
Employees and students of public, private, and parochial schools, high schools, and institutions of higher learning north of the Alaska Range are eligible for membership.
Persons retired as pensioners or annuitants from school or higher learning employment north of the Alaska Range are eligible for membership.

Family and household

Immediate family members of current credit union members are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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