Credit union · NCUA insured
Spokane Firefighters Credit Union CD Rates
Spokane Firefighters Credit Union’s best CD rate is 3.29% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Spokane Firefighters Credit Union’s CD rates compare
Compared with banks and credit unions near Spokane, WA, where Spokane Firefighters Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spokane Firefighters Credit Union
3.29%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $329
Certificate
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
Spokane Firefighters Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.27%
- QualifiedQualified3.29%
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 Spokane Firefighters 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
Up to 3.29%APY · 5 terms
Penalty for early withdrawal. Fees may reduce earnings. Platinum members receive 0.25% APY and Gold members receive 0.15% APY above posted rates through Member Rewards.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Fees may reduce earnings | 3.03% | $150 |
| 12 monthsPenalty for early withdrawal. Fees may reduce earnings | 3.29% | $329 |
| 24 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.02% | $408 |
| 36 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.02% | $618 |
| 48 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.27% | $939 |
Special-purpose accounts
IRA Certificate
Up to 3.29%APY · 5 terms
Penalty for early withdrawal. Fees may reduce earnings. Platinum members receive 0.25% APY and Gold members receive 0.15% APY above posted rates through Member Rewards.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Fees may reduce earnings | 3.03% | $150 |
| 12 monthsPenalty for early withdrawal. Fees may reduce earnings | 3.29% | $329 |
| 24 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.02% | $408 |
| 36 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.02% | $618 |
| 48 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.27% | $939 |
Sources (1)
- firecu.net/savings-rates · captured Sep 15, 2026
Who can join Spokane Firefighters Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Spokane Firefighters Credit Union are eligible for membership.
Military, government and schools
- Employees of any fire department or fire district located in specified Panhandle counties in Idaho (Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone) are eligible for membership.
- Persons who retired from a full-time job with any fire department or fire district in North America and live in specified Idaho counties (Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone) are eligible for membership.
- Persons who retired from a full-time job with any fire department or fire district in North America and live in any school district within the state of Washington are eligible for membership.
- Employees of any fire department or fire district in the state of Washington are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, parents-in-law, children-in-law, grandparent, grandchild, including step and adoptive relationships) of primary membership groups are eligible for membership.
1 more way to join
Other ways
- Directors, employees, volunteers, and retirees of any of the eligible organizations (fire departments/districts in WA or specified ID counties, or the credit union) are eligible for membership.
Membership information collected October 4, 2026.