Credit union · NCUA insured
St. James Parish Credit Union CD Rates
St. James Parish Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How St. James Parish Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where St. James Parish Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. James Parish Credit Union
3.82%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $382
Term Certificates
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
St. James Parish Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.76%
- 31–60 months31–60 mo0.35%
- QualifiedQualified3.82%
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 St. James Parish 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.
Term Certificates
Up to 3.82%APY · 8 terms
Products and services limited to St. James Parish Credit Union members only. Certificates compound and credit dividends monthly. Subject to penalties for early withdrawal. Deposit of new funds limited to $100,000 per member. Rates apply for $25,000 new funds maximum or funds already on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRates for $25,000 new fund maximum or funds already on deposit | 2.78% | $138 |
| 9 monthsRates for $25,000 new fund maximum or funds already on deposit | 2.78% | $208 |
| 12 monthsRates for $25,000 new fund maximum or funds already on deposit | 3.82% | $382 |
| 18 monthsRates for $25,000 new fund maximum or funds already on deposit | 3.76% | $569 |
| 24 monthsRates for $25,000 new fund maximum or funds already on deposit | 3.71% | $756 |
| 36 monthsRates for $25,000 new fund maximum or funds already on deposit | 0.25% | $75 |
| 48 monthsRates for $25,000 new fund maximum or funds already on deposit | 0.35% | $141 |
| 60 monthsRates for $25,000 new fund maximum or funds already on deposit | 0.35% | $176 |
Special-purpose accounts
IRA Term Certificates
Up to 3.82%APY · 6 terms
Products and services limited to St. James Parish Credit Union members only. Certificates compound and credit dividends monthly. Subject to penalties for early withdrawal and may be subject to IRS penalties. Deposit of new funds limited to $100,000 per member. Rates apply for $25,000 new funds maximum or funds already on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT | 3.82% | $382 |
| 18 monthsRATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT | 3.76% | $569 |
| 24 monthsRATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT | 3.71% | $756 |
| 36 monthsRATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT | 0.25% | $75 |
| 48 monthsRATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT | 0.35% | $141 |
| 60 monthsRATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT | 0.35% | $176 |
Who can join St. James Parish Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of St. James Roman Catholic Parish of White Oak, Cincinnati, OH.
- Membership is open to all employees of the credit union.
- Membership is open to selected groups.
Military, government and schools
- Membership extends to faculty and students of St. James Parish School and members within their households.
Family and household
- Membership is open to relatives of parish members, including spouses, widowers, parents, grandparents, siblings, children, grandchildren, or dependents within a parish member's household.
- Membership is open to family members of credit union employees, including spouses, widowers, parents, grandparents, siblings, children, grandchildren, or dependents within the employee's household.
Membership information collected October 5, 2026.