Credit union · NCUA insured
Star Tech FCU CD Rates
Star Tech FCU’s best CD rate is 4.04% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Star Tech FCU’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Star Tech FCU has the most branches. $10,000, best rate first.
This credit union’s best
Star Tech FCU
4.04%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $404
Savings Certificate of Deposit
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Star Tech FCU CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo4.04%
- 16–30 months16–30 mo3.54%
- 31–60 months31–60 mo3.54%
- QualifiedQualified4.04%
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 Star Tech FCU 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 Certificate of Deposit
Up to 4.04%APY · 6 terms
Early withdrawal penalties apply: CD terms ≤ 1 year – Early withdrawal penalty is equal to 30 days' worth of dividends; CD terms > 1 year – Early withdrawal penalty is equal to 90 days' worth of dividends. Dividends added quarterly. No fee if account falls below minimum balance.
| Term | APY · $500 – $9,999 | APY · $10,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.29% | 3.29% | 3.29% | 3.29%3.29% $500–$10k3.29% from $100k | $163 |
| 12 months | 4.04% | 4.04% | 4.04% | 4.04%4.04% $500–$10k4.04% from $100k | $404 |
| 18 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $536 |
| 24 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $721 |
| 36 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $1,100 |
| 48 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $1,493 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.04%APY · 6 terms
Traditional and Roth IRA wrappers available. Early withdrawal penalties apply: CD terms ≤ 1 year – Early withdrawal penalty is equal to 30 days' worth of dividends; CD terms > 1 year – Early withdrawal penalty is equal to 90 days' worth of dividends. Dividends added quarterly. No fee if account falls below minimum balance.
| Term | APY · $500 – $9,999 | APY · $10,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.29% | 3.29% | 3.29% | 3.29%3.29% $500–$10k3.29% from $100k | $163 |
| 12 months | 4.04% | 4.04% | 4.04% | 4.04%4.04% $500–$10k4.04% from $100k | $404 |
| 18 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $536 |
| 24 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $721 |
| 36 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $1,100 |
| 48 months | 3.54% | 3.54% | 3.54% | 3.54%3.54% $500–$10k3.54% from $100k | $1,493 |
Sources (2)
All captured Oct 15, 2026
Who can join Star Tech FCU
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