Credit union · NCUA insured
State Department Federal Credit Union CD Rates
State Department Federal Credit Union’s best CD rate is 4.15% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How State Department Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where State Department Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
State Department Federal Credit Union
4.05%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $509
Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
State Department Federal Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.05%
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 State Department Federal 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.
Jumbo Certificate
Up to 4.15%APY · 7 terms
Open with a deposit of $100,000 or more. No service charges. For terms less than 12-months, dividends are paid upon maturity. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are paid upon maturity | 3.64% | — |
| 12 monthsDividends are compounded and credited quarterly and at maturity | 4.10% | — |
| 15 monthsDividends are compounded and credited quarterly and at maturity | 4.15% | — |
| 24 monthsDividends are compounded and credited quarterly and at maturity | 3.96% | — |
| 36 monthsDividends are compounded and credited quarterly and at maturity | 3.75% | — |
| 48 monthsDividends are compounded and credited quarterly and at maturity | 3.75% | — |
| 60 monthsDividends are compounded and credited quarterly and at maturity | 3.85% | — |
Sources (1)
- sdfcu.org/certificate-offer · captured Oct 22, 2026
Certificate
Up to 4.05%APY · 7 terms
Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are paid upon maturity; does not compound and credit quarterly | 3.55% | $176 |
| 12 monthsDividends are compounded and credited quarterly and at maturity | 4.00% | $400 |
| 15 monthsDividends are compounded and credited quarterly and at maturity | 4.05% | $509 |
| 24 monthsDividends are compounded and credited quarterly and at maturity | 3.85% | $785 |
| 36 monthsDividends are compounded and credited quarterly and at maturity | 3.65% | $1,135 |
| 48 monthsDividends are compounded and credited quarterly and at maturity | 3.65% | $1,542 |
| 60 monthsDividends are compounded and credited quarterly and at maturity | 3.75% | $2,021 |
Sources (1)
- sdfcu.org/certificate-offer · captured Oct 22, 2026
Jumbo Bump Up Certificate
Up to 3.70%APY · 3 terms
Minimum balance $100,000. Option to raise interest rate once during original term to the next prevailing rate. Additional funds can be added when bump option is exercised. Terms of 17, 30, or 45 months. Compounded and credited quarterly and at maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 monthsOption to adjust rate once during original term to next prevailing rate. Dividends compounded and credited quarterly and at maturity | 3.70% | — |
| 30 monthsOption to adjust rate once during original term to next prevailing rate. Dividends compounded and credited quarterly and at maturity | 3.49% | — |
| 45 monthsOption to adjust rate once during original term to next prevailing rate. Dividends compounded and credited quarterly and at maturity | 3.49% | — |
Sources (1)
- sdfcu.org/certificate-offer · captured Oct 22, 2026
Bump Up Certificate
Up to 3.60%APY · 3 terms
Starting with $500 to open. Option to raise interest rate once during original term to the next prevailing rate. Additional funds can be added when bump option is exercised. Terms of 17, 30, or 45 months. Compounded and credited quarterly and at maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 monthsOption to adjust rate once during original term to next prevailing rate. Dividends compounded and credited quarterly and at maturity | 3.60% | $514 |
| 30 monthsOption to adjust rate once during original term to next prevailing rate. Dividends compounded and credited quarterly and at maturity | 3.39% | $869 |
| 45 monthsOption to adjust rate once during original term to next prevailing rate. Dividends compounded and credited quarterly and at maturity | 3.39% | $1,332 |
Sources (1)
- sdfcu.org/certificate-offer · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 4.05%APY · 5 terms
Open for as little as $500 with terms ranging from 12-60 months. Available as Traditional or Roth options. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends are compounded and credited quarterly and at maturity. Traditional or Roth IRA options | 4.05% | $405 |
| 24 monthsDividends are compounded and credited quarterly and at maturity. Traditional or Roth IRA options | 3.91% | $797 |
| 36 monthsDividends are compounded and credited quarterly and at maturity. Traditional or Roth IRA options | 3.70% | $1,152 |
| 48 monthsDividends are compounded and credited quarterly and at maturity. Traditional or Roth IRA options | 3.70% | $1,564 |
| 60 monthsDividends are compounded and credited quarterly and at maturity. Traditional or Roth IRA options | 3.80% | $2,050 |
Sources (1)
- sdfcu.org/iras · captured Oct 22, 2026
Who can join State Department Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.