Credit union · NCUA insured
Stepping Stones Community Federal Credit Union CD Rates
Stepping Stones Community Federal Credit Union’s best CD rate is 0.35% APY on a 5-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Stepping Stones Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Stepping Stones Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Stepping Stones Community Federal Credit Union
0.35%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $176
Share Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Stepping Stones Community Federal Credit Union CD score
60
CD score
Higher than 1% of U.S. banks and credit unions
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.20%
- 31–60 months31–60 mo0.35%
- QualifiedQualified0.35%
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 Stepping Stones Community 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.
Share Certificates
Up to 0.35%APY · 6 terms
Must be a member in good standing of Stepping Stones Community Federal Credit Union (requires purchasing 1 share for $5.00). Early withdrawal penalty applies (31 days' dividends for 6 months, 90 days' dividends for 12 months, 180 days' interest for >12 months). Accounts renew automatically with a 5-day grace period. No additional deposits permitted prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded monthly. Minimum balance required to earn APY is $100 | 0.10% | $10 |
| 18 monthsCompounded monthly. Minimum balance required to earn APY is $100 | 0.15% | $23 |
| 24 monthsCompounded monthly. Minimum balance required to earn APY is $100 | 0.20% | $40 |
| 36 monthsCompounded monthly. Minimum balance required to earn APY is $100 | 0.25% | $75 |
| 48 monthsCompounded monthly. Minimum balance required to earn APY is $100 | 0.30% | $121 |
| 60 monthsCompounded monthly. Minimum balance required to earn APY is $100 | 0.35% | $176 |
Sources (3)
- sscreditunion.org/wp-content/u…s-and-Privacy-Notice.pdf
- sscreditunion.org/personal/current-rates
- sscreditunion.org/certificate
All captured Sep 19, 2026
Who can join Stepping Stones Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, study, or volunteer in the city of Wilmington are eligible for membership.
Employers and groups
- Incorporated or unincorporated organizations located in Wilmington or maintaining a facility in Wilmington are eligible for membership.
Family and household
- Anyone with a family member who lives, works, worships, studies, or volunteers in the city of Wilmington is eligible for membership.
Other ways
- Clients of organizations working to lessen poverty or distress in Wilmington are eligible for membership.
Cost to join
- A $5 share deposit is required to open and activate an account, representing the value of a share in the credit union (stated as funded by the credit union this year) and must be maintained at all times.
Membership information collected October 4, 2026.