Credit union · NCUA insured
Sterling Federal Credit Union CD Rates
Sterling Federal Credit Union’s best CD rate is 3.51% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Sterling Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fort Morgan, CO, where Sterling Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sterling Federal Credit Union
3.51%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $351
Share Certificates / CDs
Top rate
Wray State Bank
5.09%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $1,044
2nd-highest rate
Equitable Savings & Loan Association
3.98%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $4,774
Sterling Federal Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.46%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo2.84%
- QualifiedQualified3.51%
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 Sterling 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 / CDs
Up to 3.51%APY · 6 terms
Early withdrawal penalties apply. Dividends are paid and compounded monthly. Rate is specific to the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.46% | $172 |
| 12 months | 3.51% | $351 |
| 18 months | 3.35% | $507 |
| 24 months | 2.94% | $597 |
| 30 months | 2.84% | $725 |
| 36 months | 2.84% | $876 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificates / CDs
Up to 3.51%APY · 6 terms
Certificates can be purchased for either Traditional or Roth IRA. Dividends are paid and compounded monthly. The rate is specific to the term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.46% | $172 |
| 12 months | 3.51% | $351 |
| 18 months | 3.35% | $507 |
| 24 months | 2.94% | $597 |
| 30 months | 2.84% | $725 |
| 36 months | 2.84% | $876 |
Sources (2)
All captured Sep 17, 2026
Who can join Sterling Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.