Credit union · NCUA insured
Sterling United FCU CD Rates
Top CarrotSterling United FCU’s best CD rate is 4.28% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Sterling United FCU’s CD rates compare
Compared with banks and credit unions near Evansville, IN, where Sterling United FCU has the most branches. $10,000, best rate first.
This credit union’s best
Sterling United FCU
4.28%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $428
Term Certificate of Deposit
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
Sterling United FCU CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.13%
- 9–15 months9–15 mo4.28%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.28%
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 United 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.
Term Certificate of Deposit
Up to 4.28%APY · 7 terms
Early withdrawals are subject to 180 days penalty on earned or unearned dividends. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 4.13% | $204 |
| 12 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 4.28% | $428 |
| 18 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.25% | $491 |
| 24 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.25% | $661 |
| 36 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.25% | $1,007 |
| 48 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.35% | $1,409 |
| 60 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.45% | $1,848 |
Special-purpose accounts
IRA Certificate
Up to 4.33%APY · 7 terms
Early withdrawals are subject to 180 days penalty on earned or unearned dividends. Fees could reduce earnings on the account. No set-up costs or annual fees.
| Term | APY · Any balance | APY · $100 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownVariable rate. Rate may change after account opening | — | 0.30% | 0.30% | $0 |
| 12 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 4.33% | — | 4.33% | $433 |
| 18 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.30% | — | 3.30% | $499 |
| 24 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.30% | — | 3.30% | $671 |
| 36 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.30% | — | 3.30% | $1,023 |
| 48 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.40% | — | 3.40% | $1,431 |
| 60 monthsEarly withdrawals are subject to 180 days penalty on earned or unearned dividends | 3.51% | — | 3.51% | $1,883 |
Who can join Sterling United FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Posey, Vanderburgh, or Warrick County, Indiana, or Henderson County, Kentucky are eligible for membership.
Family and household
- Immediate family members (including children, parents, siblings, grandparents, grandchildren, and step relatives) of current members or of individuals who meet geographic eligibility criteria are eligible to join.
- Individuals who live in the same household as a current member are eligible for membership.
Cost to join
- A minimum share savings deposit of $5 is required for ownership, with no membership fee.
Membership information collected October 5, 2026.