Credit union · NCUA insured
Strategic FCU CD Rates
Strategic FCU’s best CD rate is 3.76% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Strategic FCU’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Strategic FCU has the most branches. $10,000, best rate first.
This credit union’s best
Strategic FCU
3.76%APY
- Term
- 12 months
- Minimum
- $1,500
- Earns on $10,000
- $376
Share Certificates
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
Strategic FCU CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.66%
- 31–60 months31–60 mo3.66%
- QualifiedQualified3.76%
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 Strategic 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.
Share Certificates
Up to 3.76%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.76% | $376 |
| 18 months | 3.66% | $554 |
| 24 months | 3.66% | $745 |
| 36 months | 3.66% | $1,139 |
| 48 months | 3.66% | $1,546 |
| 60 months | 3.66% | $1,969 |
Sources (3)
- strategicfcu.org/products/accounts.html
- strategicfcu.org/rates.html
- strategicfcu.org/truth_in_savings.html
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 3.76%APY · 7 terms
Rates apply for Traditional, Roth and Education IRA's.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.76% | $376 |
| 18 months | 3.66% | $554 |
| 24 months | 3.66% | $745 |
| 36 months | 3.66% | $1,139 |
| 48 months | 3.66% | $1,546 |
| 60 months | 3.66% | $1,969 |
Sources (3)
- strategicfcu.org/products/accounts.html
- strategicfcu.org/rates.html
- strategicfcu.org/truth_in_savings.html
All captured Sep 19, 2026
Who can join Strategic FCU
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