Credit union · NCUA insured
Sunward Credit Union CD Rates
Sunward Credit Union’s best CD rate is 4.11% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Sunward Credit Union’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where Sunward Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sunward Credit Union
4.11%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $839
Standard Term Certificates
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $778
Sunward Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.11%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.11%
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 Sunward 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.
Standard Term Certificates
Up to 4.11%APY · 8 terms
Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.10% | $77 |
| 6 months | 3.65% | $181 |
| 9 months | 3.75% | $280 |
| 12 months | 4.00% | $400 |
| 24 months | 4.11% | $839 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.51% | $1,480 |
| 60 months | 3.56% | $1,911 |
FLEX Account
3.51%APY · 1 term
During the term, account owner may withdraw up to 50% of account balance once per calendar month without penalty. Withdrawals over 50% incur a penalty equivalent to 180 days' worth of dividends on the remaining amount. Early withdrawal penalty may apply. Available to personal and business members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 16 monthsStandard rate tier. APY if dividends are not withdrawn during the term | 3.51% | $471 |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
IRA Term Certificates
Up to 4.11%APY · 8 terms
IRA Term Certificates are available to personal members only. Early withdrawal penalty may apply. APY if dividends are not withdrawn during the term. Call 800.947.5328 to open an IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.10% | $77 |
| 6 months | 3.65% | $181 |
| 9 months | 3.75% | $280 |
| 12 months | 4.00% | $400 |
| 24 months | 4.11% | $839 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.51% | $1,480 |
| 60 months | 3.56% | $1,911 |
Who can join Sunward Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Valencia County, New Mexico can apply.
Employers and groups
- Membership is open to members of the American Consumer Council (ACC).
- Members of the Albuquerque International Association can apply.
- Individuals in Edgewood, NM and surrounding areas receiving electric power from CNMEC or water from EWWA can apply.
- Members of the National Museum of Nuclear Science & History can apply.
- Current and retired employees of more than 1,400 Sunward partner companies and their family and household members can apply for membership.
1 more way to join
Family and household
- Family and household members of current members can apply for membership.
Membership information collected October 4, 2026.