Credit union · NCUA insured
Superior Choice Credit Union CD Rates
Superior Choice Credit Union’s best CD rate is 3.40% APY on a 13-month share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Superior Choice Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Superior Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Superior Choice Credit Union
3.40%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $369
Share Certificate
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Superior Choice Credit Union CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.40%
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 Superior Choice 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 Certificate
Up to 3.40%APY · 12 terms
Dividends compounded monthly. Penalty imposed for early withdrawal. Minimum deposit to open is $500.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.30% | 0.30% | 0.30%0.30% from $100k | $7 |
| 6 months | 2.75% | 2.75% | 2.75%2.75% from $100k | $137 |
| 12 months | 2.50% | 2.50% | 2.50%2.50% from $100k | $250 |
| 13 monthsApplies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term requested by the member based on SCCU currently offered rate. Promotional rate | 3.40% | 3.40% | 3.40%3.40% from $100k | $369 |
| 18 months | 2.50% | 2.50% | 2.50%2.50% from $100k | $377 |
| 23 monthsApplies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term requested by the member based on SCCU currently offered rate. Promotional rate | 3.40% | 3.40% | 3.40%3.40% from $100k | $662 |
| 24 months | 2.50% | 2.50% | 2.50%2.50% from $100k | $506 |
| 30 months | 2.50% | 2.50% | 2.50%2.50% from $100k | $637 |
| 36 months | 2.25% | 2.25% | 2.25%2.25% from $100k | $690 |
| 48 months | 2.25% | 2.25% | 2.25%2.25% from $100k | $931 |
| 60 months | 2.25% | 2.25% | 2.25%2.25% from $100k | $1,177 |
| 84 months | 2.00% | 2.00% | 2.00%2.00% from $100k | $1,487 |
Sources (1)
- superiorchoice.com/accounts/savings/share-certificates · captured Oct 5, 2026
Special-purpose accounts
Youth Share Certificate
3.00%APY · 1 term
Available ages 0-24. Automatically renews into 12 month youth certificate until age 24, after which it rolls over into a standard 12 month Share Certificate. Ability to make additional deposits of $100 or more up to $6,000 maximum deposit amount until maturity. Dividends compounded monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for ages 0-24. Additional deposits of $100 or more allowed up to $6,000 maximum deposit amount | 3.00% | — |
Sources (1)
- superiorchoice.com/accounts/sa…are-certificate/youth-sc · captured Oct 5, 2026
Who can join Superior Choice 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 employed or living in designated counties in Wisconsin (Ashland, Barron, Bayfield, Burnett, Clark, Chippewa, Douglas, Dunn, Eau Claire, Iron, Rusk, Sawyer, Taylor, Washburn) or Minnesota (Carlton, Itasca, St. Louis) are eligible for membership.
Military, government and schools
- Members of various local schools are eligible for membership.
Other ways
- Depositors or borrowers of Dairyland State Bank obtained in the purchase and assumption transaction effective August 31, 2018 are eligible for membership.
Cost to join
- A share account of $5 must be established and maintained at all times to enjoy membership benefits.
Membership information collected October 5, 2026.