Credit union · NCUA insured
Switch Federal Credit Union CD Rates
Top CarrotSwitch Federal Credit Union’s best CD rate is 3.92% APY on a 13-month share certificate (CD). Terms run from 13 months to 3 years. Rates checked October 16, 2026.
How Switch Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hermitage, PA, where Switch Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Switch Federal Credit Union
3.92%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $425
Share Certificates
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
Switch Federal Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 9–15 months9–15 mo3.92%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo3.92%
- QualifiedQualified3.92%
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 Switch 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
3.92%APY · 3 terms
Funds cannot be added after the initial deposit, and early withdrawals will result in a penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 3.92% | $425 |
| 24 months | 3.92% | $799 |
| 36 months | 3.92% | $1,223 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Share Certificates
3.92%APY · 3 terms
Invest $500 or more for a fixed period. Dividends are calculated daily and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 3.92% | $425 |
| 24 months | 3.92% | $799 |
| 36 months | 3.92% | $1,223 |
Sources (2)
All captured Sep 25, 2026
Who can join Switch Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, do business in, worship, or attend school in Mercer County, Pennsylvania are eligible to join.
Family and household
- Immediate family members of eligible members are welcome to join.
Cost to join
- There are no membership fees, but an initial minimum deposit of $50 in a Share Account (regular savings account) is required to establish and maintain membership.
Membership information collected October 5, 2026.