Credit union · NCUA insured
The District Credit Union CD Rates
The District Credit Union’s best CD rate is 3.70% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How The District Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where The District Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The District Credit Union
3.70%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $214
65th Anniversary CD Special
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
The District Credit Union CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.05%
- 31–60 months31–60 mo2.35%
- QualifiedQualified3.70%
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 The District 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.
65th Anniversary CD Special
3.70%APY · 1 term
Limited-time anniversary offer. Membership eligibility required. Early withdrawal penalties apply and may reduce earnings. Upon maturity, funds generally roll over into share savings account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsApplies to new 7-month term certificates only. Open to new and existing members | 3.70% | $214 |
Sources (2)
All captured Oct 15, 2026
Jumbo Term Certificates
Up to 2.60%APY · 6 terms
Dividends are compounded daily and credited monthly. Certificates are automatically renewed to the Share Savings account upon maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: Terms less than 6 months – 90 days dividends | 2.10% | $104 |
| 12 monthsEarly withdrawal penalty: 180 days dividends | 2.15% | $215 |
| 24 monthsEarly withdrawal penalty: 360 days dividends | 2.25% | $455 |
| 36 monthsEarly withdrawal penalty: 360 days dividends | 2.35% | $722 |
| 48 monthsEarly withdrawal penalty: 720 days dividends | 2.45% | $1,017 |
| 60 monthsEarly withdrawal penalty: 720 days dividends | 2.60% | $1,369 |
Sources (1)
- districtcreditunion.com/rates · captured Oct 15, 2026
Regular Term Certificates
Up to 2.35%APY · 9 terms
Dividends are compounded daily and credited monthly. Certificates are automatically renewed to the Share Savings account upon maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: Terms less than 12 months – 90 days dividends | 0.10% | $2 |
| 6 months6-Month Add-on Certificate. Early withdrawal penalty: Terms less than 12 months – 90 days dividends | 1.95% | $97 |
| 6 monthsEarly withdrawal penalty: Terms less than 12 months – 90 days dividends | 1.95% | $97 |
| 12 monthsEarly withdrawal penalty: 12 to less than 24 months – 180 days dividends | 2.00% | $200 |
| 18 monthsEarly withdrawal penalty: 12 to less than 24 months – 180 days dividends | 2.05% | $309 |
| 24 months24 Month Add-on Certificate. Early withdrawal penalty: 24 to less than 48 months – 360 days dividends | 2.00% | $404 |
| 24 monthsEarly withdrawal penalty: 24 to less than 48 months – 360 days dividends | 2.00% | $404 |
| 30 monthsEarly withdrawal penalty: 24 to less than 48 months – 360 days dividends | 2.05% | $520 |
| 36 monthsEarly withdrawal penalty: 24 to less than 48 months – 360 days dividends | 2.10% | $643 |
| 48 monthsEarly withdrawal penalty: 48 months or greater – 540 days dividends | 2.20% | $909 |
| 60 monthsEarly withdrawal penalty: 48 months or greater – 540 days dividends | 2.35% | $1,232 |
Sources (1)
- districtcreditunion.com/rates · captured Oct 15, 2026
Special-purpose accounts
Traditional IRA and ROTH IRA Term Certificates
Up to 2.45%APY · 5 terms
Dividends are compounded daily and credited monthly. Certificates are automatically renewed to the Share Savings account upon maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty: 12 to less than 24 months – 180 days dividends | 2.00% | $200 |
| 24 monthsEarly withdrawal penalty: 24 to less than 48 months – 360 days dividends | 2.10% | $424 |
| 36 monthsEarly withdrawal penalty: 24 to less than 48 months – 360 days dividends | 2.20% | $675 |
| 48 monthsEarly withdrawal penalty: 48 months or greater – 540 days dividends | 2.30% | $952 |
| 60 monthsEarly withdrawal penalty: 48 months or greater – 540 days dividends | 2.45% | $1,287 |
Sources (1)
- districtcreditunion.com/rates · captured Oct 15, 2026
Who can join The District Credit Union
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