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Credit union · NCUA insured

The Health and Education Federal Credit Union CD Rates

The Health and Education Federal Credit Union’s best CD rate is 3.91% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.

How The Health and Education Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Lexington, KY, where The Health and Education Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    The Health and Education Federal Credit Union

    3.91%APY

    Term
    12 months
    Minimum
    $1,000
    Earns on $10,000
    $391

    Certificates of Deposit

  • Top rate

    UK Credit Union

    5.00%APY

    Term
    9 months
    Minimum
    $1,000
    Earns on $10,000
    $373

    UK Credit Union rates

  • Top Carrot, Carrot Score 95

    2nd-highest rate

    Commonwealth Credit Union

    5.00%APY

    Term
    24 months
    Minimum
    $5
    Earns on $10,000
    $1,025

    Commonwealth Credit Union rates

Compare CD rates near you →

The Health and Education Federal Credit Union CD score

75

CD score

Higher than 39% of U.S. banks and credit unions

By term
  • 9–15 months9–15 mo3.91%
  • 16–30 months16–30 mo3.29%
  • 31–60 months31–60 mo3.03%
  • QualifiedQualified3.91%

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.

How the score works →

Where The Health and Education 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.

Who can join The Health and Education Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of certain employer groups are eligible for membership.

Family and household

  • Immediate family members of current credit union members (spouses, children, siblings, parents, grandchildren, grandparents, and adoptive relationships) are eligible for membership.

Cost to join

  • The minimum balance required on savings accounts is $25.00 with no fees.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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