Credit union · NCUA insured
Thiokol Elkton FCU CD Rates
Thiokol Elkton FCU’s best CD rate is 3.55% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Thiokol Elkton FCU’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Thiokol Elkton FCU has the most branches. $10,000, best rate first.
This credit union’s best
Thiokol Elkton FCU
3.55%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $355
Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Thiokol Elkton FCU CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.55%
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 Thiokol Elkton FCU 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.
Certificate
Up to 3.55%APY · 6 terms
Minimum deposit $500.00. Dividends are compounded and credited quarterly. Penalty for withdrawal = three months interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.03% | $150 |
| 12 months | 3.55% | $355 |
| 24 months | 3.03% | $615 |
| 36 months | 2.52% | $775 |
| 48 monthsOne-time step-up option if rates rise any time during the life of the Certificate | 2.02% | $833 |
| 60 monthsOne-time step-up option if rates rise any time during the life of the Certificate | 2.02% | $1,052 |
Sources (1)
- thiokolfcu.org/savings-and-checking/savings-rates · captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 3.55%APY · 6 terms
Certificate rates can also be applied to IRA deposits. Minimum deposit $500.00. Dividends are compounded and credited quarterly. Penalty for withdrawal = three months interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.03% | $150 |
| 12 months | 3.55% | $355 |
| 24 months | 3.03% | $615 |
| 36 months | 2.52% | $775 |
| 48 monthsOne-time step-up option if rates rise any time during the life of the Certificate | 2.02% | $833 |
| 60 monthsOne-time step-up option if rates rise any time during the life of the Certificate | 2.02% | $1,052 |
Sources (2)
All captured Oct 4, 2026
Who can join Thiokol Elkton FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Cecil County Firemen’s Association are eligible for membership.
- Employees of Northrop Grumman are eligible for membership.
Military, government and schools
- Employees of Cecil County Government are eligible for membership.
- Employees of Town of Elkton Government are eligible for membership.
Family and household
- Family members of employees of sponsor groups are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required to satisfy the Membership Share.
Membership information collected October 4, 2026.