Credit union · NCUA insured
Timberland Federal Credit Union CD Rates
Timberland Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 16, 2026.
How Timberland Federal Credit Union’s CD rates compare
Compared with banks and credit unions near State College, PA, where Timberland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Timberland Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Share Certificate
Top rate
Arize Federal Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $412
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Timberland Federal Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
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 Timberland 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 Certificate
Up to 4.00%APY · 7 terms
No setup or maintenance fees. Early withdrawals subject to penalty. Certificate Loyalty Reward: up to 0.25% APY increase for membership tenure of 5 years with checking account and direct deposit of $500+ (maximum interest increase: 0.25%). Non-member deposits must be approved by Executive management and are subject to a 0.25% APY decrease.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly | 4.00% | $198 |
| 12 monthsDividends paid quarterly | 3.75% | $375 |
| 18 monthsDividends paid quarterly | 3.00% | $453 |
| 24 monthsDividends paid quarterly | 3.50% | $712 |
| 36 monthsDividends paid quarterly | 3.00% | $927 |
| 60 monthsDividends paid quarterly | 2.50% | $1,314 |
| 84 monthsDividends paid quarterly | 2.00% | $1,487 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 7 terms
Available as Traditional and Roth IRA options. Funds in IRA can be used to purchase share certificates. No setup fees, no monthly or annual maintenance fees. Early withdrawals subject to penalty. Certificate Loyalty Reward: up to 0.25% APY increase for membership tenure of 5 years with checking account and direct deposit of $500+ (maximum interest increase: 0.25%). Non-member deposits must be approved by Executive management and are subject to a 0.25% APY decrease.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly | 4.00% | $198 |
| 12 monthsDividends paid quarterly | 3.75% | $375 |
| 18 monthsDividends paid quarterly | 3.00% | $453 |
| 24 monthsDividends paid quarterly | 3.50% | $712 |
| 36 monthsDividends paid quarterly | 3.00% | $927 |
| 60 monthsDividends paid quarterly | 2.50% | $1,314 |
| 84 monthsDividends paid quarterly | 2.00% | $1,487 |
Sources (2)
All captured Sep 17, 2026
Who can join Timberland 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
- Anyone who lives, works, worships, or attends school in Armstrong, Blair, Cambria, Cameron, Centre, Clarion, Clearfield, Clinton, Elk, Forest, Huntingdon, Indiana, Jefferson, or Mifflin County in Pennsylvania is eligible for membership.
Employers and groups
- Employees of designated Select Employee Group businesses and members of certain associational groups in the credit union's field of membership are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) and household members living in the same residence maintaining a single economic unit with a current member are eligible to join.
Cost to join
- Eligible members can join by opening a share savings account with a $5 deposit.
Membership information collected October 5, 2026.