Credit union · NCUA insured
TLCU Financial CD Rates
Top CarrotTLCU Financial’s best CD rate is 4.07% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How TLCU Financial’s CD rates compare
Compared with banks and credit unions near South Bend, IN-MI, where TLCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
TLCU Financial
4.07%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $201
Share Certificates
Top rate
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
2nd-highest rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
TLCU Financial CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo2.99%
- QualifiedQualified4.07%
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 TLCU Financial 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
Up to 4.07%APY · 6 terms
Dividends may be added to the certificate, mailed monthly, or posted to another account at the credit union.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.07% | $201 |
| 9 months | 4.07% | $304 |
| 12 months | 3.82% | $382 |
| 18 months | 3.56% | $539 |
| 24 months | 3.30% | $671 |
| 36 months | 2.99% | $924 |
Who can join TLCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living or working in LaGrange County, Marshall County, Elkhart County, or St. Joseph County is eligible for membership.
Employers and groups
- Employees of listed Select Employee Groups in Mishawaka, Topeka, and Bremen qualify for membership.
Family and household
- Individuals who have a family member with an existing TLCU Financial account are eligible for membership.
Membership information collected October 5, 2026.