Credit union · NCUA insured
Tongass Federal Credit Union CD Rates
Tongass Federal Credit Union’s best CD rate is 3.04% APY on a 1-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Tongass Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Ketchikan, AK, where Tongass Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tongass Federal Credit Union
3.04%APY
- Term
- 1 month
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $25
Savings Builder Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Global Credit Union
4.00%APY
- Term
- 24–35 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- —
Tongass Federal Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo2.79%
- 31–60 months31–60 mo2.58%
- QualifiedQualified3.04%
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 Tongass 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.
Certificates
Up to 3.04%APY · 15 terms
Early withdrawal penalty applies. Minimum opening deposit $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 3 month; penalty for early withdrawal | 1.01% | $25 |
| 3–Unknown monthsTerm is 90-179 Days; penalty for early withdrawal | 0.30% | $7 |
| 6–Unknown monthsTerm is 180-364 Days; penalty for early withdrawal | 0.40% | $20 |
| 6 monthsTerm is 6 month; penalty for early withdrawal | 2.79% | $139 |
| 12 monthsTerm is 12 month; penalty for early withdrawal | 3.04% | $304 |
| 12–17 monthsTerm is 12 to 17 months; penalty for early withdrawal | 0.70% | $70 |
| 18 monthsTerm is 18 month; penalty for early withdrawal | 2.73% | $412 |
| 18–23 monthsTerm is 18 to 23 months; penalty for early withdrawal | 0.75% | $113 |
| 24 monthsTerm is 24 month; penalty for early withdrawal | 2.79% | $566 |
| 24–35 monthsTerm is 24 to 35 months; penalty for early withdrawal | 0.85% | $171 |
| 36 monthsTerm is 36 month; penalty for early withdrawal | 2.58% | $794 |
| 36–47 monthsTerm is 36 to 47 months; penalty for early withdrawal | 1.00% | $303 |
| 48 monthsTerm is 48 month; penalty for early withdrawal | 2.58% | $1,073 |
| 48–59 monthsTerm is 48 to 59 months; penalty for early withdrawal | 1.10% | $447 |
| 60 monthsTerm is 60 month; penalty for early withdrawal | 2.58% | $1,358 |
Sources (3)
All captured Sep 14, 2026
Savings Builder Certificate
3.04%APY · 1 term
1 month / 30 day maturity, renewable. $50 minimum to open, maximum balance $25,000. Allows frequent deposits with limited fund access. Dividends paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month1 month, renewable, $50 minimum to open, maximum $25,000. Penalty for early withdrawals | 3.04% | $25 |
Sources (3)
All captured Sep 14, 2026
Special-purpose accounts
IRA Certificates
Up to 3.15%APY · 11 terms
Includes Traditional, Roth, and Education SEP accounts. Minimum $500 to open IRA Certificates. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm is 12 month; penalty for early withdrawal | 3.15% | $315 |
| 12–17 monthsTerm is 12 to 17 months; penalty for early withdrawal | 0.80% | $80 |
| 18 monthsTerm is 18 month; penalty for early withdrawal | 2.84% | $429 |
| 18–23 monthsTerm is 18 to 23 months; penalty for early withdrawal | 0.85% | $128 |
| 24 monthsTerm is 24 month; penalty for early withdrawal | 2.89% | $586 |
| 24–35 monthsTerm is 24 to 35 months; penalty for early withdrawal | 0.95% | $191 |
| 36 monthsTerm is 36 month; penalty for early withdrawal | 2.68% | $826 |
| 36–47 monthsTerm is 36 to 47 months; penalty for early withdrawal | 1.10% | $334 |
| 48 monthsTerm is 48 month; penalty for early withdrawal | 2.68% | $1,116 |
| 48–59 monthsTerm is 48 to 59 months; penalty for early withdrawal | 1.21% | $493 |
| 60 monthsTerm is 60 month; penalty for early withdrawal | 2.68% | $1,414 |
Sources (3)
All captured Sep 14, 2026
Who can join Tongass Federal Credit Union
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