Credit union · NCUA insured
Topside Federal Credit Union CD Rates
Topside Federal Credit Union’s best CD rate is 3.80% APY on a 1-year share certificate (CD). Terms run from 3 months to 10 years. Rates checked October 4, 2026.
How Topside Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Topside Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Topside Federal Credit Union
3.70%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $370
Pick-A-Term Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Topside Federal Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.23%
- 9–15 months9–15 mo3.70%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.70%
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 Topside 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.
Pick-A-Term Certificate
Up to 3.70%APY · 12 terms
Dividends paid at maturity for certificates less than 12 months; compounded and paid quarterly on 1 to 10 year certificates. $100 minimum balance to open and earn APY. Early withdrawal penalties apply.
| Term | APY · Any balance | APY · $100 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsDividends paid at maturity | 2.75% | 2.75% | — | 2.75%2.75% any balance | $68 |
| 4 months | — | 2.81% | — | 2.81% | $93 |
| 4 monthsDividends paid at maturity | — | — | 2.81% | —2.81% from $25k | — |
| 5 months | — | 2.88% | — | 2.88% | $119 |
| 5 monthsDividends paid at maturity | — | — | 2.88% | —2.88% from $25k | — |
| 6 months | — | 3.00% | 3.00% | 3.00%3.00% from $25k | $149 |
| 7 monthsDividends paid at maturity | — | 3.12% | 3.22% | 3.12%3.22% from $25k | $181 |
| 8 monthsDividends paid at maturity | — | 3.23% | 3.33% | 3.23%3.33% from $25k | $214 |
| 9 monthsDividends paid at maturity | — | 3.35% | 3.45% | 3.35%3.45% from $25k | $250 |
| 10 monthsDividends paid at maturity | — | 3.47% | 3.57% | 3.47%3.57% from $25k | $288 |
| 11 monthsDividends paid at maturity | — | 3.58% | 3.68% | 3.58%3.68% from $25k | $328 |
| 12 months | — | 3.70% | 3.80% | 3.70%3.80% from $25k | $370 |
| 84 monthsDividends compound and pay quarterly | — | 3.35% | 3.35% | 3.35%3.35% from $25k | $2,594 |
| 120 months | — | 3.65% | 3.80% | 3.65%3.80% from $25k | $4,312 |
Sources (2)
All captured Oct 4, 2026
Rate Boost Certificate
3.30%APY · 2 terms
Lock in dividend rate with the opportunity to increase it one time if the published Rate Boost Certificate rate for the same term rises during the certificate term. $100 minimum opening deposit. Available in 3-year and 5-year terms.
| Term | APY · $100 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsOne-time rate increase option during the certificate term | 3.30% | 3.40% | 3.30%3.40% from $25k | $1,023 |
| 60 monthsOne-time rate increase option during the certificate term | 3.30% | 3.40% | 3.30%3.40% from $25k | $1,763 |
Sources (2)
All captured Oct 4, 2026
1 Year Add-On Certificate
3.25%APY · 1 term
Start with $100 and add funds anytime during the 12-month term. Fixed rate on the entire balance. Dividends compound daily and are paid at maturity. Automatically renews as a new 1-Year Add-On Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded daily and paid in full at maturity | 3.25% | $325 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 3.65%APY · 6 terms
Dividends compounded quarterly and paid quarterly. Penalty will apply for early withdrawal. Minimum balance of $100 required to obtain APY.
| Term | APY · $100 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsDividends compounded quarterly and paid quarterly | 3.50% | 3.60% | 3.50%3.60% from $25k | $350 |
| 24 monthsDividends compounded quarterly and paid quarterly | 3.50% | 3.60% | 3.50%3.60% from $25k | $712 |
| 36 monthsDividends compounded quarterly and paid quarterly | 3.50% | 3.60% | 3.50%3.60% from $25k | $1,087 |
| 60 monthsDividends compounded quarterly and paid quarterly | 3.55% | 3.65% | 3.55%3.65% from $25k | $1,906 |
| 84 monthsDividends compounded quarterly and paid quarterly | 3.35% | 3.35% | 3.35%3.35% from $25k | $2,594 |
| 120 monthsDividends compounded quarterly and paid quarterly | 3.65% | 3.80% | 3.65%3.80% from $25k | $4,312 |
IRA Share Certificate
Up to 3.65%APY · 6 terms
Dividends compounded quarterly and paid quarterly. Penalty will apply for early withdrawal. Minimum balance of $100 required to obtain APY.
| Term | APY · $100 – $25,000 | APY · $100 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsDividends compounded quarterly and paid quarterly | 3.40% | — | 3.50% | 3.40%3.50% from $25k | $340 |
| 24 monthsDividends compounded quarterly and paid quarterly | 3.40% | — | 3.50% | 3.40%3.50% from $25k | $692 |
| 36 monthsDividends compounded quarterly and paid quarterly | 3.40% | — | 3.50% | 3.40%3.50% from $25k | $1,055 |
| 60 monthsDividends compounded quarterly and paid quarterly | 3.55% | — | 3.65% | 3.55%3.65% from $25k | $1,906 |
| 84 months | — | 3.35% | — | 3.35% | $2,594 |
| 84 monthsDividends compounded quarterly and paid quarterly | 3.35% | — | — | 3.35% | $2,594 |
| 120 monthsDividends compounded quarterly and paid quarterly | 3.65% | — | 3.80% | 3.65%3.80% from $25k | $4,312 |
Who can join Topside Federal Credit Union
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