Credit union · NCUA insured
Toro FCU CD Rates
Toro FCU’s best CD rate is 4.10% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Toro FCU’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Toro FCU has the most branches. $10,000, best rate first.
This credit union’s best
Toro FCU
3.95%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,232
Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Toro FCU CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.95%
- QualifiedQualified3.95%
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 Toro 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.
JUMBO CERTIFICATES
Up to 4.10%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | — |
| 12 months | 3.95% | — |
| 24 months | 4.00% | — |
| 36 months | 4.10% | — |
Sources (1)
- torofcu.org/accounts/rates · captured Sep 18, 2026
Certificate
Up to 3.95%APY · 4 terms
Effective June 1, 2026
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOne time NO PENALTY withdrawal | 3.70% | $183 |
| 12 months | 3.80% | $380 |
| 24 months | 3.85% | $785 |
| 36 months | 3.95% | $1,232 |
Sources (1)
- torofcu.org/accounts/rates · captured Sep 18, 2026
STEP-UP CERTIFICATES
Up to 3.95%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.85% | $785 |
| 36 months | 3.95% | $1,232 |
Sources (1)
- torofcu.org/accounts/rates · captured Sep 18, 2026
Special-purpose accounts
IRA CERTIFICATE (Traditional, Roth, or Educational)
Up to 3.95%APY · 3 terms
Traditional, Roth, or Educational.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 24 months | 3.85% | $785 |
| 36 months | 3.95% | $1,232 |
Sources (1)
- torofcu.org/accounts/rates · captured Sep 18, 2026
Who can join Toro FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of The Toro Company who live in the United States are eligible to join Toro Credit Union.
Family and household
- Immediate family members of eligible The Toro Company employees—including spouses, children, stepchildren, parents, grandparents, grandchildren, brothers, and sisters—are eligible to join Toro Credit Union.
Membership information collected October 4, 2026.