Credit union · NCUA insured
Total Choice Federal Credit Union CD Rates
Total Choice Federal Credit Union’s best CD rate is 2.63% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Total Choice Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New Orleans, LA, where Total Choice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Total Choice Federal Credit Union
2.63%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $263
Share Certificates
Top rate
IRFCU
4.58%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $226
2nd-highest rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $920
Total Choice Federal Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo2.63%
- 16–30 months16–30 mo2.22%
- 31–60 months31–60 mo2.32%
- QualifiedQualified2.63%
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 Total Choice 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 Certificates
Up to 2.63%APY · 4 terms
Automatically renewable accounts upon maturity with a 10-day grace period to withdraw funds without penalty. Early withdrawal penalties apply. May be used as collateral for low-rate share pledge loans.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.52% | $125 |
| 12 months | 2.63% | $263 |
| 24 months | 2.22% | $449 |
| 36 months | 2.32% | $712 |
Special-purpose accounts
IRA Share Certificates of Deposit
Up to 2.84%APY · 4 terms
Early withdrawal penalties apply to certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.52% | $125 |
| 12 months | 2.84% | $284 |
| 24 months | 2.27% | $459 |
| 36 months | 2.42% | $744 |
Sources (1)
- totalchoicefcu.com/deposit-rates · captured Sep 18, 2026
Who can join Total Choice 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This may be incomplete or out of date, so check with the credit union before you apply.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, or worships in Saint Charles, Saint John, and Saint James Parishes is eligible for membership.
Family and household
- Immediate family members and individuals sharing a household with an existing member are eligible to join.
Cost to join
- A minimum deposit of $5.00 into a savings account is required.
- A one-time membership service charge of $5.00 is required.
Membership information collected October 5, 2026.