Credit union · NCUA insured
Tower Federal Credit Union CD Rates
Top CarrotTower Federal Credit Union’s best CD rate is 5.20% APY on a 2-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Tower Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Tower Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,067
Regular and Special Share Certificates
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $382
3rd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Tower Federal Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo1.55%
- 9–15 months9–15 mo4.95%
- 16–30 months16–30 mo5.20%
- 31–60 months31–60 mo4.90%
- QualifiedQualified5.20%
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 Tower 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.
Regular and Special Share Certificates
Up to 5.20%APY · 9 terms
Early withdrawal penalty applies. 3 month, 9 month, and 18 month terms are Special Share Certificates offered for a limited time and automatically renew at the next highest term Share Certificate unless funds are withdrawn at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSpecial Share Certificate offered for a limited time. Automatically renews at the next highest term Share Certificate unless funds are withdrawn at maturity. Not offered on IRAs. Early withdrawal penalty applies | 1.05% | $26 |
| 6 monthsEarly withdrawal penalty applies | 1.55% | $77 |
| 9 monthsSpecial Share Certificate offered for a limited time. Automatically renews at the next highest term Share Certificate unless funds are withdrawn at maturity. Not offered on IRAs. Early withdrawal penalty applies | 4.15% | $310 |
| 12 monthsEarly withdrawal penalty applies | 4.95% | $495 |
| 18 monthsSpecial Share Certificate offered for a limited time. Automatically renews at the next highest term Share Certificate unless funds are withdrawn at maturity. Not offered on IRAs. Early withdrawal penalty applies | 4.60% | $698 |
| 24 monthsEarly withdrawal penalty applies | 5.20% | $1,067 |
| 36 monthsEarly withdrawal penalty applies | 4.80% | $1,510 |
| 48 monthsEarly withdrawal penalty applies | 4.85% | $2,086 |
| 60 monthsEarly withdrawal penalty applies | 4.90% | $2,702 |
Sources (2)
All captured Oct 9, 2026
Mini-Jumbo Share Certificates
Up to 5.05%APY · 2 terms
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsEarly withdrawal penalty applies | 5.00% | $2,155 |
| 60 monthsEarly withdrawal penalty applies | 5.05% | $2,793 |
Sources (2)
All captured Oct 9, 2026
Jumbo Share Certificates
Up to 5.00%APY · 4 terms
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–3 monthsTerm: 30 - 90 days. Early withdrawal penalty applies | 1.10% | $9 |
| 3–6 monthsTerm: 91 - 182 days. Early withdrawal penalty applies | 1.60% | $40 |
| 6–9 monthsTerm: 183 - 273 days. Early withdrawal penalty applies | 4.20% | $208 |
| 9–12 monthsTerm: 274 - 365 days. Early withdrawal penalty applies | 5.00% | $373 |
Sources (2)
All captured Oct 9, 2026
Bump-Up Share Certificates
Up to 4.40%APY · 2 terms
Allows you to bump up to a higher dividend rate once during the term if rates rise. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsAllows you to change the dividend rate once during the term if rates rise. Early withdrawal penalty applies | 4.35% | $1,857 |
| 60 monthsAllows you to change the dividend rate once during the term if rates rise. Early withdrawal penalty applies | 4.40% | $2,402 |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
Regular IRA Share Certificates
Up to 5.20%APY · 5 terms
Available as Traditional or Roth IRAs. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable as Traditional or Roth IRA. Early withdrawal penalty applies | 4.95% | $495 |
| 24 monthsAvailable as Traditional or Roth IRA. Early withdrawal penalty applies | 5.20% | $1,067 |
| 36 monthsAvailable as Traditional or Roth IRA. Early withdrawal penalty applies | 4.80% | $1,510 |
| 48 monthsAvailable as Traditional or Roth IRA. Early withdrawal penalty applies | 4.85% | $2,086 |
| 60 monthsAvailable as Traditional or Roth IRA. Early withdrawal penalty applies | 4.90% | $2,702 |
Sources (2)
All captured Oct 9, 2026
Mini-Jumbo IRA Share Certificates
Up to 5.05%APY · 2 terms
Available as Traditional or Roth IRAs. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsAvailable as Traditional or Roth IRA. Early withdrawal penalty applies | 5.00% | $2,155 |
| 60 monthsAvailable as Traditional or Roth IRA. Early withdrawal penalty applies | 5.05% | $2,793 |
Sources (2)
All captured Oct 9, 2026
Bump-Up IRA Share Certificates
Up to 4.40%APY · 2 terms
Available as Traditional or Roth IRAs. Allows you to increase your dividend rate once if overall dividend rates climb during the term. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsAvailable as Traditional or Roth IRA. You can increase your rate once during the certificate's term if rates rise. Early withdrawal penalty applies | 4.35% | $1,857 |
| 60 monthsAvailable as Traditional or Roth IRA. You can increase your rate once during the certificate's term if rates rise. Early withdrawal penalty applies | 4.40% | $2,402 |
Sources (2)
All captured Oct 9, 2026
Who can join Tower Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Tower partner companies listed in their partner directory are eligible for membership.
Military, government and schools
- Employees or retirees of Tower's sponsor Agency are eligible for membership.
Family and household
- Individuals related to a current Tower member are eligible for membership.
Other ways
- Individuals can become eligible for membership by making a $35 donation to The TowerCares Foundation.
Cost to join
- An initial $15 deposit opens a free checking account and a Prime Share savings account, establishing lifetime membership.
Membership information collected October 4, 2026.