Credit union · NCUA insured
Town and Country Credit Union CD Rates
Top CarrotTown and Country Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Town and Country Credit Union’s CD rates compare
Compared with banks and credit unions near Minot, ND, where Town and Country Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Town and Country Credit Union
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $868
Certificate of Deposit (CD)
Top rate
Aspire Credit Union
4.35%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $435
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Town and Country Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
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 Town and Country 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.
Certificate of Deposit (CD)
Up to 4.25%APY · 7 terms
Interest compounded and paid monthly on average daily balance. Penalty for early withdrawal. Terms of 36 months or greater allow for one bump-up / step-up to the current rate after 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAuto-renews at the current rate with a 10 day grace period | 3.55% | $176 |
| 9 monthsRate bumps are not available with this offer. Automatically renews at maturity to a 12-month CD at the current rate, with a ten-calendar day grace period | 4.00% | $299 |
| 12 monthsAuto-renews at the current rate with a 10 day grace period | 3.75% | $375 |
| 24 monthsAuto-renews at the current rate with a 10 day grace period | 4.25% | $868 |
| 36 monthsAllows for one step-up/bump-up to the current rate during the term after 12 months. Auto-renews at the current rate with a 10 day grace period | 4.00% | $1,249 |
| 48 monthsAllows for one step-up/bump-up to the current rate during the term after 12 months. Auto-renews at the current rate with a 10 day grace period | 3.51% | $1,480 |
| 60 monthsAllows for one step-up/bump-up to the current rate during the term after 12 months. Auto-renews at the current rate with a 10 day grace period | 3.51% | $1,883 |
Sources (1)
- townandcountry.org/personal/accounts/cds-money-markets · captured Oct 4, 2026
Special-purpose accounts
Growth Builder 12-Month CD
3.75%APY · 1 term
Designed for kids and young adults ages 0 to 23. No fee for early withdrawals. Additional deposits of any amount permitted at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOpen to kids and young adults ages 0-23 | 3.75% | $375 |
Sources (1)
- townandcountry.org/personal/accounts/cds-money-markets · captured Oct 4, 2026
Who can join Town and Country Credit Union
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