Credit union · NCUA insured
Transcend Credit Union CD Rates
Transcend Credit Union’s best CD rate is 3.50% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Transcend Credit Union’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Transcend Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Transcend Credit Union
3.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $530
Share Certificate Account
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Transcend Credit Union CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.50%
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 Transcend 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 Certificate Account
Up to 3.50%APY · 8 terms
Minimum opening deposit $500. Early withdrawal penalty applies. At maturity, certificate closes and funds transfer to member's Regular Savings Account. Fixed APY from account opening until maturity. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 2.00% | $50 |
| 6 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 3.00% | $149 |
| 12 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 3.30% | $330 |
| 18 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 3.40% | $1,055 |
| 48 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 3.30% | $1,387 |
| 60 monthsEarly withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings | 3.20% | $1,706 |
Sources (2)
All captured Oct 22, 2026
Who can join Transcend Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who works, lives, worships, or attends school in Anderson, Bourbon, Boyle, Bullitt, Clark, Daviess, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, and Woodford counties in Kentucky.
Membership information collected October 4, 2026.