Credit union · NCUA insured
Transit Employees Federal Credit Union CD Rates
Transit Employees Federal Credit Union’s best CD rate is 0.95% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Transit Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Transit Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Transit Employees Federal Credit Union
0.95%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $484
Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Transit Employees Federal Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo0.55%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo0.95%
- QualifiedQualified0.95%
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 Transit Employees 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 Certificate
Up to 0.95%APY · 7 terms
Dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; penalty will or may be imposed for early withdrawal (1 quarter's dividend after 7 days); automatically renews at the same term at prevailing rate; no maintenance fees. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | $25 |
| 10 months | 0.50% | $42 |
| 12 months | 0.55% | $55 |
| 24 months | 0.60% | $120 |
| 36 months | 0.75% | $227 |
| 48 months | 0.80% | $324 |
| 60 months | 0.95% | $484 |
Sources (3)
- tefcu.org/certificate-rates
- tefcu.org/products/services/share-certificates
- tefcu.org/products/services/fee-schedule
All captured Oct 22, 2026
SAYGo Certificate
0.45%APY · 1 term
Additional deposits required through Electronic Funds Transfer (EFT) and other onetime deposits are allowed at any point during the 12-month term; minimum balance to start is $25; dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; penalty will or may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to start is $25; additional deposits required through EFT and other onetime deposits allowed during term | 0.45% | $45 |
Sources (3)
- tefcu.org/certificate-rates
- tefcu.org/products/services/share-certificates
- tefcu.org/products/services/fee-schedule
All captured Oct 22, 2026
Special-purpose accounts
FUSE Certificate
0.95%APY · 1 term
For college education savings of a child 22 years of age or younger; requires a youth account; multiple deposits allowed; at maturity, TEFCU scholarship equivalent to 10% of accumulated principal (excluding dividends, max $1,500) will post contingent upon no early redemption; automatically renews for the same term unless redeemed; dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsFor child 22 years of age or younger; youth account required; earns 10% scholarship up to $1,500 at maturity if no early redemption | 0.95% | $484 |
Sources (3)
- tefcu.org/certificate-rates
- tefcu.org/youth/fuse-share-certificate
- tefcu.org/products/services/fee-schedule
All captured Oct 22, 2026
IRA Certificate
Up to 0.95%APY · 7 terms
Dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; penalty will or may be imposed for early withdrawal (1 quarter's dividend after 7 days); available in Traditional, Roth, or Coverdell IRA. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | $25 |
| 10 months | 0.50% | $42 |
| 12 months | 0.55% | $55 |
| 24 months | 0.60% | $120 |
| 36 months | 0.75% | $227 |
| 48 months | 0.80% | $324 |
| 60 months | 0.95% | $484 |
Sources (3)
All captured Oct 22, 2026
Youth Certificate
Up to 0.60%APY · 2 terms
Available only on accounts with a Primary Member 18 years of age or below; dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; penalty will or may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPrimary Member must be 18 years of age or below | 0.50% | $25 |
| 24 monthsPrimary Member must be 18 years of age or below | 0.60% | $120 |
Sources (3)
- tefcu.org/certificate-rates
- tefcu.org/products/services/share-certificates
- tefcu.org/products/services/fee-schedule
All captured Oct 22, 2026
Who can join Transit Employees 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 Amtrak are eligible to join.
- Employees of Arlington Transit are eligible to join.
- Employees of Atlantic Services are eligible to join.
- Employees of DASH Bus are eligible to join.
- Employees of The Excel Institute & Auto Repair are eligible to join.
- Employees of Kaiser Permanente are eligible to join.
12 more ways to join
Employers and groups
- Employees of Metro Access are eligible to join.
- Employees of RTA (Formerly First Transit) are eligible to join.
- Employees of TEFCU are eligible to join.
- Employees of Transdev are eligible to join.
- Employees of Washingtonian Cab Company are eligible to join.
- Employees of Washington Metropolitan Area Transit Authority (WMATA) are eligible to join.
- Employees of Yellow Cab Company of DC are eligible to join.
Military, government and schools
- Employees of Langdon Education Campus are eligible to join.
- Employees of Pathways School Crossland Campus are eligible to join.
- Employees of Pathways School Duval Campus are eligible to join.
Family and household
- Immediate family or household members of an employee that works for one of TEFCU's Select Employee Groups (SEGs) are eligible to join.
Other ways
- Persons retired as pensioners or annuitants from eligible Select Employee Group employment or TEFCU are eligible to join.
Cost to join
- A deposit of $25.00 in a membership savings account is required to open an account.
Membership information collected October 4, 2026.