Credit union · NCUA insured
Transportation Federal Credit Union CD Rates
Top CarrotTransportation Federal Credit Union’s best CD rate is 4.00% APY on a 20-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Transportation Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Transportation Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Transportation Federal Credit Union
4.00%APY
- Term
- 20 months
- Minimum
- $1,000
- Earns on $10,000
- $676
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
Transportation Federal Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.00%
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 Transportation 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 4.00%APY · 7 terms
Dividends are paid and compounded quarterly, calculated using the daily balance method. Minimum balances required to earn APY. Early withdrawal penalties apply. Must maintain membership share ($5 par value).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.65% | $365 |
| 20 months | 4.00% | $676 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.65% | $1,963 |
Sources (3)
- transfcu.org/rates
- transfcu.org/share-certificate
- transfcu.org/wp-content/upload…n-Savings-8.5x11-PDF.pdf
All captured Sep 19, 2026
Special-purpose accounts
Traditional & Roth IRA Certificate
Up to 4.00%APY · 6 terms
Traditional and Roth IRA Certificates. Dividends are paid and compounded quarterly, calculated using the daily balance method. Minimum balances required to earn APY. Early withdrawal penalties apply. Subject to IRS rules and regulations.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.65% | $365 |
| 20 months | 4.00% | $676 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.65% | $1,963 |
Sources (3)
- transfcu.org/individual-retirement-accounts
- transfcu.org/rates
- transfcu.org/wp-content/upload…n-Savings-8.5x11-PDF.pdf
All captured Sep 19, 2026
Who can join Transportation 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 featured employer groups, eligible organizations, and Strategic Partners qualify for membership.
Military, government and schools
- Active or retired employees, military personnel, or contractors of specified transportation government agencies qualify for membership.
Family and household
- Immediate family members and household members of eligible employees/affiliates are eligible to join.
Other ways
- Individuals can join by becoming a member of the American Consumer Council.
Cost to join
- Each member must have one $5 share in the credit union.
Membership information collected October 4, 2026.