Credit union · NCUA insured
Treasury Department FCU CD Rates
Treasury Department FCU’s best CD rate is 3.76% APY on a 1-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Treasury Department FCU’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Treasury Department FCU has the most branches. $10,000, best rate first.
This credit union’s best
Treasury Department FCU
3.76%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $376
Certificate Accounts
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
Treasury Department FCU CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo1.91%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.66%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.76%
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 Treasury Department FCU 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 Accounts
Up to 3.76%APY · 10 terms
A Share Savings Account is required to be a member of TDFCU. Compounded daily and credited monthly. Penalty imposed for early withdrawal before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 0.65% | $16 |
| 6 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 1.91% | $95 |
| 7 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 1.91% | $111 |
| 9 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 2.17% | $162 |
| 12 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.76% | $376 |
| 15 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.76% | $472 |
| 24 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.66% | $745 |
| 36 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.56% | $1,106 |
| 48 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.35% | $1,409 |
| 60 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.35% | $1,791 |
Sources (2)
All captured Oct 15, 2026
Booster Certificate
3.66%APY · 1 term
Open for $250 and deposit a minimum of $50 whenever you can. Compounded daily and credited monthly. Penalty for early withdrawal before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMay add a minimum of $50 at any time during the term. Compounded daily and credited monthly. Early withdrawal penalty applies | 3.66% | $366 |
Sources (2)
All captured Oct 15, 2026
Jumbo Certificate
1.16%APY · 1 term
A 30-day certificate that automatically renews for 30 days at maturity. Compounded daily and credited monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30-day certificate that automatically renews for 30 days at maturity. Compounded daily and credited monthly. Early withdrawal penalty applies | 1.16% | $10 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Booster Certificate
3.87%APY · 1 term
Requires a minimum addition of $50. Compounded daily and credited monthly. Penalty for early withdrawal before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires a minimum addition of $50. Compounded daily and credited monthly. Early withdrawal penalty applies | 3.87% | $387 |
Sources (2)
All captured Oct 15, 2026
IRA Certificate Accounts
Up to 3.87%APY · 6 terms
Establish a Roth or Traditional IRA certificate. Minimum $500 deposit. No additions can be made to IRA certificates except at maturity. Compounded daily and credited monthly. Penalty for early withdrawal before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.87% | $387 |
| 15 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.87% | $486 |
| 24 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.76% | $766 |
| 36 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.66% | $1,139 |
| 48 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.45% | $1,453 |
| 60 monthsCompounded daily, credited monthly. Early withdrawal penalty applies | 3.45% | $1,848 |
Sources (2)
All captured Oct 15, 2026
Who can join Treasury Department FCU
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 lives, works, worships, or attends school inside the Capital Beltway.
Membership information collected October 4, 2026.