Credit union · NCUA insured
TRI-CU CD Rates
TRI-CU’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How TRI-CU’s CD rates compare
Compared with banks and credit unions near Kennewick, WA, where TRI-CU has the most branches. $10,000, best rate first.
This credit union’s best
TRI-CU
4.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $400
Term Certificates
Top rate
ICCU
4.30%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,343
2nd-highest rate
STCU
4.26%APY
- Term
- 30 months
- Minimum
- $2,000
- Earns on $10,000
- $1,099
TRI-CU CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.00%
- 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 TRI-CU 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.
Term Certificates
Up to 4.00%APY · 7 terms
Dividends compounded/paid monthly. Early withdrawal penalties may apply. Federally insured by NCUA to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded/Paid Monthly | 3.50% | $173 |
| 12 monthsCompounded/Paid Monthly | 4.00% | $400 |
| 18 monthsCompounded/Paid Monthly | 3.75% | $568 |
| 24 monthsCompounded/Paid Monthly | 3.50% | $712 |
| 36 monthsCompounded/Paid Monthly | 3.00% | $927 |
| 48 monthsCompounded/Paid Monthly | 3.00% | $1,255 |
| 60 monthsCompounded/Paid Monthly | 3.00% | $1,593 |
Who can join TRI-CU
This may be incomplete or out of date, so check with the credit union before you apply.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 in Benton or Franklin County, Washington.
Employers and groups
- Membership is open to IBEW #112 Electricians.
Family and household
- Membership is open to immediate family of eligible individuals/members.
Cost to join
- A minimum share deposit of $5.00 is required to establish membership (value of one share).
- A $30 deposit is required to open an account online.
Membership information collected October 4, 2026.