Credit union · NCUA insured
United States Senate Federal Credit Union CD Rates
United States Senate Federal Credit Union’s best CD rate is 3.10% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How United States Senate Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where United States Senate Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United States Senate Federal Credit Union
2.99%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $1,587
Smart Share Certificates
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
United States Senate Federal Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.79%
- 16–30 months16–30 mo2.84%
- 31–60 months31–60 mo2.99%
- QualifiedQualified2.99%
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 United States Senate 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.
Smart Share Certificates
Up to 2.99%APY · 7 terms
Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Higher returns for jumbo balances of $200,000 or more.
| Term | APY · Up to $99,999 | APY · $1,000 – $99,999 | APY · $100,000 – $199,999 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months$100,000 - $199,999 balance tier. APY assumes dividends remain on deposit until maturity. Minimum balance $1,000. Penalty for early withdrawal. 10-day grace period upon maturity | — | — | 1.06% | — | —1.06% $100k–$200k | — |
| 3 months$200,000 Plus Jumbo balance tier. APY assumes dividends remain on deposit until maturity. Minimum balance $1,000. Penalty for early withdrawal. 10-day grace period upon maturity | — | — | — | 1.11% | —1.11% from $200k | — |
| 3 monthsLess than $99,999 balance tier (minimum daily balance $1,000 to earn dividends). APY assumes dividends remain on deposit until maturity. Minimum balance $1,000. Penalty for early withdrawal. 10-day grace period upon maturity | — | 1.01% | — | — | 1.01% | $25 |
| 6 months | 2.53% | — | 2.58% | 2.63% | 2.53%2.58% $100k–$200k2.63% from $200k | $126 |
| 12 months | 2.79% | — | 2.84% | 2.89% | 2.79%2.84% $100k–$200k2.89% from $200k | $279 |
| 24 months | 2.84% | — | 2.89% | 2.94% | 2.84%2.89% $100k–$200k2.94% from $200k | $576 |
| 36 months | 2.89% | — | 2.94% | 2.99% | 2.89%2.94% $100k–$200k2.99% from $200k | $892 |
| 48 months | 2.94% | — | 2.99% | 3.05% | 2.94%2.99% $100k–$200k3.05% from $200k | $1,229 |
| 60 months | 2.99% | — | 3.05% | 3.10% | 2.99%3.05% $100k–$200k3.10% from $200k | $1,587 |
Bump Rate Share Certificate
Up to 2.89%APY · 3 terms
Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Not pledgeable as collateral for shared secured loans. One-time rate increase option during term.
| Term | APY · $1,000 – $99,999 | APY · $100,000 – $199,999 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 monthsJumbo balance tier ($200,000 and above). One-time bump option applicable | — | — | 2.89% | —2.89% from $200k | — |
| 36 monthsLess than $99,999 balance tier. One-time bump option applicable | 2.79% | — | — | 2.79% | $861 |
| 36 monthsMid balance tier ($100,000 to $199,999). One-time bump option applicable | — | 2.84% | — | —2.84% $100k–$200k | — |
| 48 monthsJumbo balance tier ($200,000 and above). One-time bump option applicable | — | — | 2.94% | —2.94% from $200k | — |
| 48 monthsLess than $99,999 balance tier. One-time bump option applicable | 2.84% | — | — | 2.84% | $1,185 |
| 48 monthsMid balance tier ($100,000 to $199,999). One-time bump option applicable | — | 2.89% | — | —2.89% $100k–$200k | — |
| 60 monthsJumbo balance tier ($200,000 and above). One-time bump option applicable | — | — | 2.99% | —2.99% from $200k | — |
| 60 monthsLess than $99,999 balance tier. One-time bump option applicable | 2.89% | — | — | 2.89% | $1,531 |
| 60 monthsMid balance tier ($100,000 to $199,999). One-time bump option applicable | — | 2.94% | — | —2.94% $100k–$200k | — |
Special-purpose accounts
Smart Share Certificates (IRA Certificates)
Up to 2.99%APY · 7 terms
Tax-advantaged IRA certificate (Traditional and Roth). Non-negotiable and cannot be assigned, pledged or transferred. Minimum balance required to open is $1,000. Cannot be opened online. Early withdrawal penalties and IRS limitations/penalties may apply. Automatic renewal upon maturity with a 10-day grace period.
| Term | APY · Up to $99,999 | APY · $1,000 – $99,999 | APY · $100,000 – $199,999 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months$100,000 - $199,999 balance tier. APY assumes dividends remain on deposit until maturity. Minimum balance $1,000. Penalty for early withdrawal. 10-day grace period upon maturity. Subject to IRS limitations and/or penalties | — | — | 1.06% | — | —1.06% $100k–$200k | — |
| 3 months$200,000 Plus Jumbo balance tier. APY assumes dividends remain on deposit until maturity. Minimum balance $1,000. Penalty for early withdrawal. 10-day grace period upon maturity. Subject to IRS limitations and/or penalties | — | — | — | 1.11% | —1.11% from $200k | — |
| 3 monthsLess than $99,999 balance tier (minimum daily balance $1,000 to earn dividends). APY assumes dividends remain on deposit until maturity. Minimum balance $1,000. Penalty for early withdrawal. 10-day grace period upon maturity. Subject to IRS limitations and/or penalties | — | 1.01% | — | — | 1.01% | $25 |
| 6 months | 2.53% | — | 2.58% | 2.63% | 2.53%2.58% $100k–$200k2.63% from $200k | $126 |
| 12 months | 2.79% | — | 2.84% | 2.89% | 2.79%2.84% $100k–$200k2.89% from $200k | $279 |
| 24 months | 2.84% | — | 2.89% | 2.94% | 2.84%2.89% $100k–$200k2.94% from $200k | $576 |
| 36 months | 2.89% | — | 2.94% | 2.99% | 2.89%2.94% $100k–$200k2.99% from $200k | $892 |
| 48 months | 2.94% | — | 2.99% | 3.05% | 2.94%2.99% $100k–$200k3.05% from $200k | $1,229 |
| 60 months | 2.99% | — | 3.05% | 3.10% | 2.99%3.05% $100k–$200k3.10% from $200k | $1,587 |
Who can join United States Senate Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of over 100 Select Employee Groups (SEGs) in the Washington, D.C. metropolitan area and nationwide are eligible for membership.
Military, government and schools
- Employees from the Architect of the Capitol and the U.S. Supreme Court are eligible for membership.
- Individuals affiliated with the U.S. Senate and Capitol Hill communities are eligible for membership.
Cost to join
- Opening an account requires a minimum share deposit of $5.
Membership information collected October 4, 2026.