Credit union · NCUA insured
URW Community Federal Credit Union CD Rates
URW Community Federal Credit Union’s best CD rate is 3.60% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How URW Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Danville, VA, where URW Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
URW Community Federal Credit Union
3.60%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $360
Share Certificates
Top rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $215
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
URW Community Federal Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.09%
- 31–60 months31–60 mo2.06%
- QualifiedQualified3.60%
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 URW Community 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 Certificates
Up to 3.60%APY · 5 terms
Dividends can be withdrawn without penalty. Penalty for early withdrawal of principal balance is 180 days' dividends on the amount withdrawn. Fixed interest rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 3.60% | $360 |
| 24 months | 3.09% | $628 |
| 36 months | 2.06% | $631 |
| 60 months | 1.56% | $805 |
Bump-Up Share Certificate
3.09%APY · 1 term
Bump-up Certificate option allows adjusting the rate during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.09% | $628 |
Special-purpose accounts
IRA Share Certificates
Up to 3.60%APY · 5 terms
Share Certificate schedule explicitly applies to Share & IRA. Funds held in a URW share certificate are NCUA insured up to $250,000 separate from regular savings accounts. Early withdrawal penalty may be waived if any portion is paid within 7 days after establishment or where owner attains age 59½ or becomes disabled and begins periodic withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 3.60% | $360 |
| 24 months | 3.09% | $628 |
| 36 months | 2.06% | $631 |
| 60 months | 1.56% | $805 |
Sources (3)
All captured Sep 19, 2026
Who can join URW Community Federal Credit Union
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