Credit union · NCUA insured
U.S. Eagle Federal Credit Union CD Rates
U.S. Eagle Federal Credit Union’s best CD rate is 2.40% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How U.S. Eagle Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where U.S. Eagle Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
U.S. Eagle Federal Credit Union
2.40%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $737
Share Certificate
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $778
U.S. Eagle Federal Credit Union CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo0.05%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.30%
- 31–60 months31–60 mo2.40%
- QualifiedQualified2.40%
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 U.S. Eagle 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 2.40%APY · 8 terms
Must qualify for US Eagle membership, including $5 share deposit. Auto-renews with a 7-day grace period. Penalty for early principal withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty applies for early withdrawal. Not eligible for MemPerx benefits | 0.05% | $1 |
| 6 monthsPenalty applies for early withdrawal. Not eligible for MemPerx benefits | 0.05% | $2 |
| 12 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.76% | 2.25% | $225 |
| 18 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.76% | 2.25% | $339 |
| 24 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.81% | 2.30% | $465 |
| 36 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.91% | 2.40% | $737 |
| 48 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.91% | 2.40% | $995 |
| 60 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.91% | 2.40% | $1,259 |
Sources (2)
All captured Oct 3, 2026
1st Step Certificate
2.25%APY · 1 term
Must qualify for US Eagle membership, including $5 share deposit. Maximum deposit $1,000. Non-renewable (transfers to US Eagle Primary Share Account upon maturity). One allowed per Social Security Number. May not be used for a US Eagle Share Secured Loan. Penalty for early principal withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 20 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.76%. Add to balance during term up to $1,000 maximum | 2.25% | — |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificate
Up to 2.15%APY · 6 terms
Available as Traditional or Roth IRA. Must qualify for US Eagle membership, including $5 share deposit. Eligible for rollovers and transfers subject to IRS guidelines. Penalty applies for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.51% | 2.00% | $200 |
| 18 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.51% | 2.00% | $301 |
| 24 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.56% | 2.05% | $414 |
| 36 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.66% | 2.15% | $659 |
| 48 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.66% | 2.15% | $888 |
| 60 monthsPenalty applies for early withdrawal. MemPerx max benefit APY 2.66% | 2.15% | $1,122 |
Sources (2)
All captured Oct 3, 2026
Who can join U.S. Eagle Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who does not meet other qualifications may become eligible by funding a $10.00 contribution to the ARNIA foundation.
Where you live or work
- Individuals who live, work, worship, or attend school in San Juan County, NM, or in census tracts 0101, 0103, 0104, 010701, and 010501 in Sandoval County, NM are eligible for membership.
Employers and groups
- Employees or members of one of more than 400 partner organizations (SEGs) are eligible for membership.
Military, government and schools
- U.S. Government employees (accruing regular benefits) working in or supervised from Bernalillo, Valencia, or Socorro County, NM are eligible, subject to specified agency and base exclusions.
Family and household
- Individuals who have a family member or roommate who is an existing U.S. Eagle member are eligible.
Cost to join
- A share deposit of $5 is required for opening a savings account as part of ownership requirements.
- A $10.00 contribution to ARNIA is required when joining via the foundation donation route.
Membership information collected October 4, 2026.