Credit union · NCUA insured
USA Federal Credit Union CD Rates
USA Federal Credit Union’s best CD rate is 2.00% APY on a 2-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How USA Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Mobile, AL, where USA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
USA Federal Credit Union
2.00%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $404
Regular Certificate Accounts
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
USA Federal Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo1.50%
- QualifiedQualified2.00%
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 USA 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.
Regular Certificate Accounts
Up to 2.00%APY · 4 terms
With a minimum deposit, receive quarterly dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 12 months | 1.50% | $150 |
| 24 months | 2.00% | $404 |
| 36 months | 1.50% | $457 |
Sources (2)
- southalabama.edu/departments/u…productsandservices.html
- southalabama.edu/departments/usafedcu/depositrates.html
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate Accounts
Up to 2.00%APY · 4 terms
IRA certificates with a selection of terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 12 months | 1.50% | $150 |
| 24 months | 2.00% | $404 |
| 36 months | 1.50% | $457 |
Sources (2)
- southalabama.edu/departments/u…productsandservices.html
- southalabama.edu/departments/usafedcu/depositrates.html
All captured Sep 19, 2026
Who can join USA Federal Credit Union
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