Credit union · NCUA insured
VacationLand Federal Credit Union CD Rates
VacationLand Federal Credit Union’s best CD rate is 4.35% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How VacationLand Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Sandusky, OH, where VacationLand Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
VacationLand Federal Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $652
Certificates
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
VacationLand Federal Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.30%
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 VacationLand 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.
Jumbo Certificates
Up to 4.35%APY · 5 terms
Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 4.35% | — |
| 30 months | 4.05% | — |
| 36 months | 4.05% | — |
| 48 months | 3.40% | — |
| 60 months | 3.50% | — |
Sources (1)
- vlfcu.org/rates · captured Sep 26, 2026
Certificates
Up to 4.30%APY · 13 terms
Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 3.85% | $191 |
| 9 months | 3.85% | $287 |
| 12 months | 4.25% | $425 |
| 18 months | 4.30% | $652 |
| 21 months | 4.30% | $765 |
| 24 months | 4.30% | $878 |
| 30 months | 4.00% | $1,030 |
| 36 months | 4.00% | $1,249 |
| 40 months | 3.45% | $1,197 |
| 48 months | 3.30% | $1,387 |
| 59 months | 3.50% | $1,843 |
| 60 months | 3.40% | $1,820 |
Special-purpose accounts
Youth Certificates
Up to 6.03%APY · 1 term
Membership eligibility required with a minimum deposit of $5 in a savings account. Maximum $20,000.00 per child, regardless of the number of certificates held by the child. Penalty may be imposed for early withdrawal.
| Term | APY · $100 – $20,000 | APY · $500 – $20,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsAge 0 | 4.06% | — | 4.06% | $406 |
| 12 monthsAge 1 | 4.16% | — | 4.16% | $416 |
| 12 monthsAge 10 | 5.10% | — | 5.10% | $510 |
| 12 monthsAge 11 | 5.20% | — | 5.20% | $520 |
| 12 monthsAge 12 | 5.30% | — | 5.30% | $530 |
| 12 monthsAge 13 | — | 5.41% | 5.41% | $541 |
| 12 monthsAge 14 | — | 5.51% | 5.51% | $551 |
| 12 monthsAge 15 | — | 5.62% | 5.62% | $562 |
| 12 monthsAge 16 | — | 5.72% | 5.72% | $572 |
| 12 monthsAge 17 | — | 5.82% | 5.82% | $582 |
| 12 monthsAge 18 | — | 5.93% | 5.93% | $593 |
| 12 monthsAge 19 | — | 6.03% | 6.03% | $603 |
| 12 monthsAge 2 | 4.27% | — | 4.27% | $427 |
| 12 monthsAge 3 | 4.37% | — | 4.37% | $437 |
| 12 monthsAge 4 | 4.47% | — | 4.47% | $447 |
| 12 monthsAge 5 | 4.58% | — | 4.58% | $458 |
| 12 monthsAge 6 | 4.68% | — | 4.68% | $468 |
| 12 monthsAge 7 | 4.78% | — | 4.78% | $478 |
| 12 monthsAge 8 | 4.88% | — | 4.88% | $488 |
| 12 monthsAge 9 | 4.99% | — | 4.99% | $499 |
Sources (1)
- vlfcu.org/rates · captured Sep 26, 2026
IRA Certificates
Up to 4.30%APY · 13 terms
Membership eligibility required with a minimum deposit of $5 in a savings account. Traditional, Roth, and SEP IRAs available. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 3.85% | $191 |
| 9 months | 3.85% | $287 |
| 12 months | 4.25% | $425 |
| 18 months | 4.30% | $652 |
| 21 months | 4.30% | $765 |
| 24 months | 4.30% | $878 |
| 30 months | 4.00% | $1,030 |
| 36 months | 4.00% | $1,249 |
| 40 months | 3.45% | $1,197 |
| 48 months | 3.30% | $1,387 |
| 59 months | 3.50% | $1,843 |
| 60 months | 3.40% | $1,820 |
Sources (3)
- vlfcu.org/personal/savings/ind…dual-retirement-accounts
- vlfcu.org/personal/savings/share-certificates
- vlfcu.org/rates
All captured Sep 26, 2026
Who can join VacationLand Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.