Credit union · NCUA insured
Veridian Credit Union CD Rates
Veridian Credit Union’s best CD rate is 4.35% APY on a 9-month share certificate (CD). Terms run from 6 months to 39 months. Rates checked October 16, 2026.
How Veridian Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Veridian Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Veridian Credit Union
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $317
Standard CD
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Veridian Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.25%
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 Veridian 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 CD
Up to 4.35%APY · 10 terms
Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Requires a minimum deposit of $100,000. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.10% | — |
| 9 monthsCD Special | 4.35% | — |
| 12 months | 3.10% | — |
| 15 monthsCD Special | 4.25% | — |
| 18 months | 3.05% | — |
| 21 months | 3.05% | — |
| 24 monthsCD Special | 4.30% | — |
| 30 months | 2.85% | — |
| 36 months | 3.75% | — |
| 39 months | 2.85% | — |
Sources (2)
- veridiancu.org/personal/save/s…/certificates-of-deposit
- veridiancu.org/rates/account-r…/certificates-of-deposit
All captured Sep 25, 2026
Standard CD
Up to 4.25%APY · 10 terms
Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 9 monthsCD Special | 4.25% | $317 |
| 12 months | 3.00% | $300 |
| 15 monthsCD Special | 4.15% | $521 |
| 18 months | 2.95% | $446 |
| 21 months | 2.95% | $522 |
| 24 months | 4.20% | $858 |
| 30 months | 2.75% | $702 |
| 36 months | 3.65% | $1,135 |
| 39 months | 2.75% | $922 |
Sources (2)
- veridiancu.org/personal/save/s…/certificates-of-deposit
- veridiancu.org/rates/account-r…/certificates-of-deposit
All captured Sep 25, 2026
Add-On CD
3.35%APY · 1 term
Allows additional deposits during the term. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
| Term | APY · Up to $49 | APY · Up to $499 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsTier 1 | 0.10% | — | — | —0.10% to $49 | — |
| 12 monthsTier 2 | — | 3.00% | — | —3.00% $50–$499 | — |
| 12 monthsTier 3 | — | — | 3.35% | 3.35% | $335 |
Sources (2)
- veridiancu.org/personal/save/s…/certificates-of-deposit
- veridiancu.org/rates/account-r…/certificates-of-deposit
All captured Sep 25, 2026
Special-purpose accounts
IRA CD
Up to 4.25%APY · 10 terms
Requires a $500 minimum. Funds from Veridian IRAs are not eligible for the IRA CD rate; funds may come from IRAs housed at other financial institutions or other account types at Veridian. Interest compounded quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 9 monthsCD Special | 4.25% | $317 |
| 12 months | 3.00% | $300 |
| 15 monthsCD Special | 4.15% | $521 |
| 18 months | 2.95% | $446 |
| 21 months | 2.95% | $522 |
| 24 monthsCD Special | 4.20% | $858 |
| 30 months | 2.75% | $702 |
| 36 months | 3.65% | $1,135 |
| 39 months | 2.75% | $922 |
Sources (2)
- veridiancu.org/personal/save/s…/certificates-of-deposit
- veridiancu.org/rates/account-r…/certificates-of-deposit
All captured Sep 25, 2026
Teen CD
4.25%APY · 1 term
For members age 13 to 17. Add-On CD deposit eligible. Must be opened at a branch or by phone. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
Sources (2)
- veridiancu.org/personal/save/s…/certificates-of-deposit
- veridiancu.org/rates/account-r…/certificates-of-deposit
All captured Sep 25, 2026
Youth CD
4.25%APY · 1 term
For members age 12 and under. Add-On CD deposit eligible. Must be opened at a branch or by phone. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
Sources (2)
- veridiancu.org/personal/save/s…/certificates-of-deposit
- veridiancu.org/rates/account-r…/certificates-of-deposit
All captured Sep 25, 2026
Closed to new customers
Jumbo Bump-up CD
Up to 3.55%APY · 2 terms
New Bump-Up CDs are no longer available to be opened. A Bump-Up is a one-time opportunity to convert your CD to the higher rate for the remainder of its term. Interest compounded quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 3.50% | — |
| 41 months | 3.55% | — |
Sources (1)
- veridiancu.org/rates/account-r…/certificates-of-deposit · captured Oct 5, 2026
Bump-up CD
Up to 3.45%APY · 2 terms
New Bump-Up CDs are no longer available to be opened. A Bump-Up is a one-time opportunity to convert your CD to the higher rate for the remainder of its term. Interest compounded quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 3.40% | $872 |
| 41 months | 3.45% | $1,229 |
Sources (1)
- veridiancu.org/rates/account-r…/certificates-of-deposit · captured Oct 5, 2026
Who can join Veridian Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.