Credit union · NCUA insured
Veritas Federal Credit Union CD Rates
Top CarrotVeritas Federal Credit Union’s best CD rate is 4.35% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Veritas Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where Veritas Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Veritas Federal Credit Union
4.35%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $398
Certificates
Top rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
Veritas Federal Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo3.14%
- 31–60 months31–60 mo3.24%
- QualifiedQualified4.35%
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 Veritas 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.
Certificates
Up to 4.35%APY · 8 terms
Minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarns dividends quarterly. Early withdrawals are subject to penalty | 3.55% | $88 |
| 6 monthsEarns dividends quarterly. Early withdrawals are subject to penalty | 3.44% | $171 |
| 11 monthsCertificate Special. Quarterly dividends. Early withdrawals are subject to penalty | 4.35% | $398 |
| 12 monthsEarns dividends quarterly. Early withdrawals are subject to penalty | 3.55% | $355 |
| 18 monthsEarns dividends quarterly. Early withdrawals are subject to penalty | 3.14% | $475 |
| 24 monthsEarns dividends quarterly. Early withdrawals are subject to penalty | 3.08% | $625 |
| 36 monthsEarns dividends quarterly. Early withdrawals are subject to penalty | 3.19% | $988 |
| 60 monthsEarns dividends quarterly. Early withdrawals are subject to penalty | 3.24% | $1,728 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA and Roth Certificates
Up to 3.34%APY · 3 terms
Minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRoth IRA certificate. Earns dividends quarterly. Early withdrawals are subject to penalty | 3.24% | $324 |
| 18 monthsTraditional IRA certificate. Earns dividends quarterly. Early withdrawals are subject to penalty | 3.29% | $498 |
| 36 monthsTraditional IRA certificate. Earns dividends quarterly. Early withdrawals are subject to penalty | 3.34% | $1,036 |
Sources (1)
- veritasfcu.org/manage-your-account-2/investment-rates · captured Oct 5, 2026
Who can join Veritas Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in designated census tracts in Rutherford County, TN, or Holmes, Yazoo, and Madison counties in MS are eligible to join.
Employers and groups
- Members of affiliated associations are eligible to join.
- Employees of partner employers in Tennessee and Mississippi are eligible for membership.
- Employees of Nissan North America and contractors, vendors, or suppliers with badge access to any Nissan facility are eligible to join.
Military, government and schools
- Employees of the City of Canton, MS, or the City of Durant, MS, are eligible to join.
Family and household
- Family members of current VFCU members are eligible to join regardless of where they live.
Cost to join
- Opening and maintaining membership requires a minimum share deposit of $25 in a Share Account.
Membership information collected October 5, 2026.