Credit union · NCUA insured
Via Credit Union CD Rates
Via Credit Union’s best CD rate is 4.30% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Via Credit Union’s CD rates compare
Compared with banks and credit unions near Marion, IN, where Via Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Via Credit Union
4.30%APY
- Term
- 60–71 months
- Minimum
- $500
- Earns on $10,000
- —
Share Certificates
Top rate
Grant County State Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
Via Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo4.30%
- 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 Via 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 Certificates
Up to 4.30%APY · 9 terms
Requires maintaining membership with $5.00 par value share. Minimum $500 balance. Dividends calculated daily and credited monthly. Early withdrawal penalty applies (3-17 months: 60 days dividends; 18 months or greater: 180 days dividends). 10-day grace period at renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsDividend rate 1.00%. Monthly dividend period | 1.00% | $25 |
| 6–11 monthsDividend rate 3.00%. Monthly dividend period | 3.04% | $151 |
| 12–17 monthsDividend rate 3.75%. Monthly dividend period | 3.82% | $382 |
| 18–23 monthsDividend rate 3.25%. Monthly dividend period | 3.30% | $499 |
| 24–29 monthsDividend rate 3.25%. Monthly dividend period | 3.30% | $671 |
| 30–35 monthsDividend rate 3.25%. Monthly dividend period | 3.30% | $846 |
| 36–47 monthsDividend rate 3.93%. Monthly dividend period | 4.00% | $1,249 |
| 48–59 monthsDividend rate 4.07%. Monthly dividend period | 4.15% | $1,766 |
| 60–71 monthsDividend rate 4.22%. Monthly dividend period | 4.30% | $2,343 |
Sources (2)
All captured Oct 5, 2026
ViaStart Up Certificate
3.82%APY · 1 term
Requires maintaining membership with $5.00 par value share. One certificate per account. Monthly deposits required. At end of 12 month term, remaining balance transfers to Membership Shares and certificate is closed. Early withdrawal penalty of 60 days dividends applies, including if required monthly deposits are not met.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSpecial terms and conditions apply. Monthly compounding and crediting. Term 12 months. Requires monthly deposits | 3.82% | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA & HSA Certificates
Up to 4.30%APY · 9 terms
Available as IRA (Traditional/Roth) and HSA certificates. Requires maintaining membership with $5.00 par value share. Minimum $500 balance. Dividends calculated daily and credited monthly. Early withdrawal penalty exceptions apply for IRA distributions within 7 days, or when owner attains age 59 1/2 or becomes disabled. 10-day grace period at renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsDividend rate 1.00%. Monthly dividend period | 1.00% | $25 |
| 6–11 monthsDividend rate 3.00%. Monthly dividend period | 3.04% | $151 |
| 12–17 monthsDividend rate 3.75%. Monthly dividend period | 3.82% | $382 |
| 18–23 monthsDividend rate 3.25%. Monthly dividend period | 3.30% | $499 |
| 24–29 monthsDividend rate 3.25%. Monthly dividend period | 3.30% | $671 |
| 30–35 monthsDividend rate 3.25%. Monthly dividend period | 3.30% | $846 |
| 36–47 monthsDividend rate 3.93%. Monthly dividend period | 4.00% | $1,249 |
| 48–59 monthsDividend rate 4.07%. Monthly dividend period | 4.15% | $1,766 |
| 60–71 monthsDividend rate 4.22%. Monthly dividend period | 4.30% | $2,343 |
Sources (2)
All captured Oct 5, 2026
Who can join Via Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to residents or workers in Blackford, Delaware, Grant, Hamilton, Howard, Huntington, Kosciusko, Madison, Miami, Tipton, Wabash, or Wells County, Indiana.
Family and household
- Membership is open to family members (including spouse, children, parents, siblings, grandparents, grandchildren, and steps) of current members or individuals within the field of membership.
- Membership is open to individuals sharing a household with a member.
Cost to join
- A deposit of at least $50 in ViaMembership Shares is required to avoid a $3 monthly access fee.
Membership information collected October 5, 2026.