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Credit union · NCUA insured

Vicinity Credit Union CD Rates

Vicinity Credit Union’s best CD rate is 5.15% APY on a 13-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.

How Vicinity Credit Union’s CD rates compare

Compared with banks and credit unions near Chicago, IL-IN, where Vicinity Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Vicinity Credit Union

    5.15%APY

    Term
    13 months
    Minimum
    $1,000
    Earns on $10,000
    $559

    Share Certificate Specials

  • Top Carrot, Carrot Score 94

    2nd-highest rate

    Whiting Refinery Federal Credit Union

    5.12%APY

    Term
    60 months
    Minimum
    $1,000
    Earns on $10,000
    $2,836

    Whiting Refinery Federal Credit Union rates

  • Top Carrot, Carrot Score 87

    3rd-highest rate

    First Eagle Federal Credit Union

    5.00%APY

    Term
    12 months
    Minimum
    $500
    Earns on $10,000
    $500

    First Eagle Federal Credit Union rates

Compare CD rates near you →

Vicinity Credit Union CD score

89

CD score

Higher than 87% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo2.00%
  • 9–15 months9–15 mo5.15%
  • 16–30 months16–30 mo4.15%
  • 31–60 months31–60 mo2.00%
  • QualifiedQualified5.15%

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.

How the score works →

Where Vicinity 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.

Who can join Vicinity 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This may be incomplete or out of date, so check with the credit union before you apply.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, or worship in Cook County, Illinois are eligible for membership.

Employers and groups

  • Individuals who qualify through their employer are eligible for membership.

Family and household

  • Relatives (child, stepchild, parent, step parent, spouse, sibling, step sibling) of a current member are eligible for membership.

Cost to join

  • Opening a membership account requires a $25 opening deposit into a Regular Share Savings account, which must maintain a $25 minimum balance at all times.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Vicinity Credit Union overview