Credit union · NCUA insured
Voyage Federal Credit Union CD Rates
Top CarrotVoyage Federal Credit Union’s best CD rate is 4.09% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Voyage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Voyage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Voyage Federal Credit Union
4.09%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $202
Share Certificate
Top rate
Quoin Financial Bank
4.60%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $499
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Voyage Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo4.09%
- 9–15 months9–15 mo4.09%
- 16–30 months16–30 mo3.36%
- 31–60 months31–60 mo2.74%
- QualifiedQualified4.09%
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 Voyage 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.
Share Certificate
Up to 4.09%APY · 7 terms
Disclosures * $500.00 minimum. Rates are based on qualifications and all rates shown are APY (Annual Percentage Yield) which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request, and will be provided at account opening.
| Term | APY · $500 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 4.04% | 4.09% | 4.09%4.04% $500–$10k | $202 |
| 12 months | 4.04% | 4.09% | 4.09%4.04% $500–$10k | $409 |
| 18 months | 3.31% | 3.36% | 3.36%3.31% $500–$10k | $508 |
| 24 months | 3.31% | 3.36% | 3.36%3.31% $500–$10k | $683 |
| 36 months | 2.69% | 2.74% | 2.74%2.69% $500–$10k | $845 |
| 48 months | 2.38% | 2.43% | 2.43%2.38% $500–$10k | $1,008 |
| 60 months | 2.48% | 2.53% | 2.53%2.48% $500–$10k | $1,331 |
Sources (1)
- voyagefcu.org/about/rates · captured Oct 22, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.09%APY · 6 terms
$250.00 minimum balance/opening requirement. Rates are based on qualifications, declared by Board of Directors, and subject to change.
| Term | APY · $250 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 4.04% | 4.09% | 4.09%4.04% $250–$10k | $409 |
| 18 months | 3.31% | 3.36% | 3.36%3.31% $250–$10k | $508 |
| 24 months | 3.31% | 3.36% | 3.36%3.31% $250–$10k | $683 |
| 36 months | 2.69% | 2.74% | 2.74%2.69% $250–$10k | $845 |
| 48 months | 2.38% | 2.43% | 2.43%2.38% $250–$10k | $1,008 |
| 60 months | 2.48% | 2.53% | 2.53%2.48% $250–$10k | $1,331 |
Sources (1)
- voyagefcu.org/about/rates · captured Oct 22, 2026
Who can join Voyage 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
- Persons who live, work (or regularly conduct business in), worship, or attend school in rural districts in 25 counties across 4 states are eligible for membership.
Other ways
- Businesses and other legal entities located in rural districts in 25 counties across 4 states are eligible for membership.
Membership information collected October 4, 2026.