Credit union · NCUA insured
Waterfront Credit Union CD Rates
Top CarrotWaterfront Credit Union’s best CD rate is 3.82% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 30, 2026.
How Waterfront Credit Union’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 12-month CD
Waterfront Credit Union
3.04%APY
- Earns on $10,000
- $304
Share Certificates
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Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.82%APY · 6 terms
Share Certificates earn and are paid dividends on a monthly basis. A penalty may be imposed for early withdrawal. The annual percentage yield is based on the assumption that dividends will remain in the account until maturity. Membership eligibility required. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY as high as 3.82%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 3.82% | $94 |
| 6 monthsAPY as high as 3.56%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 3.56% | $176 |
| 12 monthsAPY as high as 3.04%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 3.04% | $304 |
| 24 monthsAPY as high as 2.53%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 2.53% | $512 |
| 36 monthsAPY as high as 2.53%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 2.53% | $778 |
| 60 monthsAPY as high as 2.53%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 2.53% | $1,331 |
Sources (1)
- waterfrontfcu.org/Rates/Savings-Rates · captured Oct 30, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.05%APY · 4 terms
Share Certificates earn and are paid dividends on a monthly basis. A penalty may be imposed for early withdrawal. The annual percentage yield is based on the assumption that dividends will remain in the account until maturity. Membership eligibility required. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAPY as high as 3.05%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 3.05% | $305 |
| 24 monthsAPY as high as 2.53%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 2.53% | $512 |
| 36 monthsAPY as high as 2.53%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 2.53% | $778 |
| 60 monthsAPY as high as 2.53%. Earn and paid dividends on a monthly basis. A penalty may be imposed for early withdrawal | 2.53% | $1,331 |
Sources (1)
- waterfrontfcu.org/Rates/Savings-Rates · captured Oct 30, 2026
Waterfront Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.53%
- QualifiedQualified3.82%
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.
Who can join Waterfront Credit Union
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