Credit union · NCUA insured
Wave Federal Credit Union CD Rates
Wave Federal Credit Union’s best CD rate is 4.25% APY on a 14-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Wave Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where Wave Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wave Federal Credit Union
4.25%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $498
Share Certificate
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Wave Federal Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.25%
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 Wave 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 4.25%APY · 10 terms
A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 0.25% | $6 |
| 6 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $173 |
| 9 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $299 |
| 12 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.70% | $370 |
| 14 monthsAll funds deposited must be New Money. \"New Money\" is defined as funds not on deposit with Wave Federal Credit Union. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 4.25% | $498 |
| 18 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $530 |
| 24 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $764 |
| 36 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $1,168 |
| 48 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $1,587 |
| 60 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $2,021 |
Sources (1)
- wavefcu.org/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.25%APY · 10 terms
A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 0.25% | $6 |
| 6 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $173 |
| 9 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $299 |
| 12 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.70% | $370 |
| 14 monthsAll funds deposited must be New Money. \"New Money\" is defined as funds not on deposit with Wave Federal Credit Union. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 4.25% | $498 |
| 18 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $530 |
| 24 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $764 |
| 36 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $1,168 |
| 48 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $1,587 |
| 60 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.75% | $2,021 |
Sources (1)
- wavefcu.org/rates · captured Oct 15, 2026
Who can join Wave Federal Credit Union
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