Skip to content

Credit union · NCUA insured

WCU Credit Union CD Rates

WCU Credit Union’s best CD rate is 3.30% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.

How WCU Credit Union’s CD rates compare

Compared with banks and credit unions near Decatur, AL, where WCU Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    WCU Credit Union

    3.30%APY

    Term
    24 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $671

    Share Certificate

  • Top rate

    Woodforest National Bank

    4.25%APY

    Term
    9 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $317

    Woodforest National Bank rates

  • 2nd-highest rate

    Wells Fargo

    4.25%APY

    Term
    11 months
    Requires
    Another account
    Minimum
    $5,000
    Earns on $10,000
    $389

    Wells Fargo rates

Compare CD rates near you →

WCU Credit Union CD score

69

CD score

Higher than 25% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo2.53%
  • 9–15 months9–15 mo3.00%
  • 16–30 months16–30 mo3.30%
  • 31–60 months31–60 mo2.79%
  • QualifiedQualified3.30%

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.

How the score works →

Where WCU 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 WCU 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This may be incomplete or out of date, so check with the credit union before you apply.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 any and all who live, work, or worship in Morgan and Lawrence counties.

Membership information collected October 4, 2026.

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