Credit union · NCUA insured
Welcome Federal Credit Union CD Rates
Top CarrotWelcome Federal Credit Union’s best CD rate is 4.10% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Welcome Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Raleigh, NC, where Welcome Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Welcome Federal Credit Union
4.10%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,281
Certificates
Top rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Coastal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,462
Welcome Federal Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 Welcome 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.
Certificates
Up to 4.10%APY · 6 terms
Fixed interest rate. Available for a limited time. Dividends compounded and credited quarterly. Penalty may be imposed for early withdrawal. Certificates are not subject to auto-renewal, except the 6-month and 12-month certificate, which will auto-renew. No monthly service charges.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsWill auto-renew. Compounded and credited quarterly. Early withdrawal penalty may apply | 3.75% | $186 |
| 12 monthsWill auto-renew. Compounded and credited quarterly. Early withdrawal penalty may apply | 3.85% | $385 |
| 24 monthsNot subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply | 4.00% | $816 |
| 36 monthsNot subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply | 4.10% | $1,281 |
| 48 monthsNot subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply | 3.75% | $1,587 |
| 60 monthsNot subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply | 3.75% | $2,021 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.10%APY · 5 terms
Available for a limited time. Dividends compounded and credited quarterly. Early withdrawal penalty may apply; early withdrawal may also be subject to additional federal tax (and possibly additional state and local taxes) if under age 59½.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited quarterly. Early withdrawal penalty applies; additional tax penalty may apply if under age 59½ | 3.85% | $385 |
| 24 monthsDividends compounded and credited quarterly. Early withdrawal penalty applies; additional tax penalty may apply if under age 59½ | 4.00% | $816 |
| 36 monthsDividends compounded and credited quarterly. Early withdrawal penalty applies; additional tax penalty may apply if under age 59½ | 4.10% | $1,281 |
| 48 monthsDividends compounded and credited quarterly. Early withdrawal penalty applies; additional tax penalty may apply if under age 59½ | 3.75% | $1,587 |
| 60 monthsDividends compounded and credited quarterly. Early withdrawal penalty applies; additional tax penalty may apply if under age 59½ | 3.75% | $2,021 |
Sources (1)
- welcomecu.org/rates/deposit-rates · captured Oct 15, 2026
Who can join Welcome Federal Credit Union
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