Credit union · NCUA insured
WEPCO Federal Credit Union CD Rates
Top CarrotWEPCO Federal Credit Union’s best CD rate is 4.06% APY on a 2-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How WEPCO Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where WEPCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WEPCO Federal Credit Union
4.06%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $828
Share Certificate
Top rate
First Peoples Community Federal Credit Union
4.15%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $521
2nd-highest rate
SECU Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $445
WEPCO Federal Credit Union CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo4.06%
- QualifiedQualified4.06%
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 WEPCO 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 4.06%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 3.55% | $355 |
| 18 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 3.80% | $575 |
| 24 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $828 |
| 36 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $1,268 |
| 48 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $1,726 |
| 60 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $2,202 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Share Certificates (Traditional, Roth & Coverdell)
Up to 4.06%APY · 6 terms
Includes Traditional, Roth, and Coverdell Education share certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 3.55% | $355 |
| 18 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 3.80% | $575 |
| 24 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $828 |
| 36 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $1,268 |
| 48 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $1,726 |
| 60 monthsEarly withdrawal penalty applies. Compounding and crediting posted quarterly | 4.06% | $2,202 |
Sources (2)
All captured Oct 4, 2026
Who can join WEPCO Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.