Credit union · NCUA insured
Wheatland Federal Credit Union CD Rates
Wheatland Federal Credit Union’s best CD rate is 3.90% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Wheatland Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lancaster, PA, where Wheatland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wheatland Federal Credit Union
3.85%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $191
6 Month Certificate
Top rate
Citadel Credit Union
4.35%APY
- Term
- 20 months
- Minimum
- $500
- Earns on $10,000
- $735
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Wheatland Federal Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo1.70%
- 31–60 months31–60 mo1.80%
- QualifiedQualified3.85%
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 Wheatland 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.
Jumbo 6 Month Certificate
3.90%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.90% | — |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
6 Month Certificate
3.85%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.85% | $191 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
Jumbo 12 Month Certificate
3.50%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal | 3.50% | — |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
12 Month Certificate
3.25%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal | 3.25% | $325 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
Jumbo 36 Month Certificate
1.85%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsPenalty for early withdrawal | 1.85% | — |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
36 Month Certificate
1.80%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsPenalty for early withdrawal | 1.80% | $550 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
Jumbo 24 Month Certificate
1.75%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsPenalty for early withdrawal | 1.75% | — |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
24 Month Certificate
1.70%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsPenalty for early withdrawal | 1.70% | $343 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
Jumbo 18 Month Certificate
1.65%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPenalty for early withdrawal | 1.65% | — |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
18 Month Certificate
1.60%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPenalty for early withdrawal | 1.60% | $241 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
Special-purpose accounts
6 Month IRA Certificate
3.85%APY · 1 term
Penalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal | 3.85% | $191 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
12 Month IRA Certificate
3.25%APY · 1 term
Penalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal | 3.25% | $325 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
36 Month IRA Certificate
1.80%APY · 1 term
Penalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsPenalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal | 1.80% | $550 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
24 Month IRA Certificate
1.70%APY · 1 term
Penalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsPenalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal | 1.70% | $343 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
18 Month IRA Certificate
1.60%APY · 1 term
Penalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPenalty for early withdrawal. Consult a tax advisor for tax implications of an early withdrawal | 1.60% | $241 |
Sources (1)
- wheatlandcu.com/rates · captured Sep 17, 2026
Who can join Wheatland Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or attend school in Lancaster County qualify for membership.
Family and household
- Immediate family members of Wheatland account holders qualify for membership.
Cost to join
- A $10 membership fee is required ($1 for members under 18).
- A $5 deposit is required for opening your savings account.
Membership information collected October 5, 2026.