Credit union · NCUA insured
Whitewater Community Credit Union CD Rates
Whitewater Community Credit Union’s best CD rate is 3.80% APY on a 7-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Whitewater Community Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Whitewater Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Whitewater Community Credit Union
3.80%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $220
Share Certificate (CD)
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Whitewater Community Credit Union CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.55%
- QualifiedQualified3.80%
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 Whitewater Community 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 (CD)
Up to 3.80%APY · 5 terms
Share certificate dividends are accrued and paid quarterly. There is a 90 day dividend penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 2.78% | $138 |
| 7 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.80% | $220 |
| 12 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.03% | $303 |
| 18 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.29% | $498 |
| 24 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.55% | $723 |
Sources (1)
- whitewaterccu.org/savings-rates.html · captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.80%APY · 5 terms
Share certificate dividends are accrued and paid quarterly. There is a 90 day dividend penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 2.78% | $138 |
| 7 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.80% | $220 |
| 12 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.03% | $303 |
| 18 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.29% | $498 |
| 24 monthsDividends accrued and paid quarterly. 90 day dividend penalty for early withdrawal | 3.55% | $723 |
Sources (1)
- whitewaterccu.org/savings-rates.html · captured Oct 6, 2026
Who can join Whitewater Community 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 the residents and businesses of Harrison, Ohio.
Cost to join
- Opening an account requires bringing at least $5 and two valid forms of ID in person.
Membership information collected October 5, 2026.