Credit union · NCUA insured
Wichita Federal Credit Union CD Rates
Wichita Federal Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Wichita Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Wichita Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wichita Federal Credit Union
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $868
Share Certificate
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
2nd-highest rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Wichita Federal Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.80%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Wichita 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 4.25%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend Period: Quarterly; Early W/D Penalty: 90 Days Interest | 2.50% | $62 |
| 6 monthsDividend Period: Quarterly; Early W/D Penalty: 90 Days Interest | 3.50% | $173 |
| 12 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 3.80% | $380 |
| 24 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 4.25% | $868 |
| 36 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 3.90% | $1,216 |
| 48 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 4.00% | $1,699 |
| 60 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 3.25% | $1,734 |
Sources (1)
- wichitafcu.com/bank/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend Period: Quarterly; Early W/D Penalty: 90 Days Interest | 2.50% | $62 |
| 6 monthsDividend Period: Quarterly; Early W/D Penalty: 90 Days Interest | 3.50% | $173 |
| 12 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 3.80% | $380 |
| 24 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 4.25% | $868 |
| 36 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 3.90% | $1,216 |
| 48 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 4.00% | $1,699 |
| 60 monthsDividend Period: Quarterly; Early W/D Penalty: 180 Days Interest | 3.25% | $1,734 |
Sources (1)
- wichitafcu.com/bank/rates · captured Oct 16, 2026
Youth Share Certificate
3.95%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend Period: Quarterly; Early W/D Penalty: 90 Days InterestAny balance | 3.95% | $395 | Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest |
Sources (1)
- wichitafcu.com/bank/rates · captured Oct 16, 2026
Who can join Wichita Federal Credit Union
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