Credit union · NCUA insured
Xplore Federal Credit Union CD Rates
Xplore Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Xplore Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New Orleans, LA, where Xplore Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Xplore Federal Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $375
Share Certificates
Top rate
IRFCU
4.58%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $226
2nd-highest rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $920
Xplore Federal Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.75%
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 Xplore 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 Certificates
Up to 3.75%APY · 5 terms
Fixed-rate certificate. Early withdrawal subject to penalty. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 90 days dividends | 3.25% | $161 |
| 12 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 3.75% | $375 |
| 24 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 3.00% | $609 |
| 36 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | $848 |
| 60 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | $1,453 |
Jumbo Share Certificates
Up to 3.50%APY · 4 terms
Fixed-rate certificate for balances of $200,000 or more. Early withdrawal subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 2.50% | — |
| 24 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 3.50% | — |
| 36 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | — |
| 60 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | — |
Special-purpose accounts
IRA Share Certificate Accounts
Up to 3.75%APY · 5 terms
IRA Certificate options include Traditional and Roth IRAs. $10 annual maintenance fee applies to IRA Accounts. Early withdrawal subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 90 days dividends | 3.25% | $161 |
| 12 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 3.75% | $375 |
| 24 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 3.00% | $609 |
| 36 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | $848 |
| 60 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | $1,453 |
Jumbo IRA Certificate Accounts
Up to 3.50%APY · 4 terms
Jumbo IRA Certificate options for balances of $200,000 or more. $10 annual maintenance fee applies to IRA Accounts. Early withdrawal subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 2.50% | — |
| 24 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 180 days dividends | 3.50% | — |
| 36 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | — |
| 60 monthsCompounded / Credited: Monthly/Monthly. Early withdrawal penalty: 365 days dividends | 2.75% | — |
Who can join Xplore 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
- Membership is open to individuals who live, work, worship, or attend school in Jefferson, Orleans, or St. Tammany Parishes.
Membership information collected October 5, 2026.