Credit union · NCUA insured
Your Legacy Federal Credit Union CD Rates
Your Legacy Federal Credit Union’s best CD rate is 3.82% APY on a 5-year share certificate (CD). Terms run from 4 months to 5 years. Rates checked October 16, 2026.
How Your Legacy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tiffin, OH, where Your Legacy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Your Legacy Federal Credit Union
3.82%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,062
Share Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Your Legacy Federal Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.72%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
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 Your Legacy 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 3.82%APY · 10 terms
Rates are locked in at account opening through the fixed period. Early withdrawal may be subject to penalty. Federally insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsCompounding frequency: At Maturity | 3.03% | $100 |
| 6 monthsCompounding frequency: Monthly | 3.55% | $176 |
| 9 monthsCompounding frequency: Monthly | 3.56% | $265 |
| 12 monthsCompounding frequency: Monthly | 3.56% | $356 |
| 18 monthsCompounding frequency: Monthly | 3.66% | $554 |
| 24 monthsCompounding frequency: Monthly | 3.66% | $746 |
| 30 monthsCompounding frequency: Monthly | 3.72% | $955 |
| 36 monthsCompounding frequency: Monthly | 3.72% | $1,157 |
| 48 monthsCompounding frequency: Monthly | 3.77% | $1,595 |
| 60 monthsCompounding frequency: Monthly | 3.82% | $2,062 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.82%APY · 10 terms
Available for Traditional and Roth IRAs. Early withdrawal penalty may apply, plus a 10% tax penalty for early withdrawals under age 59 1/2 unless qualifying exceptions apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsCompounding frequency: At Maturity | 3.03% | $100 |
| 6 monthsCompounding frequency: Monthly | 3.55% | $176 |
| 9 monthsCompounding frequency: Monthly | 3.56% | $265 |
| 12 monthsCompounding frequency: Monthly | 3.56% | $356 |
| 18 monthsCompounding frequency: Monthly | 3.66% | $554 |
| 24 monthsCompounding frequency: Monthly | 3.66% | $746 |
| 30 monthsCompounding frequency: Monthly | 3.72% | $955 |
| 36 monthsCompounding frequency: Monthly | 3.72% | $1,157 |
| 48 monthsCompounding frequency: Monthly | 3.77% | $1,595 |
| 60 monthsCompounding frequency: Monthly | 3.82% | $2,062 |
Sources (2)
All captured Oct 16, 2026
Who can join Your Legacy 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
- Businesses and other legal entities in Seneca County are eligible to join the credit union.
- Persons who live, work, worship, attend school, or volunteer in Seneca County are eligible to join the credit union.
Cost to join
- Membership requires opening a savings account with a minimum deposit of $5.
Membership information collected October 5, 2026.