Checked November 8, 2026
Credit union CD rates today
The best 12-month credit union CD pays 4.50% APY at Quorum Federal Credit Union. We read rates from 4 credit unions. Each row is an NCUA-insured credit union.
Best credit union CD by term
| Term | Top APY | Credit union | Insured by | Credit unions |
|---|---|---|---|---|
| 3-month CD | 3.95% | America First FCU | NCUA | 2 |
| 6-month CD | 4.40% | Quorum Federal Credit Union | NCUA | 4 |
| 12-month CD | 4.50% | Quorum Federal Credit Union | NCUA | 4 |
| 18-month CD | 4.30% | State Employees' Credit Union | NCUA | 2 |
| 2-year CD | 4.50% | America First FCU | NCUA | 4 |
| 3-year CD | 4.90% | Quorum Federal Credit Union | NCUA | 4 |
| 5-year CD | 5.00% | Quorum Federal Credit Union | NCUA | 4 |
Every credit union we track, by best CD rate
| Credit union | Best APY | Term | Insured by | Checked |
|---|---|---|---|---|
| Quorum Federal Credit Union | 5.00% | 48 mo | NCUA | Nov 8 |
| America First FCU | 4.60% | 60 mo | NCUA | Nov 8 |
| State Employees' Credit Union | 4.30% | 18 mo | NCUA | Nov 8 |
| Connexus Credit Union | 3.75% | 60 mo | NCUA | Nov 8 |
See all banks and credit unions together on CD rates today, or compare credit union savings rates.
Common questions
What is the best credit union CD rate today?
The highest 12-month credit union CD rate we track is 4.50% APY at Quorum Federal Credit Union, checked November 8, 2026. Rates are read from 4 credit unions.
Are credit union deposits insured?
Federally insured credit unions are covered by the NCUA, up to $250,000 per member, per credit union, per ownership category. That is the same limit the FDIC gives bank customers. Check that a credit union is NCUA insured before you deposit.
Can anyone join a credit union?
Not always. Many credit unions limit membership by where you live, where you work or a group you belong to, though some let you qualify with a small donation to a partner group. Check the membership rules on the credit union's own site.
Where do these rates come from?
We read each credit union's public rate page and date the reading. Credit unions with no reading from the last 7 days are left out. These are tracked rates, not offers made by SwitchWize.
General information only. Rates are tracked from public pages and can change at any time, so confirm with the credit union before you join or deposit. Membership rules apply. SwitchWize is not a bank or credit union and does not give financial advice.