11 Best Credit Union CD Rates for 2025

Overview: Pentagon Federal, or PenFed, historically focused on serving military personnel and their families, but it expanded membership in 2019 so you no longer need a link to the military to join. PenFed's money market certificates — what the credit union calls CDs — have solid rates across terms from six months to seven years. The opening minimum of $1,000 is somewhat low.

Overview: Self-Help is a community development credit union dedicated to making a positive social and environmental impact. Its branches are located primarily in the southeastern U.S., but members can join nationwide. Its share certificates have a wide range from three months to five years, and the minimum deposit of $500 is low.

In addition to regular certificates, Self-Help offers four other types of certificates: IRA certificates for retirement funds, and certificates that support women and children, eco-friendly initiatives or community investments in North Carolina.

Overview: Andrews Federal Credit Union focuses on serving military communities, especially near Washington, D.C., but membership is open to anyone nationwide. The standard share certificates range from terms of six months to seven years, and the minimum deposit is somewhat low. Andrews also has jumbo CDs for balances of $10,000 or higher, IRA CDs for retirement funds and bump-up (or raise your rate) CDs for up to three rate increases within a term.

Overview: SecurityPlus Federal serves the Baltimore community, the city where it’s based, as well as people nationwide. Its certificates have a wide range from three months to five years and a somewhat low minimum requirement of $1,000.

Overview: NASA Federal Credit Union, as its name suggests, focuses its membership on NASA employees but non-employees can also join. Variety and strong rates are defining hallmarks of the credit union’s share certificates, which range from six months to five years. The minimum deposit for standard terms, such as one year, three years and five years, is $1,000, while odd-term certificates with higher rates have a minimum of $10,000.

Overview: SchoolsFirst Federal Credit Union is a California-based institution that focuses on serving teachers and other employees at schools in the state. Its share certificates have terms from one month to five years, and yields are competitive. The minimum balance is $500, and if you have $20,000 or more, higher rates are available.

Overview: Founded in 1939 in Salt Lake City, America First serves various communities in Utah and nearby states. The credit union’s certificates have a standard range of terms from three months to five years with a low minimum deposit.

Overview: State Employees’ Credit Union of North Carolina is the second largest credit union in the U.S., but its membership is largely restricted to employees of the state and family members. SECU’s share term certificates have terms from six months to five years, and the minimum deposit is low.

Overview: Suncoast Credit Union mainly extends membership to residents in Florida. If that means you, you can take advantage of Suncoast’s share certificates with solid rates and a low minimum of $500.