Best of

Best Credit Union CD Rates

Spencer TierneyMay 13, 2019

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Summary of Best Credit Union CD Rates

Bank1-year APY3-year APY5-year APYMinimum DepositLearn More
Alliant Credit Union

Alliant Credit Union

2.35%

2.35%

2.45%

$1,000

Connexus Credit Union

Connexus Credit Union

2.20%

2.50%

2.60%

$5,000

First Tech Federal Credit Union

First Tech Federal Credit Union

2.15%

2.30%

2.40%

$500

Service Credit Union

Service Credit Union

2.15%

2.65%

2.55%

$1,000

Navy Federal Credit Union

Navy Federal Credit Union

2.25%

2.50%

3.25%

$1,000

America First Credit Union

America First Credit Union

2.75%

2.60%

2.70%

$500

PenFed Credit Union

PenFed Credit Union

1.80%

1.95%

2.05%

$1,000

Bank1-year APY3-year APY5-year APYMinimum DepositLearn More
Alliant Credit Union

Alliant Credit Union

2.35%

2.35%

2.45%

$1,000

Connexus Credit Union

Connexus Credit Union

2.20%

2.50%

2.60%

$5,000

First Tech Federal Credit Union

First Tech Federal Credit Union

2.15%

2.30%

2.40%

$500

Service Credit Union

Service Credit Union

2.15%

2.65%

2.55%

$1,000

Navy Federal Credit Union

Navy Federal Credit Union

2.25%

2.50%

3.25%

$1,000

America First Credit Union

America First Credit Union

2.75%

2.60%

2.70%

$500

PenFed Credit Union

PenFed Credit Union

1.80%

1.95%

2.05%

$1,000

1-year APY

2.35%

3-year APY

2.35%

5-year APY

2.45%

Minimum Deposit

$1,000

1-year APY

2.20%

3-year APY

2.50%

5-year APY

2.60%

Minimum Deposit

$5,000

1-year APY

2.15%

3-year APY

2.30%

5-year APY

2.40%

Minimum Deposit

$500

1-year APY

2.15%

3-year APY

2.65%

5-year APY

2.55%

Minimum Deposit

$1,000

1-year APY

2.25%

3-year APY

2.50%

5-year APY

3.25%

Minimum Deposit

$1,000

1-year APY

2.75%

3-year APY

2.60%

5-year APY

2.70%

Minimum Deposit

$500

1-year APY

1.80%

3-year APY

1.95%

5-year APY

2.05%

Minimum Deposit

$1,000

Summary of Best Credit Union CD Rates

Bank1-year APY3-year APY5-year APYMinimum DepositLearn More
Alliant Credit Union

Alliant Credit Union

2.35%

2.35%

2.45%

$1,000

Connexus Credit Union

Connexus Credit Union

2.20%

2.50%

2.60%

$5,000

First Tech Federal Credit Union

First Tech Federal Credit Union

2.15%

2.30%

2.40%

$500

Service Credit Union

Service Credit Union

2.15%

2.65%

2.55%

$1,000

Navy Federal Credit Union

Navy Federal Credit Union

2.25%

2.50%

3.25%

$1,000

America First Credit Union

America First Credit Union

2.75%

2.60%

2.70%

$500

PenFed Credit Union

PenFed Credit Union

1.80%

1.95%

2.05%

$1,000

Bank1-year APY3-year APY5-year APYMinimum DepositLearn More
Alliant Credit Union

Alliant Credit Union

2.35%

2.35%

2.45%

$1,000

Connexus Credit Union

Connexus Credit Union

2.20%

2.50%

2.60%

$5,000

First Tech Federal Credit Union

First Tech Federal Credit Union

2.15%

2.30%

2.40%

$500

Service Credit Union

Service Credit Union

2.15%

2.65%

2.55%

$1,000

Navy Federal Credit Union

Navy Federal Credit Union

2.25%

2.50%

3.25%

$1,000

America First Credit Union

America First Credit Union

2.75%

2.60%

2.70%

$500

PenFed Credit Union

PenFed Credit Union

1.80%

1.95%

2.05%

$1,000

» Want to see more CD options? Check out our list of the best CD rates overall

How do CDs at banks and credit unions differ?

Banks are for-profit institutions while credit unions are nonprofits. Your banking needs for CDs can generally be met at either.

Do banks or credit unions offer better rates?

On average, you can find credit unions with higher rates than traditional banks. However, online banks tend to be better than both, offering some of the best rates available.

» Curious about other savings options? Check out NerdWallet’s best high-yield online savings accounts

Last updated on May 13, 2019

Methodology

We took a close look at some of the nation's largest credit unions, based on deposits as well as broad-based membership requirements, in addition to other notable credit unions in the industry. Higher rates might be available elsewhere.