1-Year Certificate of Deposit at Credit Unions
How credit unions handle 1-Year CD accounts — rates, fees, and what to watch.
What to Expect from Credit Unions 1-Year CD Accounts
Member-owned cooperatives insured by NCUA. Share rates often match or beat online banks; membership eligibility varies by geography or employer.
For 1-Year CD specifically: A time-locked deposit at a fixed APY for twelve months. The twelve-month term sits at the inflection point of the yield curve in most rate environments, balancing commitment with liquidity.. At credit unions, the rate pattern reflects their cost structure and competitive positioning in the deposit market.
Rate Summary — 1-Year CD at Credit Unions
Typical APY range
4.60–5.30%
Minimum balance
$500+
Rate range as of 15 May 2026. Rates change daily — verify before depositing.
Key Characteristics at Credit Unions
- Fixed rate for 12 months
- Higher than HYSA at most banks
- FDIC/NCUA insured
- Predictable income
Which Depositor Profiles Fit This Combination
Emergency Fund Builder
Accumulating 3–6 months of expenses in an accessible, liquid account. Prioritises FDIC saf…
View suitability analysis →
College Saver
Saving for education costs on a 5–18 year horizon. Values predictability; considers CDs fo…
View suitability analysis →
Retiree on Fixed Income
Drawing income from deposits. Prioritises rate predictability, CD ladders, and FDIC/NCUA c…
View suitability analysis →
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