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Baxter Credit Union rates: up to 8.00% APY

credit union · NCUA CHARTER 68187 · www.bcu.org

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
Holiday ClubHoliday Club Savings 0.01%APY2026-11-01 since 2026-11-01
Rainy Day SavingsOn balances up to $25,000 1.40%APY2026-11-01 since 2026-11-01
Rainy Day SavingsOn balances above $25,000 and up to $50,000 1.90%APY2026-11-01 since 2026-11-01
Rainy Day SavingsOn remainder over $50,000 0.01%APY2026-11-01 since 2026-11-01
Regular Savings 0.01%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
Standard CDs3-month term · Rewards APY 0.60%APY2026-11-01 since 2026-11-01
Standard CDs3-month term · Regular APY 0.50%APY2026-11-01 since 2026-11-01
New Money CD Specials5-month term · Rewards APY 4.15%APY2026-11-01 since 2026-11-01
New Money CD Specials5-month term · Regular APY 4.15%APY2026-11-01 since 2026-11-01
Standard CDs6-month term · Rewards APY 1.35%APY2026-11-01 since 2026-11-01
Standard CDs6-month term · Regular APY 1.25%APY2026-11-01 since 2026-11-01
No Penalty CDs7-month term · Rewards APY 3.30%APY2026-11-01 since 2026-11-01
No Penalty CDs7-month term · Regular APY 3.20%APY2026-11-01 since 2026-11-01
CD Specials11-month term · Rewards APY 3.70%APY2026-11-01 since 2026-11-01
CD Specials11-month term · Regular APY 3.60%APY2026-11-01 since 2026-11-01
IRA CD Specials11-month term · Rewards APY 3.70%APY2026-11-01 since 2026-11-01
IRA CD Specials11-month term · Regular APY 3.60%APY2026-11-01 since 2026-11-01
Standard CDs12-month term · Rewards APY 1.40%APY2026-11-01 since 2026-11-01
Standard CDs12-month term · Regular APY 1.30%APY2026-11-01 since 2026-11-01
Standard IRA CDs12-month term · Rewards APY 1.40%APY2026-11-01 since 2026-11-01
Standard IRA CDs12-month term · Regular APY 1.30%APY2026-11-01 since 2026-11-01
No Penalty CDs13-month term · Rewards APY 3.15%APY2026-11-01 since 2026-11-01
No Penalty CDs13-month term · Regular APY 2.89%APY2026-11-01 since 2026-11-01
New Money CD Specials15-month term · Rewards APY 4.30%APY2026-11-01 since 2026-11-01
New Money CD Specials15-month term · Regular APY 4.30%APY2026-11-01 since 2026-11-01
CD Specials18-month term · Rewards APY 3.80%APY2026-11-01 since 2026-11-01
CD Specials18-month term · Regular APY 3.80%APY2026-11-01 since 2026-11-01
IRA CD Specials18-month term · Rewards APY 3.80%APY2026-11-01 since 2026-11-01
IRA CD Specials18-month term · Regular APY 3.80%APY2026-11-01 since 2026-11-01
CD Specials22-month term · Rewards APY 4.00%APY2026-11-01 since 2026-11-01
CD Specials22-month term · Regular APY 3.74%APY2026-11-01 since 2026-11-01
Standard CDs24-month term · Rewards APY 2.60%APY2026-11-01 since 2026-11-01
Standard CDs24-month term · Regular APY 2.34%APY2026-11-01 since 2026-11-01
Standard IRA CDs24-month term · Rewards APY 2.60%APY2026-11-01 since 2026-11-01
Standard IRA CDs24-month term · Regular APY 2.34%APY2026-11-01 since 2026-11-01
CD Specials30-month term · Rewards APY 4.15%APY2026-11-01 since 2026-11-01
CD Specials30-month term · Regular APY 3.89%APY2026-11-01 since 2026-11-01
IRA CD Specials30-month term · Rewards APY 4.15%APY2026-11-01 since 2026-11-01
IRA CD Specials30-month term · Regular APY 3.89%APY2026-11-01 since 2026-11-01
Standard CDs36-month term · Rewards APY 2.75%APY2026-11-01 since 2026-11-01
Standard CDs36-month term · Regular APY 2.49%APY2026-11-01 since 2026-11-01
Standard IRA CDs36-month term · Rewards APY 2.75%APY2026-11-01 since 2026-11-01
Standard IRA CDs36-month term · Regular APY 2.49%APY2026-11-01 since 2026-11-01
Standard CDs48-month term · Rewards APY 2.90%APY2026-11-01 since 2026-11-01
Standard CDs48-month term · Regular APY 2.64%APY2026-11-01 since 2026-11-01
Standard IRA CDs48-month term · Rewards APY 2.90%APY2026-11-01 since 2026-11-01
Standard IRA CDs48-month term · Regular APY 2.64%APY2026-11-01 since 2026-11-01
Standard CDs60-month term · Rewards APY 3.10%APY2026-11-01 since 2026-11-01
Standard CDs60-month term · Regular APY 2.84%APY2026-11-01 since 2026-11-01
Standard IRA CDs60-month term · Rewards APY 3.10%APY2026-11-01 since 2026-11-01
Standard IRA CDs60-month term · Regular APY 2.84%APY2026-11-01 since 2026-11-01
CD Specials65-month term · Rewards APY 4.25%APY2026-11-01 since 2026-11-01
CD Specials65-month term · Regular APY 3.99%APY2026-11-01 since 2026-11-01
IRA CD Specials65-month term · Rewards APY 4.25%APY2026-11-01 since 2026-11-01
IRA CD Specials65-month term · Regular APY 3.99%APY2026-11-01 since 2026-11-01

Money market

ProductTerm / tierRateBasisRecordedHistoryChange
IRA Money Market$0 to $999 0.05%APY2026-11-01 since 2026-11-01
IRA Money Market$1,000 or greater 0.10%APY2026-11-01 since 2026-11-01
Money Market SpecialLess than $15,000 0.05%APY2026-11-01 since 2026-11-01
Money Market Special$15,000+ Intro rate · promo 3.50%APY2026-11-01 since 2026-11-01
Money Market Special$15,000+ 1.25%APY2026-11-01 since 2026-11-01
Regular Money Market$1,000-$24,999 0.05%APY2026-11-01 since 2026-11-01
Regular Money Market$25,000-$99,999 0.10%APY2026-11-01 since 2026-11-01
Regular Money Market$100,000-$249,999 0.15%APY2026-11-01 since 2026-11-01
Regular Money Market$250,000-$499,999 0.20%APY2026-11-01 since 2026-11-01
Regular Money Market$500,000 and above 0.30%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
PowerPlus™ CheckingLevel 2 on balances up to $15,000 (introductory APY) · promo 8.00%APY2026-11-01 since 2026-11-01
PowerPlus™ CheckingLevel 2 on balances up to $15,000 4.00%APY2026-11-01 since 2026-11-01
PowerPlus™ CheckingLevel 1 on balances up to $15,000 (introductory APY) · promo 4.00%APY2026-11-01 since 2026-11-01
PowerPlus™ CheckingLevel 1 on balances up to $15,000 1.00%APY2026-11-01 since 2026-11-01
PowerPlus™ CheckingOn balances over $15,000 (introductory APY) · promo 0.01%APY2026-11-01 since 2026-11-01
PowerPlus™ CheckingOn balances over $15,000 0.01%APY2026-11-01 since 2026-11-01
Premier Business Checking 0.25%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.bcu.org/legal/rates2026-11-01 11:51 UTC okd4b532d70a51