Kirtland rates: up to 5.12% APY
credit union · NCUA CHARTER 12199 · www.kirtlandcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High-Yield Savings Account | $0.01 - $50,000 | 3.04% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Savings Account | $50,001 + | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Share (Savings) Accounts | $5-$999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Share (Savings) Accounts | $1,000+ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Deposit | Insured Money Management/Individual Retirement Accounts · Less than $2,000 | 1.46% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Deposit | Insured Money Management/Individual Retirement Accounts · $2,000 - $4,999 | 1.71% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Deposit | Insured Money Management/Individual Retirement Accounts · $5,000 - $24,999 | 1.87% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Deposit | Insured Money Management/Individual Retirement Accounts · $25,000 - $49,999 | 1.97% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Deposit | Insured Money Management/Individual Retirement Accounts · $50,000 - $99,999 | 2.22% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Deposit | Insured Money Management/Individual Retirement Accounts · $100,000+ | 2.48% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 months | 2.94% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 months | 3.09% | APY | 2026-11-01 | since 2026-11-01 | |
| 9-Month CD | 9 months | 3.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 months | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 months | 5.12% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 months | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 months | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 months | 3.51% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 months | 3.56% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Share Draft (Checking) Accounts | $500 to earn dividends | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.kirtlandcu.org/insured-savings/ | — | extract-failed | |
| www.kirtlandcu.org/rates-certificates/ | 2026-11-01 22:11 UTC | ok | e99e5b8f5942 |
| www.kirtlandcu.org/rates/ | 2026-11-01 22:11 UTC | ok | debdcb1a6b30 |