Fedchoice rates: up to 4.10% APY

credit union · NCUA CHARTER 150 · www.fedchoice.org/

Savings

Product	Term / tier	Rate	Basis	Checked	Change
Holiday Club	$0.00	0.20%	APY	checked 1 Nov 2026	since 2026-11-01
IRA Share Account	$100.00	0.25%	APY	checked 1 Nov 2026	since 2026-11-01
IRA Share Account	$1,500.01	0.35%	APY	checked 1 Nov 2026	since 2026-11-01
IRA Share Account	$20,000.01	0.45%	APY	checked 1 Nov 2026	since 2026-11-01
Main Share Savings	$5.00	0.20%	APY	checked 1 Nov 2026	since 2026-11-01
Savings Account	$100.00	0.25%	APY	checked 1 Nov 2026	since 2026-11-01
Savings Account	$1,500.01	0.35%	APY	checked 1 Nov 2026	since 2026-11-01
Savings Account	$20,000.01	0.45%	APY	checked 1 Nov 2026	since 2026-11-01
Special Savings Account	$0.00	0.20%	APY	checked 1 Nov 2026	since 2026-11-01

CDs

Product	Term / tier	Rate	Basis	Checked	Change
Regular Share Certificate	6 Months Mini-Jumbo	3.30%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	6 Months Regular	3.25%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	6 Months Mini-Jumbo	3.30%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	6 Months Regular	3.25%	APY	checked 1 Nov 2026	since 2026-11-01
11 Months Share Certificate	11 months	4.00%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	12 Months Mini-Jumbo	3.80%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	12 Months Regular	3.75%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	12 Months Mini-Jumbo	3.80%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	12 Months Regular	3.75%	APY	checked 1 Nov 2026	since 2026-11-01
13 Months Share Certificate	13 months	4.10%	APY	checked 1 Nov 2026	since 2026-11-01
18 Month IRA	18 months	3.35%	APY	checked 1 Nov 2026	since 2026-11-01
18 Month IRA Mini-Jumbo	18 months	3.40%	APY	checked 1 Nov 2026	since 2026-11-01
18 Month Roth IRA	18 months	3.35%	APY	checked 1 Nov 2026	since 2026-11-01
18 Month Roth IRA Mini-Jumbo	18 months	3.40%	APY	checked 1 Nov 2026	since 2026-11-01
18 Month SEP IRA	18 months	3.35%	APY	checked 1 Nov 2026	since 2026-11-01
18 Month SEP IRA Mini-Jumbo	18 months	3.40%	APY	checked 1 Nov 2026	since 2026-11-01
Coverdell ESA Share Certificate	18 Month · $250.00	3.35%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	18 Months Mini-Jumbo	3.40%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	18 Months Regular	3.35%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	18 Months Mini-Jumbo	3.40%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	18 Months Regular	3.35%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	24 Months Mini-Jumbo	3.65%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	24 Months Regular	3.60%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	24 Months Mini-Jumbo	3.65%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	24 Months Regular	3.60%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	36 Months Mini-Jumbo	3.45%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	36 Months Regular	3.40%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	36 Months Mini-Jumbo	3.45%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	36 Months Regular	3.40%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	48 Months Mini-Jumbo	3.20%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	48 Months Regular	3.15%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	48 Months Mini-Jumbo	3.20%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	48 Months Regular	3.15%	APY	checked 1 Nov 2026	since 2026-11-01
60 Month IRA	5 years	2.75%	APY	checked 1 Nov 2026	since 2026-11-01
60 Month IRA Mini-Jumbo	5 years	3.05%	APY	checked 1 Nov 2026	since 2026-11-01
60 Month Roth IRA	5 years	2.75%	APY	checked 1 Nov 2026	since 2026-11-01
60 Month Roth IRA Mini-Jumbo	5 years	3.05%	APY	checked 1 Nov 2026	since 2026-11-01
60 Month SEP IRA	5 years	2.75%	APY	checked 1 Nov 2026	since 2026-11-01
60 Month SEP IRA Mini-Jumbo	5 years	3.05%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	60 Months Mini-Jumbo	3.05%	APY	checked 1 Nov 2026	since 2026-11-01
Regular Share Certificate	60 Months Regular	3.00%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	60 Months Mini-Jumbo	3.05%	APY	checked 1 Nov 2026	since 2026-11-01
Save With Confidence	60 Months Regular	3.00%	APY	checked 1 Nov 2026	since 2026-11-01

Money market

Product	Term / tier	Rate	Basis	Checked	Change
Money Markets	$1,500.00	1.05%	APY	checked 1 Nov 2026	since 2026-11-01
Money Markets	$20,000.01	1.10%	APY	checked 1 Nov 2026	since 2026-11-01
Money Markets	$50,000.01	1.40%	APY	checked 1 Nov 2026	since 2026-11-01
Money Markets	$100,000.01	1.65%	APY	checked 1 Nov 2026	since 2026-11-01

Checking

Product	Term / tier	Rate	Basis	Checked	History	Change
High Yield Checking^	$0	4.00%	APY	checked 1 Nov 2026		since 2026-11-01
Premium Checking	$1,500	0.15%	APY	checked 1 Nov 2026		since 2026-11-01

0 rates hidden because they were not re-checked in over 3 days. A row not re-checked for over 1 day is marked stale and never heads a ranking.

Sources and evidence

Page	Last captured	Last result	Digest
www.fedchoice.org/share-certificates	2026-11-02 04:53 UTC	ok	e88a58dfcf13
www.fedchoice.org/deposit-rates	2026-11-02 04:53 UTC	ok	2ea02530a5c6