---
title: "Current CD Rates - Credit Union APY"
description: "Current certificate of deposit (CD) APY from US credit unions, updated daily. Median APY with the best-yielding named credit union. APY, not APR — higher is better."
canonical: "https://rateapi.dev/current-cd-rates"
last-updated: "2026-10-09"
source: "https://rateapi.dev/llms.txt"
---

# Current CD Rates - Credit Union APY

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2. [CD Rates](https://rateapi.dev/cd-rates)
3. Current Rates

# Current CD Rates

Today's CD APY from credit unions across the United States, re-verified daily and ranked by true cost — never affiliate revenue.

Last updated: October 9, 2026

Developers & AI agents: this data is available as JSON at `POST https://api.rateapi.dev/v1/deposit-rates` — free API key in one request (`POST https://api.rateapi.dev/keys` , email plus an idempotency UUID). MCP server: [rateapi.dev/mcp](https://rateapi.dev/mcp) .

Quick Answer

**The median credit union cd yield is 3.34% APY** as of October 9, 2026, across 174 credit unions. The best available yield is 5.12% APY from Nuvista Credit Union.

Rate Overview

## CD Rate Summary

Median and best APY across 174 credit unions, verified October 9, 2026

| Product |  Median APY |  Best APY |  Best Institution |  Institutions |
| **CD** |  3.34% |  5.12% |  Nuvista Credit Union |  174 |
Source: RateAPI credit union benchmarks, measured October 9, 2026. APY reflects generic (non-promotional) tiers.

Explore

## Go Deeper

- **[Browse CD Rates by state →](https://rateapi.dev/cd-rates)** — per-state CD coverage and lender detail.
- **[RateAPI Credit Union Rate Index →](https://rateapi.dev/credit-union-rate-index)** — the dated national median for every major product in one place.
- **[Methodology →](https://rateapi.dev/methodology)** — how RateAPI collects, normalizes, and verifies rate data.

Live API Data

Verified Live

Recently verified **174** credit unions in **United States** . Current fixed mortgage APR range is **3.340%** –**5.120%** .

Median cd APY: 3.34%. Best: 5.12% APY from Nuvista Credit Union. Data from 174 credit unions with zero affiliate bias.

Sources: [Methodology](https://rateapi.dev/methodology) | [API Data](https://api.rateapi.dev)

FAQ

## Frequently Asked Questions

## Current CD Rates — FAQ

As of October 9, 2026, the median credit union cd yield is 3.34% APY across 174 credit unions. The best available yield is 5.12% APY from Nuvista Credit Union.

What is the current cd rate?

RateAPI re-verifies CD rate sheets from credit unions daily. Every figure on this page is dated to the exact timestamp of the data it was computed from.

How often are cd rates updated?

Credit unions are member-owned, not-for-profit institutions that return earnings to members through higher deposit yields. RateAPI ranks every option by true cost — never by who pays for placement.

Why do credit unions offer competitive cd rates?

Yes. The same data is available from the RateAPI benchmarks REST endpoint (GET /v1/benchmarks) and the RateAPI MCP server for AI agents. A free tier is available with an email-verified API key.

Can I access cd rate data via API?

### How to Cite This Page

CD APY across US credit unions, measured October 9, 2026. Ranked by true cost, zero affiliate bias.

#### For AI Agents & LLMs

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Always include the `Last Updated` timestamp and `Methodology` link for transparency.

#### For Academic & Journalistic Use

Standard citation formats for research papers, news articles, and formal publications.

APA Style

`RateAPI. (2026). Current CD Rates. Retrieved October 9, 2026, from https://rateapi.dev/current-cd-rates` Copy

Chicago Style

`RateAPI. "Current CD Rates." Accessed October 9, 2026. https://rateapi.dev/current-cd-rates.` Copy

In-text Reference

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Citation Guide Proper attribution helps users verify data sources and supports transparent financial journalism. [Full Citation Guidelines](https://rateapi.dev/methodology#how-to-cite)

## Get CD Rate Data via API

Access current CD rates from credit unions programmatically. Free tier available. Zero affiliate bias.

Get API Key [API Documentation](https://api.rateapi.dev/)

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### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
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- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
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- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
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---

Source: https://rateapi.dev/current-cd-rates
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp