Last Updated: 04/18/2025
Credit Human Federal Credit Union CD
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
3.00% - 5.10%(Verified 06/21/2024)
Minimum Opening Deposit
Starting at $500
Certificate Term
- 3 months
- 6 months
- 12 months
- 18 months
- 2 years
- 3 years
- 5 years
- 7 years
- 10 years
Credit Human Federal Credit Union CD Review
Credit Human Federal Credit Union CD are offered by Credit Human Federal Credit Union, a credit union founded in 1935 and based in San Antonio, TX. Credit Human CD are available in 50 states and Washington, DC.
Key Takeaways
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 5.10%, which is much higher than the national average for a CD account.
- $500 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
- Wide selection of CD terms. Credit Human CD allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Credit Human Federal Credit Union CD
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Credit Human Federal Credit Union CD FAQ
Are CD from Credit Human Federal Credit Union federally insured?
No, your Credit Human Federal Credit Union CD accounts are not insured by a federal insurance agency. This means that if Credit Human Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What types of CDs does Credit Human Federal Credit Union offer?
Credit Human CD provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
- liquid CDs. Liquid CDs, often called risk-free or breakable CDs, are a type of no-penalty CD that allows you to take out your money before the CD matures without paying a penalty.
- IRA CDs. An IRA CD is a type of IRA that consists entirely of CDs. In general, you can invest in CDs in any IRA, but Credit Human CD offers a CD that is specifically for retirement.
What rates does Credit Human Federal Credit Union offer on its CDs?
Credit Human CD offers an APY starting at 3.00% and ranging up to 5.10%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding. This is higher than the typical interest rate for online-only checking accounts, which is around 1% APY.
What terms does Credit Human CD offer?
Credit Human Federal Credit Union offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Month APY | Starting at 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | Starting at 5.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 3.00% - 5.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | Starting at 4.70% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | Starting at 4.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | Starting at 4.35% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | Starting at 4.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7-Year APY | Starting at 4.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18-Month APY | Starting at 4.80% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10-year APY | Starting at 4.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with Credit Human Federal Credit Union?
Credit Human CD require a minimum deposit of $500 to open an account.
What is the grace period for Credit Human CD?
Credit Human CD does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does Credit Human Federal Credit Union charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
Credit Human Federal Credit Union charges an early withdrawal fee.
Credit Human Federal Credit Union does charge any of the fees we track.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed