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CDC Federal Credit Union

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CDC Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at CDC Federal Credit Union?

Current rates for CDC Federal Credit Union include: 12-Month CD: 1.00%, 24-Month CD: 2.53%, 60-Month CD: 1.51%, Savings: 0.05%, MMA: 0.45%

Q: What CD terms does CDC Federal Credit Union offer?

CDC Federal Credit Union CD rates are 4.59% APY for a 12 month CD, 2.53% APY for a 23 month CD, 2.53% APY for a 2 year CD, 3.04% APY for a 3 year CD, 1.51% APY for a 59 month CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with CDC Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

CDC Federal Credit Union's Rewards CDs - 12 month rates are at 4.59%, Rewards CDs - 60 month rates are at 3.30%, Rewards CDs - 36 month rates are at 3.04%, 12 - 23 Month CD rates are at 2.53%, 48 - 59 Month CD rates are at 1.51%. CDC Federal Credit Union's savings rates are at 0.05%. CDC Federal Credit Union's money market rates are at 0.45%. CDC Federal Credit Union's checking rates are as high as 3.56%. CDC Federal Credit Union's Home Loan - 10 Year Fixed rates are at 6.75%, Home Loan - 15 Year Fixed rates are at 6.88%, Home Loan - 30 Year Fixed rates are at 7.38%, Home Loan - 20 Year Fixed rates are at 7.38%. CDC Federal Credit Union's Personal Loan Rates are as low as 8.95%. CDC Federal Credit Union's CD rates are 13% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of CDC Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.99%. Rates last updated and verified on 10/28/2026.

CDC Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CDC Federal Credit Union? Share your experience about CDC Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CDC Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.99%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

CDC Federal Credit Union
Northlake Office Park

2301 Parklake Dr NE
Atlanta, GA 30345-2912

https://www.cdcfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

CDC Federal Credit Union CD Rates

Product	Rate	APY	Term
Rewards Certificates - 12 month	4.50%	4.59%	12 Months
Min Deposit $1,000 Details Tenure: 20+ Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07% Oct 8, 20264.59%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 12 month	4.00%	4.07%	12 Months
Min Deposit $1,000 Details Tenure: 15-19 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 12 month	3.50%	3.56%	12 Months
Min Deposit $1,000 Details Tenure: 10-14 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 12 month	3.25%	3.30%	12 Months
Min Deposit $1,000 Details Tenure: 15-19 Yrs; Active Checking: No Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 60 month	3.25%	3.30%	60 Months
Min Deposit $1,000 Details Tenure: 20+ Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 12 month	3.00%	3.04%	12 Months
Min Deposit $1,000 Details Tenure: 5-9 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 36 month	3.00%	3.04%	36 Months
Min Deposit $1,000 Details Tenure: 20+ Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 12 month	2.75%	2.78%	12 Months
Min Deposit $1,000 Details Tenure: 0-4 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 60 month	2.75%	2.78%	60 Months
Min Deposit $1,000 Details Tenure: 15-19 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
12 - 23 Month Certificate	2.50%	2.53%	12-23 Months
Min Deposit $1,000 Details Dividend period: all monthly; $500 minimum for IRA and student certificates Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 36 month	2.50%	2.53%	36 Months
Min Deposit $1,000 Details Tenure: 15-19 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 60 month	2.25%	2.27%	60 Months
Min Deposit $1,000 Details Tenure: 10-14 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 36 month	2.00%	2.02%	36 Months
Min Deposit $1,000 Details Tenure: 10-14 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 60 month	2.00%	2.02%	60 Months
Min Deposit $1,000 Details Tenure: 15-19 Yrs; Active Checking: No Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 36 month	1.75%	1.76%	36 Months
Min Deposit $1,000 Details Tenure: 15-19 Yrs; Active Checking: No Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 60 month	1.75%	1.76%	60 Months
Min Deposit $1,000 Details Tenure: 5-9 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
48 - 59 Month Certificate	1.50%	1.51%	48-59 Months
Min Deposit $1,000 Details Dividend period: all monthly; $500 minimum for IRA and student certificates Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 36 month	1.50%	1.51%	36 Months
Min Deposit $1,000 Details Tenure: 5-9 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 60 month	1.50%	1.51%	60 Months
Min Deposit $1,000 Details Tenure: 0-4 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
24 - 35 Month Certificate	1.25%	1.26%	24-35 Months
Min Deposit $1,000 Details Dividend period: all monthly; $500 minimum for IRA and student certificates Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Rewards Certificates - 36 month	1.25%	1.26%	36 Months
Min Deposit $1,000 Details Tenure: 0-4 Yrs; Active Checking: Yes Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
36 - 47 Month Certificate	1.00%	1.00%	36-47 Months
Min Deposit $1,000 Details Dividend period: all monthly; $500 minimum for IRA and student certificates Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
6 - 11 Month Certificate	1.00%	1.00%	6-11 Months
Min Deposit $1,000 Details Dividend period: all monthly; $500 minimum for IRA and student certificates Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
2 - 5 Month Certificate	0.50%	0.50%	2-5 Months
Min Deposit $1,000 Details Dividend period: all monthly; $500 minimum for IRA and student certificates Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.05%	0.05%
Min Balance $25 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Custom Share	0.05%	0.05%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Prime Share Savings	0.05%	0.05%
Min Balance $25 Details Maintain average daily balance of $25 or more ($0.00 if under age 18), otherwise $5 per month Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.45%	0.45%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and over; $1,000 minimum balance to open account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999; $1,000 minimum balance to open account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Money Market	0.35%	0.35%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; $1,000 minimum balance to open account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500 - $9,999; $1,000 minimum balance to open account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499; $1,000 minimum balance to open account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union Checking Rates

Product	Rate	APY
Student Checking	3.50%	3.56%
Min Deposit $25 Details Student checking up to age 23; 3.56% APY paid on deposits up to $1,000. Restrictions apply. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Choice Checking	0.01%	0.01%
Min Deposit $25 Details Minimum average daily balance of $1,500 to avoid $15.00 monthly service charge (or $5,000 aggregate MIF balance, or consumer loan of $10,000 or more) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Vintage Checking	0.01%	0.01%
Min Deposit $25 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Home Loan - 10 Year Fixed	6.75%	-	7.085%	10 years
Details Conventional (conforming) rate; 45 day lock-in; single-family owner-occupied; 80% LTV or less; credit score 720 or higher Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Home Loan - 15 Year Fixed	6.875%	-	7.114%	15 years
Details Conventional (conforming) rate; 45 day lock-in; single-family owner-occupied; 80% LTV or less; credit score 720 or higher Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.11% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Home Loan - 30 Year Fixed	7.375%	-	7.513%	30 years
Details Conventional (conforming) rate; 45 day lock-in; single-family owner-occupied; 80% LTV or less; credit score 720 or higher Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.51% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Home Loan - 20 Year Fixed	7.375%	-	7.571%	20 years
Details Conventional (conforming) rate; 45 day lock-in; single-family owner-occupied; 80% LTV or less; credit score 720 or higher Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.75%	0-24 Months
Details Best APR: 3.75%; Member reward discount up to 1.00% for qualifying members (11 year tenure, savings/checking account, previous or current loans, direct deposit and auto transfer from CDC FCU) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Auto Loan	-	-	4.75%	25-48 Months
Details Best APR: 3.75%; Member reward discount up to 1.00% for qualifying members (11 year tenure, savings/checking account, previous or current loans, direct deposit and auto transfer from CDC FCU) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Auto Loan	-	-	4.75%	49-60 Months
Details Best APR: 3.75%; Member reward discount up to 1.00% for qualifying members (11 year tenure, savings/checking account, previous or current loans, direct deposit and auto transfer from CDC FCU) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Auto	-	-	4.95%	0-24 Months
Details Best APR: 3.95%; member reward discount of up to 1.00% applies; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Auto	-	-	4.95%	25-48 Months
Details Best APR: 3.95%; member reward discount of up to 1.00% applies; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Auto	-	-	4.95%	49-60 Months
Details Best APR: 3.95%; member reward discount of up to 1.00% applies; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Auto Loan	-	-	5.65%	61-72 Months
Details Best APR: 4.65%; Member reward discount up to 1.00% for qualifying members (11 year tenure, savings/checking account, previous or current loans, direct deposit and auto transfer from CDC FCU) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Auto	-	-	5.85%	61-72 Months
Details Best APR: 4.85%; member reward discount of up to 1.00% applies; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Auto Loan	-	-	6.65%	73-84 Months
Details Best APR: 5.65%; Member reward discount up to 1.00% for qualifying members (11 year tenure, savings/checking account, previous or current loans, direct deposit and auto transfer from CDC FCU) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.65% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Auto	-	-	6.85%	73-84 Months
Details Best APR: 5.85%; member reward discount of up to 1.00% applies; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicle - 0-24 Months Loan	-	5.55%	0-24 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Motorcycle Loan	-	5.80%	0-24 Months
Details Rates based on credit evaluation; lowest rates available Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Recreational Vehicle - 25-48 Months Loan	-	5.80%	25-48 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Motorcycle Loan	-	6.30%	25-48 Months
Details Rates based on credit evaluation; lowest rates available Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.30% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Recreational Vehicle - 49-60 Months Loan	-	6.30%	49-60 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	6.55%	0-24 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Motorcycle Loan	-	6.80%	49-60 Months
Details Rates based on credit evaluation; lowest rates available Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Motorcycle Loan	-	6.80%	0-24 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	6.80%	25-48 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Motorcycle Loan	-	7.30%	61-72 Months
Details Rates based on credit evaluation; lowest rates available Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.30% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Motorcycle Loan	-	7.30%	25-48 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.30% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	7.30%	49-60 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.30% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Recreational Vehicle - 61-72 Months Loan	-	7.55%	61-72 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Motorcycle Loan	-	7.80%	49-60 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Motorcycle Loan	-	8.30%	61-72 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.30% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Recreational Vehicle - 73-84 Months Loan	-	8.55%	73-84 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	8.55%	61-72 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Recreational Vehicle - 85-120 Months Loan	-	9.55%	85-120 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	9.55%	73-84 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Recreational Vehicle - 121-144 Months Loan	-	10.55%	121-144 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 10.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	10.55%	85-120 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
New Recreational Vehicle - 145-180 Months Loan	-	11.55%	145-180 months
Details Rates are lowest rates available; based on credit evaluation Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 11.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	11.55%	121-144 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 11.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Used Recreational Vehicle Loan	-	12.55%	145-180 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 12.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.95%	0-12 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Personal Loan	8.95%	13-24 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Personal Loan	9.95%	25-36 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Personal Loan	9.95%	37-48 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Personal Loan	12.45%	49-60 Months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 12.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

CDC Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Equity Line of Credit	-	-	8.00%	10 Years
Details Owner occupied; Up to 90% CLTV Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Next Generation	6.00%	-	6.17%
Details Exclusively for members under the age of 19; 6.17% APY paid on deposits up to $10,000; Qualifying balance up to $10,000.00; Restrictions apply Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 6.17% ▲ 2.61 pts · high 6.17% / low 3.56% Oct 4, 20266.17%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%
Primary IRA	0.05%	-	0.05%
Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.99%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CDC Federal Credit Union’s Texas Ratio fell from 5.21% in Q3 2023 to 2.99% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$414M	2.99%	5.0	A+
March 31, 2026	$436M	2.72%	5.0	A+
December 31, 2025	$437M	3.16%	5.0	A+
September 30, 2025	$436M	4.20%	5.0	A+
June 30, 2025	$433M	3.18%	5.0	A+
March 31, 2025	$430M	3.13%	5.0	A+
December 31, 2024	$437M	4.79%	5.0	A+
September 30, 2024	$466M	5.70%	5.0	A+
June 30, 2024	$464M	5.45%	5.0	A+
March 31, 2024	$464M	7.07%	5.0	A
December 31, 2023	$461M	6.91%	5.0	A
September 30, 2023	$456M	5.21%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for CDC Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather CDC Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CDC Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CDC Federal Credit Union

Website https://www.cdcfcu.com

Address 2301 Parklake Dr NE, Atlanta, GA 30345-2912

Phone 404-325-3270

Fax

President Sarah Smith

CEO Australia Hoover

Full-Time Employees 43

Part-Time Employees 0

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.99%

Return on Assets (ROA)

-0.2907%

Return on Equity (ROE)

-3.0247%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

414,363,922

Total Amount of Shares and Deposits

363,933,555

Total Shares and Deposits < 1 Year

332,203,456

Total Shares and Deposits 1 3 Years

29,060,367

Total Shares and Deposits > 3 Years

2,669,733

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

68,958,326

Total Uninsured Shares and Deposits > $250K (F+J)

68,958,326

Total Insured Shares and Deposits > $250K (item 17 less item K)

294,975,229

Total Interest Expense (Sum of items 6 8)

2,531,899

Share Certificates

1,968

Number of Accounts for Share Drafts

27,180

IRA KEOGH Accounts

2,336

Number of Accounts for Regular Shares

33,790

All other shares

4,773

Money Market Shares

1,468

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,470,407

Total Liabilities

409,161,033

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

CDC Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About CDC Federal Credit Union

Does CDC Federal Credit Union offer CDs?

Yes. CDC Federal Credit Union current CD rates include its Rewards CDs - 12 month at 4.59% APY, its Rewards CDs - 60 month at 3.30% APY and its Rewards CDs - 36 month at 3.04% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from CDC Federal Credit Union NCUA insured?

Yes. CDC Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at CDC Federal Credit Union?

The highest CDC Federal Credit Union CD rate is its Rewards CDs - 12 month at 4.59% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does CDC Federal Credit Union offer?

CDC Federal Credit Union CD rates are 4.59% APY for a 12 month CD, 2.53% APY for a 23 month CD, 2.53% APY for a 2 year CD, 3.04% APY for a 3 year CD, 1.51% APY for a 59 month CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with CDC Federal Credit Union for its full lineup.

What is the highest savings rate at CDC Federal Credit Union?

The highest CDC Federal Credit Union savings rate is its Prime Savings at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at CDC Federal Credit Union?

The highest CDC Federal Credit Union money market rate is its Money Market at 0.45% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at CDC Federal Credit Union?

The highest CDC Federal Credit Union checking rate is its Student Checking at 3.56% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at CDC Federal Credit Union?

The lowest CDC Federal Credit Union 30 year fixed mortgage rate is its Home Loan - 30 Year Fixed at 7.375%, verified by MonitorBankRates as of October 28, 2026. CDC Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.375% for a 20 year mortgage, 6.875% for a 15 year mortgage and 6.75% for a 10 year mortgage.

What is the lowest auto loan rate at CDC Federal Credit Union?

The lowest CDC Federal Credit Union auto loan rate is its New Auto Loan at 4.75% APR, verified by MonitorBankRates as of October 28, 2026. CDC Federal Credit Union auto loan rates are 5.55% APR for a 24 month auto loan, 5.80% APR for a 48 month auto loan, 6.30% APR for a 60 month auto loan, 7.55% APR for a 72 month auto loan, 8.55% APR for an 84 month auto loan, 9.55% APR for a 120 month auto loan, 10.55% APR for a 144 month auto loan and 11.55% APR for a 180 month auto loan.

What is the lowest personal loan rate at CDC Federal Credit Union?

The lowest CDC Federal Credit Union personal loan rate is its Personal Loan at 8.95% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does CDC Federal Credit Union operate?

CDC Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CDC Federal Credit Union?

Yes, to access services at CDC Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CDC Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CDC Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does CDC Federal Credit Union offer online and mobile banking?

Most modern institutions like CDC Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cdcfcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do CDC Federal Credit Union rates compare?

CDC Federal Credit Union's CD rates are 13% lower than the MonitorBankRates national average, and it has an A+ health rating. CDC Federal Credit Union's top rates are its Rewards CDs - 12 month at 4.59% APY, its Prime Savings at 0.05% APY, its Money Market at 0.45% APY, its Student Checking at 3.56% APY, its Home Loan - 10 Year Fixed at 6.75% and its Personal Loan at 8.95% APR, verified by MonitorBankRates on October 28, 2026.

Current CDC Federal Credit Union Rates

12-Month CD1.00%
24-Month CD2.53%
60-Month CD1.51%
Savings0.05%
MMA0.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

CDC Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

CDC Federal Credit Union Texas Ratio

CDC Federal Credit Union Health Trend

CDC Federal Credit Union CD Rates

CDC Federal Credit Union Savings Rates

CDC Federal Credit Union Money Market Rates

CDC Federal Credit Union Checking Rates

CDC Federal Credit Union Mortgage Rates

CDC Federal Credit Union Auto Loan Rates

CDC Federal Credit Union RV, Boat and Powersport Loan Rates

CDC Federal Credit Union Personal Loan Rates

CDC Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

CDC Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About CDC Federal Credit Union

Does CDC Federal Credit Union offer CDs?

Are CDs from CDC Federal Credit Union NCUA insured?

What is the highest CD rate at CDC Federal Credit Union?

What CD terms does CDC Federal Credit Union offer?

What is the highest savings rate at CDC Federal Credit Union?

What is the highest money market rate at CDC Federal Credit Union?

What is the highest checking rate at CDC Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at CDC Federal Credit Union?

What is the lowest auto loan rate at CDC Federal Credit Union?

What is the lowest personal loan rate at CDC Federal Credit Union?

How many branches does CDC Federal Credit Union operate?

Is a member application needed to join CDC Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does CDC Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do CDC Federal Credit Union rates compare?

Current CDC Federal Credit Union Rates

Compare to Other Credit Unions