bank rates

CommunityWide FCU Offers Can’t-Miss Nationwide Deal on 17- and 24-Month CDs

Our roundup of the country’s best credit union and community bank CDs is always full of about a hundred local and regional deals that outdo the best nationally available bank yields.

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But today we’ve added two new credit union CDs that anyone in the country can open – and they’re worth it because they beat virtually every nationwide certificate out there.

The newsmaker is CommunityWide Federal Credit Union, and for a $2,000 mimimum deposit it’s offering:

  • 17-month CDs at 1.50% APY.
  • 24-month CDs at 2.00% APY.

Both easily outperform the top nationally available bank returns on our CD Rates Leaderboard of 1.35% APY for 12 months and 1.50% APY for 24 months.

Even looking to credit unions, only one nationwide deal exists that pays more than CommunityWide, and that’s USAlliance’s 15-month certificate paying 1.51% APY.

Membership in Indiana-based CommunityWide is based primarily on being an employee or retiree of a long list of employers.

But anyone across the country can become eligible by donating $5 to one of two affiliated organizations, with CommunityWide handling the transaction for you at the time of processing your membership.

CommunityWide’s certificates of deposit are most easily opened at one of its 11 Indiana branches in South Bend, Elkhart, Mishawaka, Goshen, Granger, Warsaw and Plymouth.

Out-of-state depositors can open a CommunityWide CD by calling to request an application packet and returning the documents by mail. Note that a notarization of your signature will be required.

These deals won’t easily be beat. But it’s still always smart to check Bankrate’s extensive database of the day’s best CD rates before locking in any certificate, just in case.

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