bank rates

CommunityWide FCU Offers Can’t-Miss Nationwide 6-Month CD Deal

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


But we’ve recently found a new credit union CD that anyone in the country can open – and it’s worth a look because it beats virtually every nationwide 6-month certificate out there.

The newsmaker is CommunityWide Federal Credit UnionFor a $2,000 minimum deposit, it’s offering the top 6-month CD in the country right now, paying 2.30% APY.

That easily outperforms the top nationally available bank return on our CD Rates Leaderboard of 2.00% APY for a 6-month CD. And it’s well above the national average of 0.44% APY for 6-month CDs. 

Here’s a full list of CommunityWide Federal Credit Union’s CD rates:

CommunityWide Federal Credit Union CD Rates
Term Rate Minimum
6-month 2.30% APY $2,000
1-year 2.65% APY $2,000
18-month 2.75% APY $2,000
2-year 2.90% APY $2,000
30-month 2.95% APY $2,000
3-year 3.00% APY $2,000
4-year 3.10% APY $2,000
5-year 3.20% APY $2,000

Membership requirements

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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