Savings Account & MMA Rates
CD (Certificate of Deposit) Rates 
It’s getting harder to find CD rates that hit or top 2% APY.
Sad, but true.
The top banks on our CD Rates Leaderboard last offered a rate that good at the beginning of January.
Yes, there are more than two dozen local deals on our list of the highest CD rates that pay at least 2%. But we have just five valid nationally available credit union deals that hit that mark.
Add one more.
We last featured Fort Knox Federal Credit Union in June 2011, when it paid 3.05% APY on 60-month CDs.
It doesn’t have nearly as good a deal today, but it does pay that increasingly elusive 2% APY on special 59-month CDs with a $500 minimum deposit.
One word of caution: This CD has a pretty hefty 1-year early withdrawal penalty.
Fort Knox FCU has a dozen branches surrounding the Kentucky military base and the nation’s gold repository.
Anyone can qualify for membership in Fort Knox by joining the American Consumer Council, right on the credit union’s website.
Just click on “Become a member” on the home page or rate page, then “Click here to get started.”
When you’re asked for “Eligibility Criteria,” use the pull-down menu to click on the “other” option.
When you complete the application, the credit union will automatically enroll you in the consumer advocacy group and you’ll be able to buy CDs as part of the application process.
Membership in the American Consumer Council is free. Joining the credit union costs $15.
Learn more about Fort Knox Federal Credit Union by visiting www.fkfcu.org or call 800-285-5669.
See how these returns compare with the best CD rates from scores of banks in our extensive database.
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