+ See a summary of the best credit union CD rates Best Credit Union CD rates Easy to join: Alliant Credit Union: 2.65%–3.00% APY, $1,000 minimum deposit Connexus Credit Union: 2.75%–3.40% APY, $5,000 minimum deposit First Tech Federal Credit Union: 1.25%–2.90% APY, $500 minimum deposit Great rates but restrictive membership: Service Credit Union: 0.75%–2.75% APY,... Spencer Tierney is a writer at NerdWallet.