HAPO Community Credit Union is offering some competitive mid-term CD and IRA CD rates. The best include a 1.50% APY 18-month CD, a 2.15% APY 3-year CD and a 2.40% APY 4-year CD. Minimum deposit is $5,000. These rates are listed in the credit union's rates page as of 2/24/2011.
These rates compare favorably to the best rates available at internet banks. The best 18-month CD rate is 1.55% APY at Incredible Bank, and the best 3-year CD rate is 2.00% APY at OneWest Bank. For credit unions with easy membership, you can get a little higher 3-year CD rate of 2.25% APY at Fort Knox FCU.
Membership at HAPO Community Credit Union is open to anyone who lives, works, worships or attends school in Washington State. You may even become a member if you have a relative who is a member or is eligible to become a member. Please refer to the credit union membership page for more details.
Even though they allow anyone in Washington State to join, they don't make it easy if you don't live near a branch. According to the CSR, if you join by mail, the documentation would need to be notarized as well as a notarized copy of your photo ID.
Branches are located in the Central Washington cities of Richland, Kennewick, Pasco, Yakima, Sunnyside and Walla Walla.
The credit union has an overall health score at DepositAccounts.com of 4 stars (out of 5) and a Texas Ratio of 2.00% (excellent) based on December 2010 data. Please refer to our financial overview of HAPO Community Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 68239).
Searching for the Best CD Rates
To search for the best nationwide CD rates and the best CD rates in your state, please refer to the CD rates section of DepositAccounts.com.