Hiway Federal Credit Union Offers Competitive 4-Year CD


Availability: Easy membership

Hiway Federal Credit Union (Hiway FCU) ended the work week by raising the rate on its 48-59 month CD (2.10% APY). This is the first rate increase for the 48-59 month CD since its initial offering in January 2011.

The minimum opening deposit to earn the 2.10% APY is $10K; deposits less than $10K earn 1.30% APY.

The 48-59 month CD is also available as an IRA (Traditional, Roth, and CESA) earning the same APYs, with the same funding requirements.

2.90*%$25k-Hiway Federal Credit Union48 – 59 Month CD
OTHER TIERS: 2.70% $500 - $10k | 2.80% $10k - $25k
2.90*%$25k-Hiway Federal Credit Union48 – 59 Month IRA (Traditional, Roth, CESA)
OTHER TIERS: 2.70% $500 - $10k | 2.80% $10k - $25k
Rates as of May 20, 2019.

As stated in Certificate Accounts Disclosure, the Early Withdrawal Penalty reads as follows:

If your account has an original maturity of greater than 47 months, the penalty we may impose will equal 365 days dividends.


Headquartered in Saint Paul, MN, Hiway Federal Credit Union offers membership in a variety of ways:

Residency: Individuals who live, work, worship, or attend school in Saint Paul/Minneapolis Metro Community Area are eligible to join.

Employment: Employees of over 215 SEGs (including Minnesota Department of Transportation, Minnesota Department of Public Safety, and the State of Minnesota) are eligible to join.

Relationship: Individuals whose family members or household members qualify for membership are eligible.

Other: Anyone, regardless of residency, who joins the Minnesota Recreation and Park Foundation (MRPF) or the Association of the United States Army (AUSA) is eligible to join Hiway FCU.

MRPF is a non-profit organization dedicated to promoting recreation and parks for the purpose of enhancing the quality of life in Minnesota communities.

The AUSA is a private, non-profit educational organization that supports America’s Military-Active Army, Army National Guard, Army Reserve, Government Civilians, Retires, Veterans, Disabled Veterans, Family Members and Civilians.

Complete details about membership eligibility, including links for application to MRPF and AUSA, can be found on Hiway FCU’s "How to Join" page.

Joining Hiway FCU and/or opening a CD can be done online or at any of five Minnesota branches located in Fort Snelling, Minneapolis, and Saint Paul (3).

Credit Union Overview

Hiway Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas ratio of 2.78% (excellent) based on March 31, 2015 data. In the past year, Hiway FCU increased its total deposits by $23.07 Million, an above average annual growth rate of 2.7%. Please refer to our financial overview of Hiway Federal Credit Union for more details.

Established in 1931 for the benefit of the employees of the Minnesota Highway Department, Hiway Federal Credit Union (NCUA Charter # 24360) is Minnesota’s fifth largest credit union. In 2014, Hiway FCU was honored with a Desjardins Adult Financial Education Award, which is named after Alphonse Desjardins, the "father" of the North American credit union movement. Jointly sponsored by the Minnesota Credit Union Network and the Credit Union National Association, the award recognizes leadership in improving adult financial literacy by a credit union. Hiway FCU currently serves over 62,000 members worldwide, and holds assets in excess of $986 Million.

How the CD Compares

When compared to the 109 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are nationally available, Hiway Federal Credit Union's 48-59 month CD currently ranks second.

The above rates are accurate as of 7/25/2015.

To look for the best nationwide CD rates and the best CD rates in your state, please refer to our CD rates table.


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.