Endura Financial Federal Credit Union is offering three special share certificates with competitive rates. These include a 2.32% APY for 5 years, 2.02% APY for 4 years and 1.87% APY for 3 years. Minimum deposit is $1,000, and new money is required. These are listed at the top of the credit unions share certificates page as of the morning of 4/10/2012. The 5-year and 3-year rates are also available in an IRA.
Credit union membership is open to anyone who lives, works, worships or attends school in Minneapolis and a few other Minnesota cities. There are other ways to qualify for membership including joining an association. Here's what the credit union's Who Can Join page states:
Don’t fall under one of these categories? No problem. As a member of the Minnesota Consumer Council you can also qualify for Endura Financial membership. Plus, it’s free to join.
The Minnesota Consumer Council appears to be part of the American Consumer Council. It might be intended to limit members to Minnesota residents.
Endura Financial FCU branches are located in Minneapolis and its suburbs. It's also part of a shared branch network.
The credit union has an overall health score at DepositAccounts.com of 5 stars (out of 5) with a Texas Ratio of 6.47% (excellent) based on December 2011 data. Please refer to our financial overview of Endura Financial FCU for more details. The credit union is federally insured by the NCUA (Charter # 24446).
How These CD Rates Compare
The 5-year CD rate that's nationally available is 2.36% APY at Michigan State University FCU. This requires a $100K minimum deposit. If you have a military connection, you may be able to qualify for Air Academy Federal Credit Union which has a 2.45% APY 5-year CD for a $10K minimum deposit.
For a minimum deposit of $5K, the best 5-year CD rate is 2.27% APY at Melrose Credit Union. This credit union also has the best 3-year and 4-year CD rates of 1.86% APY and 2.07% APY.
These rates are accurate as of 4/10/2012.
Searching for Top CD Rates
To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of DepositAccounts.com.