Direct Federal Credit Union offers 4.25% APY on CDs with 3, 8, or 16-month terms for new money only, for a limited time. This is a promotional rate. The rate applies to any of the three term lengths.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Direct Federal Credit Union 3, 8, or 16-Month CD rate
- Apply through the offer page to open the 3, 8, or 16-Month CD.
- Complete the requirement: New money only, limited-time offer.
The fine print that matters
- New money only
- For a limited time
Verification and reports
Confirmed against direct.com on Aug 9, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: direct.com rate page (checked Aug 9, 2026)
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