{"slug":"direct-federal-credit-union-3-8-or-16-month-cd-rate","category":"bank","institutionSlug":"direct-federal-credit-union","product":"3, 8, or 16-Month CD","title":"Direct Federal Credit Union 3, 8, or 16-Month CD: 4.25% APY","bonus":"4.25% APY","unit":"cash","amount":0,"reqShort":"New money only, limited-time offer","expiresOn":null,"status":"live","verifiedOn":"2026-08-09","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"direct.com","applyUrl":"https://www.direct.com/","summary":"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.","reqSteps":[],"finePrint":["New money only","For a limited time"],"apy":425,"apyTerm":"3, 8, or 16-month term","listedOn":"2026-08-09","listedAt":"2026-08-09T13:03:49.114Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"direct.com rate page","url":"https://www.direct.com/","checkedOn":"2026-08-09"}],"needsVerification":false}