--- title: This CD Offers an Eye-Popping 6% APY — and Almost Anyone Qualifies description: If you're looking for a risk-free way to save, a credit union called Credit Human now offers a 6% APY CD with easy eligibility requirements. authors: - name: Adam Hardy role: Lead Data Reporter url: https://money.com/author/adam-hardy/ bio: Adam Hardy is a lead data journalist at Money, where he frequently reports on financial barriers that affect low-income Americans. Adam’s work has also appeared in Business Insider, Forbes, Nasdaq, The Penny Hoarder, Yahoo! Finance and more than a dozen local and regional newspapers. education: University of South Florida, BA, Magazine Journalism at_money_since: 2021 articles: 498 covers: - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Pets - Professional Services - Retirement - Shopping - Taxes - Technology also_seen_in: - The Penny Hoarder - Forbes Advisor - Creative Loafing - The New York Times - The Washington Post - Bloomberg - Harvard Law School - The Federal Register - National Consumer Law Center - CBS News - Becker's Hospital Review - Business Insider - Mother Jones - The Week - Fortune - The Philadelphia Inquirer - National Association of Student Financial Aid Administrators (NAFSAA) - Education Advisory Board (EAB) - The Institute for College Access & Success (TICAS) - This Morning with Gordon Deal - Empower - Reddit social: - https://www.x.com/hardyjournalism - https://www.linkedin.com/in/hardyjournalism/ editors: - name: Brad Tuttle role: Senior Editor url: https://money.com/author/brad-tuttle/ bio: Brad Tuttle is a former senior editor at Money with over 10 years’ experience covering a vast number of personal finance topics, including careers, cars, travel, budgeting, investing, insurance, credit cards, consumer psychology, real estate, banking, and shopping and deals. education: Columbia University School of Journalism, MS at_money_since: 2014 articles: 366 covers: - Banking - Business - Career Advice - Credit - Credit Cards - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Pets - Professional Services - Retirement - Shopping - Taxes - Technology social: - https://twitter.com/bradrtuttle - https://linkedin.com/in/brad-tuttle-834b225 former_staff: true published: '2023-10-03T18:11:06.000Z' modified: '2023-10-03T18:11:06.000Z' section: Banking tags: - News word_count: 587 canonical: https://money.com/cd-6-percent-apy-credit-union/ type: NewsArticle source: structured-blocks --- > **Disclosure:** We may earn a fee if you click on the links below. Compensation does not determine ranking. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Photo-illustration of "6%" made from dollar bills.](https://img.money.com/2023/10/News-CD-6-Percecnt-APY.jpg) Finally, a [**certificate of deposit**](https://money.com/what-is-a-certificate-of-deposit/) (CD) with a sky-high yield that almost anyone can qualify for. Credit Human, a Texas-headquartered credit union, is now offering a [one-year CD with a 6%](https://www.credithuman.com/investments-planning/certificates-iras/share-certificate) annual percentage yield (APY), one of the **[best CD rates](https://money.com/best-cd-rates/)** available right now. By comparison, the national average APY on a one-year CD is 1.76%, according to the FDIC. Across the board, APYs have been rising in recent months — not just for CDs, but for [high-yield savings](https://money.com/best-high-yield-savings-accounts/) and [money market accounts](https://money.com/best-money-market-accounts/) too. As a side effect of the Federal Reserve’s interest rate hikes, soaring APYs have been a boon for savers. Credit Human’s 6% CD is not the highest we’ve seen so far in 2023. In fact, some other credit unions have offered [promotional rates of 7% APY](https://money.com/7-percent-apy-credit-union-accounts/) or more for savings accounts and CDs. What’s special about Credit Human’s CD is that it’s widely available to most Americans, whereas many [credit unions](https://money.com/best-credit-union/) have strict eligibility criteria. ## Save and grow your money without incurring risk — open a CD Account ### If you want your money to work a little harder but aren't sure about investing in stocks or bonds, look into a Certificate of Deposit (CD) with Bread Financial. Click on your state to open a CD account today! [See Offer](https://money.com/pr/j2ef08ad27bf?ap_referrer=%2Fcd-6-percent-apy-credit-union%2F) ## How to get a 6% APY CD with Credit Human Like with most credit unions, you have to become a member to do any banking with Credit Human. Credit unions are nonprofit organizations that typically cater to niche demographics, such as federal workers or residents of certain communities. Credit Human’s flexible membership criteria, on the other hand, stands out. While Credit Human is based out of San Antonio, you don’t have to be a resident of that city — or even the Lone Star state — to become a member. Here’s who qualifies: - Residents of San Antonio, New Orleans or surrounding communities - Veterans or active service members of the U.S. military - Students of one of the credit union’s dozens of college or trade school partners, such as Aveda Institute or DeVry University - Workers of one of the scores of partnering employers, including The Salvation Army or the Texas university system - Family members of one of the above or a current Credit Human member By credit union membership standards, these alone already cast a wide net. But if you don’t match the above criteria, the credit union will also extend eligibility to any U.S. citizen who joins the American Consumer Council (ACC), a nonprofit consumer education and advocacy organization. You can simply opt into joining the ACC when opening an account with Credit Human, and the credit union says it will cover your ACC enrollment fee (which is otherwise $15). Additionally, credit unions typically require members to deposit a “share” into an account. These often range from $5 to $15 and are, in reality, deposits made into a savings account at the credit union. Credit Human is no different, and it requires a $5 “share” to join. ## Opening a Certificate of Deposit (CD) account can be a safe way to grow your savings ### A Discover®️ CD account is a great financial tool to build your savings for a short-term goal. Click below to open a CD account. [See Offer](https://money.com/pr/laa05c687bed?ap_referrer=%2Fcd-6-percent-apy-credit-union%2F) Once a member, you can open a 6% APY CD with Credit Human with a minimum deposit of $500. ## Bottom line Banks and credit unions are jacking up APYs to lure in new depositors. It’s not impossible to find CD APYs higher than 6% at other credit unions. Alpena Alcona Area Credit Union, for example, boasts 7.19% APY on a promotional CD, however the CD is for seven months and restricted to Michigan residents only. Credit Human’s CD has a 6% APY that you can lock in for a full year. And what it lacks in interest rate, it certainly makes up for in broad availability. ![](https://s3.consumersadvocate.org/prd/image/image/36133/medium_540498b7-511a-4fa5-8824-09ca78d750b2.webp) Start growing your savings today with a CD from Bread Financial [See Offer](https://money.com/pr/gef6655c2bc3?ap_referrer=%2Fcd-6-percent-apy-credit-union%2F) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/cd-6-percent-apy-credit-union/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Banking", "item": "https://money.com/banking/" }, { "@type": "ListItem", "position": 3, "name": "Certificates of Deposit", "item": "https://money.com/certificates-of-deposit/" }, { "@type": "ListItem", "position": 4, "name": "This CD Offers an Eye-Popping 6% APY — and Almost Anyone Qualifies" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/cd-6-percent-apy-credit-union/#webpage", "url": "https://money.com/cd-6-percent-apy-credit-union/", "name": "This CD Offers an Eye-Popping 6% APY — and Almost Anyone Qualifies", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2023-10-03T18:11:06.000Z", "mainEntity": { "@id": "https://money.com/cd-6-percent-apy-credit-union/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/cd-6-percent-apy-credit-union/#breadcrumb" }, "dateModified": "2023-10-03T18:11:06.000Z" }, { "@type": "NewsArticle", "headline": "This CD Offers an Eye-Popping 6% APY — and Almost Anyone Qualifies", "articleSection": "Banking", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2023/10/News-CD-6-Percecnt-APY.jpg", "width": 2880, "height": 1920, "caption": "News-CD-6-Percent-APY" } ], "author": [ { "@type": "Person", "name": "Adam Hardy", "url": "https://money.com/author/adam-hardy/", "@id": "https://money.com/author/adam-hardy/#author", "description": "Adam Hardy is a lead data journalist at Money, where he frequently reports on financial barriers that affect low-income Americans. 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