Progressive Credit Union is offering several top CD rates, including a 3.91% APY 6-month CD, a 4.18% APY 15-month CD and a 4.22% APY 24-month CD. These rates are listed at the credit union’s rate table as of 2/27/09.

This credit union has a rather unique membership policy. You must be recommended by another member. This credit union only has 6,368 members, so it may be tough to get a letter of recommendation. Membership to Progressive Credit Union requires a $10 deposit and a $2.50 membership fee.

Progressive is a small, one-office credit union in New York, New York. It’s federally insured by the NCUA.