I think I have answered my own question. The info that was being quoted appears to be for MM - savings - etc. Accounts that are normally variable.
I do have another concern that came up - it appears that the CU insurance may only pay principle in case of failure but FDIC includes interest. Don't know for sure yet.
I will continue to monitor this as CU rates are becoming very attractive. The last AFCU rate was 6.5% for 5 years - hard to beat (unless inflation sets in then all bets are off)
Brewer - I'm not sure how to do a short link to use http://www.fatwallet.com/c/52/
and then go to the last page in the CD thread.