I remember back in the 1980s my dad was getting 15% interest on his CD.?

Jimmy Carter screwed up the economy so badly, that we had ridiculously high interest rates. When those CDs were paying 15%, mortgages were even higher. It took most of the 80s to get back to normal. But the rates kept dropping through the 90s and 00s. The Federal Reserve has kept interest rates artifcially low for about 20 years now.

Banks no longer care about their customers. I've been with the same bank for over 50 years. The problem is the name has been changed 7 times. I do not know how credit union work but you have nothing to lose but call and find out.

Inflation dropped. Interest rates, over the medium term, track inflation.