Cherry Valley, New York Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Cherry Valley, New York CD rates include Cornerstone Community Federal Credit UnionCornerstone Community Federal Credit UnionA5.0 ★Texas Ratio: 11.75%Real return: +3.20%APY minus CPI (February 2026) offering 6 Month Youth Share Certificate at 6.00% APY, Italo American Credit UnionItalo American Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +2.45%APY minus CPI (February 2026) offering Regular IRA And Roth IRA 5 years at 5.25% APY, Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 5.54%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, USALLIANCEUSALLIANCEA5.0 ★Texas Ratio: 7.14%Real return: +1.56%APY minus CPI (February 2026) offering 12 Month Certificate at 4.36% APY, and Marcus BankMarcus BankA+5.0 ★Texas Ratio: 4.32%Real return: +1.55%APY minus CPI (February 2026) offering 18 Month CD at 4.35% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Cherry Valley is a smaller community with no bank or credit union branches currently in our database. 792 institutions serving the New York area are available to Cherry Valley residents, with CD rates as high as 6.00% APY from Cornerstone Community Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026
Compare Best CD Rates in Cherry Valley, New York & the Surrounding Area
Cherry Valley 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
4.50%
▲ 2.46% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.46% above avg
Details
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
3 Month Certificates
$0
4.00%
▲ 1.96% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details
AmeriCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
3 Month Share Certificates
$50
4.00%
▲ 1.96% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details
Annual Percentage Yields (APYs) current as of 13th September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
3 Month Certificate
$0
4.00%
▲ 1.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details
Basic*: 0.40% APY; Better**: 0.90% APY; Best***: 4.00% APY; 3 Months****
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
3 Month Certificates
$0
3.92%
▲ 1.88% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.88% above avg
Details
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 1.76% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
3 Month Certificate
$0
3.75%
▲ 1.71% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificates Of Deposit
$0
3.75%
▲ 1.71% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month IRA Certificates
$0
3.75%
▲ 1.71% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
3 Month Certificate of Deposit
$1,000
3.75%
▲ 1.71% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.71% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
(Fixed Rate)
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.66% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month Certificate
$1,000
3.70%
▲ 1.66% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.66% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month IRA Certificate
$1,000
3.70%
▲ 1.66% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.66% above avg
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3-Month CD Special
$500
3.55%
▲ 1.51% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.51% above avg
Details
Special rate
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD - 3 Month
$500
3.50%
▲ 1.46% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.46% above avg
Details
Early Withdrawal Penalties May Apply
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
3 Month CD
$500
3.40%
▲ 1.36% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.36% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-Month Share Certificate
$1,000
3.26%
▲ 1.22% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.22% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
90 Day Certificate of Deposit
$250
3.25%
▲ 1.21% above national avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
90 Day Certificate
$0
3.25%
▲ 1.21% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Month Plus CD
$0
3.25%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
Southern Chautauqua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
IRA Traditional - 3 months
$0
3.23%
▲ 1.19% above national avg
▼
Rate2.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.19% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3-Month Share Certificate
$500
3.15%
▲ 1.11% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Month Plus
$0
3.10%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details
Alternatives Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.93%
Certificate Shares - 3 months
$0
3.04%
▲ 1.00% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.00% above avg
Details
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
3 Month Certificate
$500
3.00%
▲ 0.96% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 0.96% above avg
Details
Early Withdrawal Penalties May Apply
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$2,500
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▲ 0.96% above avg
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
3 Month Certificate
$500
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Available: Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 3 Months
$500
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
In-Branch
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Month Plus Certificate
$0
3.00%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3 Month Share Certificate
$1,000
2.88%
▲ 0.84% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.84% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 Month Certificate
$0
2.78%
▲ 0.74% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.74% above avg
Details
(90 to 179 days)
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Month Certificate
$500
2.78%
▲ 0.74% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.74% above avg
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
3 Month GU Certificates
$100
2.78%
▲ 0.74% above national avg
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.74% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month CD
$1,000
2.75%
▲ 0.71% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3-Month CD
$1,000
2.75%
▲ 0.71% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
IRA Term Share Certificates - 3 Month
$0
2.75%
▲ 0.71% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3 Month Share Certificates
$0
2.60%
▲ 0.56% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.56% above avg
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
3 Month Certificate
$0
2.50%
▲ 0.46% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.46% above avg
Details
Additional Deposits Permitted
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
3-Month CD
$0
2.45%
▲ 0.41% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 0.41% above avg
Details
Metropolitan Bank and Trust Company
Institution Rating:
A+5.0 ★
3 Month Three Month CD
$0
2.32%
▲ 0.28% above national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 0.28% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Month Certificate
$0
2.27%
▲ 0.23% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.23% above avg
Details
Early Withdrawal Penalty: 1 month interest
Southern Chautauqua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
Share Certificates - 3 Months
$250
2.23%
▲ 0.19% above national avg
▼
Rate2.21%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 0.19% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3 Month Jumbo Certificate
$0
2.17%
▲ 0.13% above national avg
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.13% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3 Month Certificate
$0
2.02%
▼ 0.02% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.02% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Penalties may be assessed for early CD & IRA withdrawals.
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
Single - 3 MONTH TERM ACCOUNT
$0
1.75%
▼ 0.29% below national avg
▼
Rate1.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.29% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3 Month Relationship
$1,000
1.74%
▼ 0.30% below national avg
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.30% below avg
Details
Tier 4: $250,000 - $999,999.99
Syracuse Cooperative Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 30.38%
3 Month Certificate
$0
1.70%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.34% below avg
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 30.38%
3 Month Certificate
$0
1.65%
▼ 0.39% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.39% below avg
Details
Cherry Valley 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
6 Month Youth Share Certificate
$0
6.00%
▲ 3.25% above national avg
▼
Rate5.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 3.25% above avg
Details
Balance Range: $50 - $5,000
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$0
4.50%
▲ 1.75% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.75% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
6 MONTH TERM ACCOUNT
$0
4.30%
▲ 1.55% above national avg
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.55% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
6-Month Certificate
$100
4.30%
▲ 1.55% above national avg
▼
Rate4.22%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.55% above avg
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
6 Month Certificate
$500
4.25%
▲ 1.50% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
1
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Share Certificates
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
6-month TSC
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
6 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate.
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
6 Month IRA Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate.
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
6 Month Youth Certificate
$100
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
AmeriCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
6 Month Share Certificates
$50
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Annual Percentage Yields (APYs) current as of 13th September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Basic*: 2.90% APY; Better**: 3.40% APY; Best***: 4.00% APY; 6 Months****
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 months CD
$0
4.00%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 months High-Yield CD
$500
3.95%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
6 Month Certificate
$0
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.17% above avg
Details
Early Withdrawal Penalty: 1 month interest
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6 Month CD
$5,000
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
6 Month Certificate of Deposit
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6 Month Share Certificate
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
6-Month Share Certificate
$1,000
3.87%
▲ 1.12% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.12% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6 Month Pick Your Term
$5,000
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Term: 6 Month Pick Your Term
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificates
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month HSA Certificates
$0
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month IRA Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month Share Certificates
$0
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
HSA Certificates - 6 months
$0
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificate 6 Month
$500
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
6 Month Certificate of Deposit
$500
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 1.05% above avg
Details
Keep funds longer in your account, and earn even more. Longer terms Earn Higher Interests
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$2,500
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.05% above avg
Details
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Share Certificate - 6 Months
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.05% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6 Month Jumbo Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificates
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
High-Yield Share Certificates - 6 months
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Certificate
$1,000
3.76%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.01% above avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
6-Month CD
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details.
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6-Months CD
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
(Fixed Rate)
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6 Months Certificate
$50
3.75%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
6 Month Plus CD
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificates
$0
3.72%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.97% above avg
Details
Spencerport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Certificate
$500
3.71%
▲ 0.96% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.96% above avg
Details
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
6 Month CD Special with Active Account
$1,000
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.95% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
6 Month Certificate
$1,000
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.95% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
6 Month IRA Certificate
$1,000
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.95% above avg
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6 Month Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Share Certificates
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
6-MONTH CD
$500
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Cherry Valley 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
1 Year Youth Share Certificate
$0
5.50%
▲ 2.58% above national avg
▼
Rate5.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.58% above avg
Details
Balance Range: $50 - $5,000
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Certificate
$0
4.50%
▲ 1.58% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA 1 year
$0
4.50%
▲ 1.58% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
12 Month Certificate
$0
4.36%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.44% above avg
Details
Special Rate
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
12-Month Certificate
$100
4.35%
▲ 1.43% above national avg
▼
Rate4.27%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.43% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
Single - 12 MONTH TERM ACCOUNT
$0
4.35%
▲ 1.43% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.43% above avg
Details
Seneca Savings
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
6-12 Month Certificate of Deposit
$25,000
4.25%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.92%▲ 1.33% above avg
Details
Rate is effective 8/25/2026. Must be a new CD funded of at least $25000 to qualify. No new money needed. APY effective for new CDs opened. Rates may change at any time. Fees may reduce earnings. A penalty may be imposed for early withdrawal.
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month Certificate
$0
4.25%
▲ 1.33% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.33% above avg
Details
IAM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
12 Month Certificate
$1,000
4.25%
▲ 1.33% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Compounded: Quarterly
Heritage Financial Credit Union
Share/IRA Certificate Special - 12 months
$2,500
4.25%
▲ 1.33% above national avg
▼
Rate4.18%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Minimum: $,2500 new money** or open qualifying account
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 12 Month Certificate
$500
4.15%
▲ 1.23% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details
(Fixed Rate)
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Featured Certificates Youth 12 Months
$50
4.10%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Youth certificates must be opened in a Youth Account with a minimum deposit of $50 to earn APY. Additional funds may be deposited throughout the term of this CD, with deposits capped at $10,000. Upon maturity, the CD will automatically renew at the current market rate if not moved.
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Youth 12 Months
$0
4.10%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Share Certificate 12-Month-Bonus Rate
$500
4.07%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.15% above avg
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Certificate
$1,000
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
Compounded/Credited: Quarterly/Quarterly
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
1 Year IRA Certificate
$0
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
12 Month IRA Certificate
$0
4.05%
▲ 1.13% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
2
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 month CD
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$2,500
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.92%▲ 1.08% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month Certificates Of Deposit
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month IRA Certificates
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Millennium Club Account - 1 Year Term
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1 Year IRA Certificate
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.08% above avg
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Share Certificates
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
1-year IRA TSC
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
1-year Roth Conversion IRA TSC
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
1-year Roth IRA TSC
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
1-year TSC
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details
ACMG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month ESA IRA Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details
IRA & ESA Certificate Rates
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Lucky Savers (12 Month)
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Months Certificate
$50
4.00%
▲ 1.08% above national avg
▼
Rate4.00%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
12 Month IRA Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Term Share Certificates - 12 Month
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
AmeriCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
12 Month Share Certificates
$50
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Annual Percentage Yields (APYs) current as of 13th September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Heritage Financial Credit Union
Share/IRA Certificate Special - 12 months
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
12 Month IRA
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
12-Month Certificate
$500
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
APY = Annual Percentage Yield. Rate and APY are accurate as of 9/9/2026 11:25 PM. Fees and other conditions may reduce earnings. IRAs subject to maximum annual contribution limits. Dividends on Share Certificates accrue daily and are considered earned as accrued. Dividends are paid the last day of the month except when partial withdrawals are made or early closeout occurs. Withdrawals of dividends, fees and other conditions may reduce the earnings. Penalties may apply for early withdrawal. Broadview Membership is required. Once your account is established, you may make a one time request within the first six (6) months your account is open to exchange your 18 Month Bump Up Share Certificate for another certificate we offer that has a higher rate (excluding another 18 Month Bump Up Share Certificate). The new certificate must have a minimum term of 12 months, and all terms and conditions of the new certificate will apply.
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
12-Month CD
$1,000
3.95%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Rates, terms, products, and services are subject to change without notice. All accounts are subject to approval. Fees may reduce earnings. Deposit products are offered by BankUnited, N.A. and are Member FDIC. FDIC insurance coverage is subject to applicable limits and regulations. Please refer to our Deposit Account Agreement , product disclosures and Consumer Schedule of Fees for additional Terms and Conditions.
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
12 Month Certificate
$0
3.95%
▲ 1.03% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
12 Month Share & IRA Certificates
$0
3.95%
▲ 1.03% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
1-Year Share Certificate
$1,000
3.93%
▲ 1.01% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.01% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
3.90%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
12 Month Certificate
$0
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
Early Withdrawal Penalty: 3 month interest
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
12 Month Pick Your Term
$5,000
3.85%
▲ 0.93% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Term: 12 Month Pick Your Term
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
12 Month CD Special with Active Account
$1,000
3.85%
▲ 0.93% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.92%▲ 0.93% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
12 Month HSA Certificates
$0
3.85%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
12 Month IRA Certificate
$0
3.85%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Cherry Valley 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
4.35%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.53% above avg
Details
10-Day CD Rate Guarantee
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.35%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.53% above avg
Details
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
18 Month CD Special with Active Account
$1,000
4.15%
▲ 1.33% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 1.33% above avg
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Certificate
$0
4.15%
▲ 1.33% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.33% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
18 Month Certificate
$0
4.08%
▲ 1.26% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.26% above avg
Details
Early Withdrawal Penalty: 3 month interest
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Certificate IRA
$1,000
4.07%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
18 Month CD Special with Active Account
$1,000
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 1.23% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Pick Your Term
$5,000
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Term: 18 Month Pick Your Term
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18-month IRA TSC
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18-month Roth IRA TSC
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18-month TSC
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month IRA Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
3 New Deposits Only
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Months Certificate
$50
4.00%
▲ 1.18% above national avg
▼
Rate4.00%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Metro Realtors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
18 Month CD for New Member
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
New Member; $10,000 max
IAM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
18 Month Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Compounded: Quarterly
AmeriCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Certificate Special
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Annual Percentage Yields (APYs) current as of 13th September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.
AmeriCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Share Certificates
$50
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Annual Percentage Yields (APYs) current as of 13th September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18-Month CD - Promo
$2,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.82%▲ 1.08% above avg
Details
Promotional product.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
18 Month Certificate
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
Available: Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 18 Months
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
In-Branch
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Requires a qualifying checking account.
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18-Month M&T Select CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
18 Month CD Special without Active Account
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.98% above avg
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.93% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
18 Month Certificate of Deposit
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Community Resource Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Month Share Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.93% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
18 Month IRA
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month Jumbo Certificate
$0
3.71%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.89% above avg
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month CD
$5,000
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Share Certificate - 18 Months
$500
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term - 18 months
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Chen-Del-O Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Penalty for early withdrawal: 60 days loss of dividends
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
18 Month Share Certificates
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month Certificate
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.74% above avg
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
18 Month Traditional Share Certificate
$1,000
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.74% above avg
Details
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
18 Month CD Special without Active Account
$1,000
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.73% above avg
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
18 Month HSA Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
18 Month IRA Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
18 Month Share Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
HSA Certificates - 18 months
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 18 Month
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.73% above avg
Details
4-Month Penalty for Early Withdrawal
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
18 Month Certificate
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.68% above avg
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.68% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
(Fixed Rate)
Westar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
Share Certificates 18 months
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Cherry Valley 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
2 Year Youth Share Certificate
$0
5.00%
▲ 2.16% above national avg
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 2.16% above avg
Details
Balance Range: $50 - $5,000
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA 2 year
$0
4.75%
▲ 1.91% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.91% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.35%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.51% above avg
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
24 Month Long-Term Certificates
$50,000
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.50% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
24 Month Certificate
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
24 Month Share & IRA Certificates
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
24 Month Pick Your Term
$5,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Term: 24 Month Pick Your Term
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.16% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Months Certificate
$50
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2 Year IRA Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Neighborhood Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-month certificate - 24 months
$0
3.97%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.13% above avg
Details
APY = Annual Percentage Yield. Rates subject to change. Membership eligibility required.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
2-Year Share Certificate
$1,000
3.93%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.09% above avg
Details
Penalty for early withdrawal: 6 Months Dividends
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Available: Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 24 Months
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
In-Branch
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2 Year Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Credit Quarterly
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Share Certificates - 2 Year
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Credit Quarterly
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 1.01% above avg
Details
Rate3.77%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Hudson Valley Credit Union
Business 24-Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.77%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
NEXT STEP
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
24 Month Certificate Accounts
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
NEXT STEP
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
FEATURED SHARE CERTIFICATE 24-MONTH
$0
3.82%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Additional 10 basis points (.10%) for deposits of $50,000 or more
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
18 and 24 Months
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
ACMG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month ESA IRA Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.96% above avg
Details
IRA & ESA Certificate Rates
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Jumbo CDs or More (Non-IRA Only) - 3-1/2 Year
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
$25,000
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Jumbo CDs or More (Non-IRA Only) - 4-1/2 Year
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
$25,000
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2 Year IRA Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
High-Yield Share Certificates - 24 months
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account.
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
2 Year Certificate of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1 1/2 Years Certificate of Deposit
$250
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Share Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
2-year IRA TSC
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.91% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
2-year Roth IRA TSC
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.91% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
2-year TSC
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.91% above avg
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
24 month IRA certificate jumbo
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Jumbo Share Certificate = $100,000 or more
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
24 Month Certificate ($100)
$100
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
APY assumes principal and dividends remain on deposit for the term of the certificate. Substantial fees and penalties will be imposed for early withdrawal which could reduce earning on the account. Dividends are compounded daily and credited monthly. APY is only available at listed terms, is offered at MHV's discretion and may be changed or discontinued at any time. 13 month product will automatically renew to a 12 month term and 9 and 24 month products will automatically renew, at the then current fixed rates, respectively. $500 minimum opening deposit. Rates accurate as of 10/29/2025. Promotion limited to MHV members in good standing. Membership extends to anyone who lives, works, worships, volunteers or attends school in Orange, Westchester, Sullivan, Putnam, Rockland, Ulster and Dutchess counties. Terms and conditions apply, inquire for details. Federally Insured by NCUA.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate - 24 Month
$100
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
24-Month Share Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month IRA Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Term Share Certificates - 24 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
IAM Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
24 Month Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Compounded: Quarterly
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24 Month Plus CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Jumbo Certificate
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.87% above avg
Details
Cherry Valley 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.35%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.58% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Months Certificate
$50
4.25%
▲ 1.48% above national avg
▼
Rate4.25%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 36 Months
$0
4.11%
▲ 1.34% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 1.34% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 36 Months
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 1.29% above avg
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
36 Month Certificate
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
36 Month Share & IRA Certificates
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-Year Share Certificate
$1,000
3.98%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.21% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 36 Months
$0
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 1.14% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
36 Month Share Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
36-month IRA Share Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
APY
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
36 Month IRA Certificates
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
IRA Certificates - 36 Months
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 month IRA certificate jumbo
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Jumbo Share Certificate = $100,000 or more
Ed-Med Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Term Share Certificate - 36 month
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36 Month Jumbo Certificate
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.99% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
36 Month Share Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
3 Year Certificate of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Year IRA Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.98% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month IRA Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Term Share Certificates - 36 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Year Certificate
$0
3.72%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.95% above avg
Details
Credit Quarterly
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Share Certificates - 3 Year
$0
3.72%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.95% above avg
Details
Credit Quarterly
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
36 Month Certificates of Deposit
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
3 Year IRA Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
High-Yield Share Certificates - 36 months
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 3 Year
$0
3.67%
▲ 0.90% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.90% above avg
Details
9-Month Penalty for Early Withdrawal
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
36 Month Certificate
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.89% above avg
Details
Early Withdrawal Penalty: 3 month interest
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
36 Month IRA Share Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
36 Month Share Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36 Month Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.84% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 36 Months
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.83% above avg
Details
Community Resource Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.83% above avg
Details
ACMG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month ESA IRA Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.83% above avg
Details
IRA & ESA Certificate Rates
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 month IRA certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36 Month Plus CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Hudson Valley Credit Union
Business 36-Month Certificate
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Share Certificates
$0
3.59%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.82% above avg
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
36 Month Traditional Share Certificate
$5,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
IRA Term Share Accounts - 36 Months
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Year IRA Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
36 Month HSA Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
36 Month IRA Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
36 Month Share Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
HSA Certificates - 36 months
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
36 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 3 Year
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.78% above avg
Details
9-Month Penalty for Early Withdrawal
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
36 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Cherry Valley 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▲ 2.22% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 2.22% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.35%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.57% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Months Certificate
$50
4.25%
▲ 1.47% above national avg
▼
Rate4.25%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 48 Months
$0
4.22%
▲ 1.44% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 1.44% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 48 Months
$0
4.16%
▲ 1.38% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 1.38% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
48 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
48-Month Certificate
$100
4.15%
▲ 1.37% above national avg
▼
Rate4.07%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
48-Month Term/IRA Term - Single - 48 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.37% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
48-Month Term/IRA Term
$0
4.07%
▲ 1.29% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.29% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
4-Year Share Certificate
$1,000
4.03%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.25% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Year Certificate
$0
4.03%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.25% above avg
Details
Credit Quarterly
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Share Certificates - 4 Year
$0
4.03%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.25% above avg
Details
Credit Quarterly
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 48 Months
$0
4.01%
▲ 1.23% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 1.23% above avg
Details
NEXT STEP
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Certificate Accounts
$0
3.92%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.14% above avg
Details
Term: 48 month (with step up option)
NEXT STEP
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
FEATURED SHARE CERTIFICATE 48-MONTH
$0
3.92%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.14% above avg
Details
Step-up option available on 36 - 60-month certificates; Additional 10 basis points (.10%) for deposits of $50,000 or more
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 4 Year
$0
3.80%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.02% above avg
Details
9-Month Penalty for Early Withdrawal
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
48 Month Jumbo Certificate
$0
3.76%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
4 Year Certificate of Deposit
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
48 Month IRA Share Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
48 Month Share Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
48 Month Certificates of Deposit
$0
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month IRA Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Term Share Certificates - 48 Month
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 48 Months
$0
3.70%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 0.92% above avg
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 4 Year
$0
3.67%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.89% above avg
Details
9-Month Penalty for Early Withdrawal
Community Resource Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Certificate
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 0.87% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
48 Month Certificate
$0
3.61%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.83% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
48 Month Certificate
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48 Month Plus CD
$0
3.60%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Hudson Valley Credit Union
Business 48-Month Certificate
$500
3.60%
▲ 0.82% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
SHARE & IRA CERTIFICATE Accounts - 48 Months
$0
3.56%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.78% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 48 Months
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 0.77% above avg
Details
Community Resource Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Share Certificate
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 0.77% above avg
Details
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Jumbo CDs or More (Non-IRA Only) - 1-1/4 Year
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
$25,000
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
48 Month HSA Certificates
$0
3.55%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
48 Month IRA Certificate
$0
3.55%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
48 Month Share Certificates
$0
3.55%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
HSA Certificates - 48 months
$0
3.55%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
48 Month Certificate
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 4 Year
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.77% above avg
Details
9-Month Penalty for Early Withdrawal
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Roth IRA - 4-year
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Traditional IRA - 4-year
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
48 Month Certificate
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Available: Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 48 Months
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
4 Years Certificate of Deposit
$250
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
ACMG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month ESA IRA Certificate
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.72% above avg
Details
IRA & ESA Certificate Rates
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
48-Month Share Certificate
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Term Share Account: and over - 4 years
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Cherry Valley 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA 5 years
$0
5.25%
▲ 2.39% above national avg
▼
Rate5.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 2.39% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.35%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.49% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 60 Months
$0
4.27%
▲ 1.41% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▲ 1.41% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 60 Months
$0
4.22%
▲ 1.36% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▲ 1.36% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
60-Month Term/IRA Term - Single - 60 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.29% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
Single - 60 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
5-Year Share Certificate
$1,000
4.08%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.22% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5 Year Certificate
$0
4.08%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.22% above avg
Details
Credit Quarterly
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Share Certificates - 5 Year
$0
4.08%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.22% above avg
Details
Credit Quarterly
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 60 Months
$0
4.06%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▲ 1.20% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
60 Month Certificate
$0
3.92%
▲ 1.06% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.06% above avg
Details
Early Withdrawal Penalty: 6 month interest
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60 Month Jumbo Certificate
$0
3.87%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.01% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
60 Month IRA Certificates
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
IRA Certificates - 60 Months
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
60 Month Share Certificates
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 5 Year
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.94% above avg
Details
9-Month Penalty for Early Withdrawal
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 60 Months
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▲ 0.89% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
5 Year Certificate of Deposit
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
60 Month Certificates of Deposit
$0
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Certificate
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month IRA Certificate
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Term Share Certificates - 60 Month
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60 Month Certificate
$0
3.71%
▲ 0.85% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.85% above avg
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 5 Year
$0
3.67%
▲ 0.81% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.81% above avg
Details
9-Month Penalty for Early Withdrawal
Community Resource Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Month Certificate
$0
3.65%
▲ 0.79% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 0.79% above avg
Details
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.79% above avg
Details
Hudson Valley Credit Union
Business 60-Month Certificate
$500
3.65%
▲ 0.79% above national avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.79% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
IRA CD 60 Months
$0
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▲ 0.74% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60 Month CD
$0
3.60%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
IRA Term Share Accounts - 60 Months
$0
3.56%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.70% above avg
Details
Community Resource Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Month Share Certificate
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 0.69% above avg
Details
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
5 Year IRA Certificate
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
5 Year IRA Certificate
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
60 Month HSA Certificates
$0
3.55%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
60 Month IRA Certificate
$0
3.55%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
60 Month Share Certificates
$0
3.55%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
HSA Certificates - 60 months
$0
3.55%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
60 Month Certificate
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 5 Year
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.69% above avg
Details
9-Month Penalty for Early Withdrawal
Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$2,000
3.51%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.65% above avg
Details
Interest Compounded Monthly
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Roth IRA - 5-year
$0
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Traditional IRA - 5-year
$0
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
60 Month Certificate
$500
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Available: Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 60 Months
$500
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
5 Years Certificate of Deposit
$250
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
60 Month IRA Share Certificate
$0
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
60 Month Share Certificate
$0
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
60-Month Share Certificate
$500
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Term Share Account: and over - 5 years
$0
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60 Month Certificate
$0
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Cherry Valley, NY CD Rate Trends
Compare local Cherry Valley, NY CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NY Avg
2.921%
▲ 0.081 vs 7 days ago
New York 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD NY Avg
2.746%
▲ 0.076 vs 7 days ago
New York 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
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NY CD Rate Forecast, Next 12 Months
Where are New York CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
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What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
Sample CD Ladder for Cherry Valley, New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/yr | |
Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,486
CD Rates
Tracked in Cherry Valley, New York
Tracked in Cherry Valley, New York
46 Banks
104 Credit Unions
About Our Cherry Valley, New York CD Rate Database
MonitorBankRates tracks 1,486 CD rates from 46 banks and 104 credit unions with locations in Cherry Valley, New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Cornerstone Community Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Cherry Valley, New York.
How to Find the Best CD Rates in Cherry Valley, New York
What to compare when shopping for a CD in Cherry Valley, New York
To find the best APYs in Cherry Valley, New York, start with credit unions and online-only banks: Cherry Valley, New York has 104 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Cherry Valley, New York
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Cherry Valley, New York: 150 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Cherry Valley, New York savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Cherry Valley, New York money market rates
New York Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$149/yr
At NY 12-mo avg 2.921% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 2.921%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $149 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Cherry Valley, New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Cherry Valley, New York
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Cherry Valley, New York typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Cherry Valley, New York as everywhere in the U.S.
Choosing a CD Term in Cherry Valley, New York
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Cherry Valley, New York savers easier access to their funds. For example, Cornerstone Community Federal Credit Union is offering its 6 Month Youth Share Certificate at 6.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Italo American Credit Union is offering its Regular IRA And Roth IRA 5 years at 5.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Cherry Valley, New York Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Cherry Valley, New York saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Cherry Valley, New York
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Cherry Valley, New York CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Cherry Valley, New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a Cherry Valley, New York depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Cherry Valley, New York
Are CD rates in Cherry Valley, New York FDIC insured?
Yes, most established banks in Cherry Valley, New York are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Cherry Valley, New York?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Cherry Valley, New York.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Cherry Valley, New York may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Cherry Valley, New York?
Here are recent top rates found for this area:
- Cornerstone Community Federal Credit Union: 6.00% APY (6 Month Youth Share Certificate)
- Italo American Credit Union: 5.25% APY (Regular IRA And Roth IRA 5 years)
- Habib American HAB Bank : 4.50% APY (12 Month Certificate)
- USALLIANCE: 4.36% APY (12 Month Certificate)
- Marcus Bank: 4.35% APY (18 Month CD)
- Quorum Federal Credit Union: 4.35% APY (12-Month Certificate)
- Generations United Federal Credit Union: 4.34% APY (24 Month Long-Term Certificates)
- Citizens & Northern Bank C&N: 4.27% APY (IRA CD 60 Months)
- Crescent Bank: 4.25% APY (24-month CD)
- Seneca Savings: 4.25% APY (6-12 Month Certificate of Deposit)
Rates reflect recent verified offers available in Cherry Valley, New York. Last Updated: September 16, 2026
Cherry Valley, New York CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Cherry Valley, New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Cherry Valley, New York
Cherry Valley, New York CD Calculator
At today’s NY top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.
Cherry Valley, New York CD LadderNY CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Cherry Valley, New York CD at 6.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 2.921% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cherry Valley, New York CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Cherry Valley, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Cherry Valley, New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 16, 2026
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