CD Rates Oakland Gardens, New York (NY) for April 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 Oakland Gardens, New York CD rates include Italo American Credit UnionItalo American Credit UnionA+5.0 ★Texas Ratio: 2.78%Real return: +2.45%APY minus CPI (February 2026) offering Regular IRA And Roth IRA 5 years at 5.25% APY, Municipal Credit UnionMunicipal Credit UnionA5.0 ★Texas Ratio: 8.05%Real return: +1.53%APY minus CPI (February 2026) offering 12 Month Share Certificate K New Money at 4.33% APY, CFCU Community Credit UnionCFCU Community Credit UnionA+5.0 ★Texas Ratio: 4.92%Real return: +1.45%APY minus CPI (February 2026) offering 18-month IRA Certificate at 4.25% APY, UGEFCUUGEFCUA+5.0 ★Real return: +1.35%APY minus CPI (February 2026) offering 6 Months Share Certificates at 4.15% APY, and Maspeth Federal S&LMaspeth Federal S&LA5.0 ★Texas Ratio: 6.07%Real return: +1.35%APY minus CPI (February 2026) offering 6 Month CD and IRA at 4.15% APY. CD rates as of April 25, 2026 according to verified data from MonitorBankRates.
We compared 1,186 CD rates from 168 banks and credit unions available to Oakland Gardens, New York residents to help you find the best bank CD rates and credit union CD rates across all terms.
Oakland Gardens is a smaller community with no bank or credit union branches currently in our database. 671 institutions serving the New York area are available to Oakland Gardens residents, with CD rates as high as 5.25% APY from Italo American Credit Union. Rates are continually updated — 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: April 25, 2026
Compare Best CD Rates in Oakland Gardens, New York & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 3 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Limited Time Offer
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
APY (Annual Percentage Yield) based on balances of $2,000 or more
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Earn 3.55% APY on balances of $500 or more; $500 minimum opening balance.
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3-Month CD Special*
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
3 month Share Certificates & IRAs
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 90 Day
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3-month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Early Withdrawal Penalty May Apply
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 3-month
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 25, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
IRA Term Share Certificates 3 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$100,000 and above
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
3 month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
3-Month Term/IRA Term
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
3 Month Member Certificates
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 3 Months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
3 Month Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
3 Month Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 25, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 3 months
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3-Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
3 Months Share Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$1,000.00 minimum balance to earn dividends
Rockland Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
3 months Term IRA & CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3-Month Certificate Account
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Months Share Certificates and IRA CDs
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
3 Month Certificate
$100,000
0.20%
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate of Deposit (CD) 3 Months
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Share and IRA Certificates 3 Months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 25, 2026
Details
Early withdrawal penalties may apply
CANANDAIGUA
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Term Share 3 Months, Full Service Members
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Limited Time
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
6 Months Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$1,000.00 minimum balance to earn dividends
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Cds 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
6 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Months Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 180 Day
$250
3.95%
▼
Rate3.87%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 6 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Limited Time Offer; NEW MONEY REQUIRED; IRA ELIGIBLE
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Certificates of Deposits - 6 months
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
OPEN NOW
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6-month Term Share Certificate & IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6 Month Jumbo CD with Active Account
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
6 months Certificates
$250
3.65%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificate Accounts
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD/IRA
$10,000
3.60%
▼
Rate3.57%
Min Deposit$10,000
Min Balance—
UpdatedApr 25, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit 6 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Health Savings Certificate
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Months Share Certificates and IRA CDs
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6-month Share Certificate and IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
NEW CD Special: 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6-Month CD Special*
$0
3.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Earn 3.50% APY on balances of $500 or more.
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
6 months Certificate of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
6 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
6 Months Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 6 Months
$0
3.43%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
6 Month Term Share (Certificate)
$1,000
3.43%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Gouverneur S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Certificate of Deposit
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
As High As
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 6 Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 89 / 6 Month - Int. Monthly
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
6 Month Business Term Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Spencerport Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
6 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Savings & IRA 6 Months
$250
3.29%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
6 Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Credit Monthly
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Investment Share and IRA Certificates 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
6-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
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: 2.78%
Regular IRA And Roth IRA 1 year
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
12 Month Share Certificate K New Money
$5,000
4.33%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 25, 2026
Details
$5
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
12 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 12 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Months Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 1 Year
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12-month share certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
12 Month CD and IRA
$0
3.90%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
12 Month Term Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Limited time offer. Only available in our branches.
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
12 Month Certificate Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 1 Year
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
12 months Certificate of Deposit
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
$100,000 min.; Additional terms available.; Offer ends April 20, 2026.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit 12 months
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificate of Deposit 12 months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Limited time offer; Minimum opening deposit $1,000.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 83 / 12 Month - Int. Monthly
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12-Month Flex Certificate Accounts & IRA Certificate Accounts
$750
3.64%
▼
Rate3.57%
Min Deposit$750
Min Balance—
UpdatedApr 25, 2026
Details
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposit 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Reliant Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12-Month Investor and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1-year Share Certificate and IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Compounded Quarterly
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
12 Months Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 Months IRA Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Stewarts Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Plus flexible 6- and 24-month options.
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
12 months Certificates
$250
3.50%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
1 year Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Tri State Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1 Year Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
12 Month Jumbo Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
12 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 12 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
12 Months Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$1,000.00 minimum balance to earn dividends
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Health Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1-year IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 12 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Lucky Savers (12 Month) Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 12 Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
18-month IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Now through April 15, earn up to 4.25% APY with our 18-month IRA Certificate.
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD for New Member
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$10,000 max
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
18-Month Share Certificate Special
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-month IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Health Savings Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
18 Month Variable Rate IRA
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Limited Time Offer; NEW MONEY REQUIRED; IRA ELIGIBLE
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
18 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Offer ends April 20, 2026.
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 18 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
18 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month CD and IRA
$0
3.35%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 18-month
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedApr 25, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
18-Month IRA Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Earn up to 3.30% APY*
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
18 Month Term Share (Certificate)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
18 Months Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$1,000.00 minimum balance to earn dividends
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
18 months Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
18 Month Jumbo Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Months Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Business Term Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Month Bump Up Share Certificate
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SPECIAL Share Certificate Rates
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 month Share Certificates
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Early Withdrawal Penalty May Apply
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA Share Certificate Accounts 18 Month
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
4-Month Penalty for Early Withdrawal
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
18-MONTH TERM ACCOUNT
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Minimum balance to open and earn 2.85% APY (2.81% dividend rate): $100,000
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
18-month Share Certificate
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
18 Month Member Certificates
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
18 Months Share Certificates
$0
2.14%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
18 Months Share Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA Certificate
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Share and IRA Certificates 18 Months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 18 Month
$100,000
1.85%
▼
Rate1.83%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Months Share Certificate
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month Certificates
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
18 Month Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate1.47%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
18 Month Certificate
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
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: 2.78%
Regular IRA And Roth IRA 2 year
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 1 1/2 Years
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
24 months Certificate of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
24 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2-year Term Share Certificate & IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 2 Years
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
24 Month Term Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit 24 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
2 Year IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
24-month IRA Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA Sapling (24 months)
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 24 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
2 Years Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Health Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24-Month Certificate Account
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposit 2 year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
24 Month SPECIAL Share Certificate
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 Month Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 24 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 24 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
24 Month CD and IRA
$0
3.40%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24 Months Share Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2-Year Term CD
$100,000
3.37%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Compounded Quarterly
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
24 Month Jumbo Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Stewarts Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24-Month Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Months Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 24 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24 Month Term Share (Certificate)
$2,500
3.19%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
24-MONTH TERM ACCOUNT
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Minimum balance to open and earn 3.10% APY (3.06% dividend rate): $100,000
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 month Share Certificates
$1,000
3.08%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Early Withdrawal Penalty May Apply
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
24 Months Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Ed-Med Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24 MONTH SHARE CERTIFICATE
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificate of Deposit 24 months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
36 months Certificate of Deposit
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
36-month IRA Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Ed-Med Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
36 MONTH SHARE CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 3 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
36 Month Term Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
IRA Certificates 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36-Month Certificate Account
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
3 Year IRA Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-year IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
36 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Months Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
3 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 36 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
36 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
36 Month CD and IRA
$0
3.45%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
36 Months Share Certificate
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 86 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3-Year Term
$100,000
3.42%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
36 Mo IRA Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Months IRA Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
36-Month Certificate of Deposit
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Earn 3.20% APY on balances of $500 or more; $500 minimum opening balance.
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$100,000 and above
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
36-MONTH TERM ACCOUNT
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Minimum balance to open and earn 3.10% APY (3.06% dividend rate): $100,000
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36 Month Term Share (Certificate)
$2,500
3.03%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 25, 2026
Details
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificate of Deposit 36 months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 36 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Compounded Quarterly
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Health Savings Certificate
$500
3.00%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
36 Month Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
36 Months Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
36 Month Business Term Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
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: 2.78%
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
48 months Certificate of Deposit
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 4 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
48 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
4 Year IRA Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48-Month Certificate Account
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 48 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
48 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Months Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
48 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
48-MONTH TERM ACCOUNT
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Minimum balance to open and earn 3.35% APY (3.30% dividend rate): $100,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Early Withdrawal Penalty May Apply
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$100,000 and above
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Earn 3.05% APY on balances of $500 or more.
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 48 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
48 Months (Four Years) Share Certificates
$0
2.87%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
48 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Savings & IRA 48 Months
$250
2.78%
▼
Rate2.75%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA Share Certificate Accounts 4 Year
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
9-Month Penalty for Early Withdrawal
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
48 Month Certificates and IRA
$500
2.69%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
48 Month IRA Certificate
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Bonus Certificate 48 months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
48 Month Share Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
48 Months Share Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$1,000.00 minimum balance to earn dividends
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
48 Month Jumbo Share Certificates
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
48 Months Certificate
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
48-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 4 Year
$100,000
2.10%
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
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: 2.78%
Regular IRA And Roth IRA 5 years
$0
5.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
60 months Certificate of Deposit
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 5 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
60 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
60 Months (Five Years) Share Certificates
$0
3.71%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5 Year IRA Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60-Month Certificate Account
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
IRA Certificates 60 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60 Months Share Certificate
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
60-MONTH TERM ACCOUNT
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Minimum balance to open and earn 3.60% APY (3.54% dividend rate):$100,000
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 60 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
60 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
5 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
60 Month CD and IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 25, 2026
Details
Early Withdrawal Penalty May Apply
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 25, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$100,000 and above
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
60 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
60 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 60 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
60 Month Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Bonus Certificate 60 months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
60 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 60 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
60 Month Share Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Savings & IRA 60 Months
$250
2.78%
▼
Rate2.75%
Min Deposit$250
Min Balance—
UpdatedApr 25, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA Share Certificate Accounts 5 Year
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
9-Month Penalty for Early Withdrawal
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
60 Months Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
60 Month Certificates and IRA
$500
2.72%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedApr 25, 2026
Details
Rockland Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
60 months Term IRA & CD
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Oakland Gardens, NY CD Rate Trends
Compare local Oakland Gardens, 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
2.515%
▲ 0.185 vs 7 days ago
New York 12-month CD rates rose 0.185 points over the past 7 days to 2.515% APY.
6-Month CD — NY Avg
2.187%
▼ 0.082 vs 7 days ago
New York 6-month CD rates fell 0.082 points over the past 7 days to 2.187% APY.
As of Apr 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NY CD Rate Forecast — Next 12 Months
Where are New York CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.515%
6-Month Forecast
2.515%
Range: 2.32% – 2.67%
12-Month Forecast
2.265%
Range: 2.07% – 2.42%
Powered by
MonitorBankRates
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 | 1.704% | $85.21 | $170.42 | $426.05 | $852.10 |
| 6-Month CD | 2.187% | $109.35 | $218.69 | $546.73 | $1,093.45 |
| 12-Month CD | 2.515% | $125.74 | $251.47 | $628.68 | $1,257.35 |
| 18-Month CD | 2.410% | $120.50 | $241.00 | $602.50 | $1,205.00 |
| 24-Month CD | 2.345% | $117.24 | $234.48 | $586.20 | $1,172.40 |
| 36-Month CD | 2.202% | $110.11 | $220.21 | $550.53 | $1,101.05 |
| 48-Month CD | 2.090% | $104.51 | $209.01 | $522.53 | $1,045.05 |
| 60-Month CD | 2.283% | $114.13 | $228.25 | $570.63 | $1,141.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 25, 2026. | |||||
Sample CD Ladder for Oakland Gardens, 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 | 1.704% | $85.21 |
| 2 | 6-Month CD | $5,000 | 2.187% | $109.35 |
| 3 | 12-Month CD | $5,000 | 2.515% | $125.74 |
| 4 | 24-Month CD | $5,000 | 2.345% | $117.24 |
| 5 | 36-Month CD | $5,000 | 2.202% | $110.11 |
| Total ($25,000 invested) | $25,000 | 2.191% blended | $547.65/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.
1,186
CD Rates
Tracked in Oakland Gardens, New York
Tracked in Oakland Gardens, New York
44 Banks
97 Credit Unions
About Our Oakland Gardens, New York CD Rate Database
MonitorBankRates tracks 1,186 CD rates from 44 banks and 97 credit unions with locations in Oakland Gardens, 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: Italo American Credit Union offers a CD at 5.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Oakland Gardens, New York.
How to Find the Best CD Rates in Oakland Gardens, New York
What to compare when shopping for a CD in Oakland Gardens, New York
To find the best APYs in Oakland Gardens, New York, start with credit unions and online-only banks — Oakland Gardens, New York has 97 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 Oakland Gardens, 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 Oakland Gardens, New York — 141 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Oakland Gardens, New York savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Oakland Gardens, 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
$128/yr
At NY 12-mo avg 2.515% 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 2.515%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $128 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 Oakland Gardens, 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 |
Frequently Asked Questions about CD Rates in Oakland Gardens, New York
Are CD rates in Oakland Gardens, New York FDIC insured?
Yes, most established banks in Oakland Gardens, 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 Oakland Gardens, 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 Oakland Gardens, 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 Oakland Gardens, 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 Oakland Gardens, New York?
Here are recent top rates found for this area:
- Italo American Credit Union: 5.25% APY (Regular IRA And Roth IRA 5 years)
- Municipal Credit Union: 4.33% APY (12 Month Share Certificate K New Money)
- CFCU Community Credit Union: 4.25% APY (18-month IRA Certificate)
- UGEFCU: 4.15% APY (6 Months Share Certificates)
- Maspeth Federal S&L: 4.15% APY (6 Month CD and IRA)
- Newtek Bank: 4.10% APY (6 Month CD)
- SJP Federal Credit Union: 4.05% APY (60 months Certificate of Deposit)
- First Source Federal Credit Union: 4.05% APY (6 Months Share Certificate)
- AmeriCU Credit Union: 4.00% APY (6 Month Certificate)
- Spring Bank Bronx, NY : 4.00% APY (Certificates of Deposit 1 1/2 Years)
Rates reflect recent verified offers available in Oakland Gardens, New York. Last Updated: April 25, 2026
CD Calculators for Oakland Gardens, New York
Oakland Gardens, New York CD Calculator
At today’s NY top rate of 5.25% APY, a $10,000 deposit earns $525 in the first year. Enter your amount to see your exact return.
Oakland Gardens, New York CD LadderNY CD rates currently range from 1.704% (3-month) to 2.202% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Oakland Gardens, New York CD at 5.25% 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 2.515% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Oakland Gardens, 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 pulling data straight 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 Oakland Gardens, 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: April 25, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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