Best Credit Union 2 Year CD Rates in New York, NY

You are viewing rates from credit unions across New York

Below are two year Certificates of Deposit (CD) rates from credit unions located in New York. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on credit union and bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

NY - August 1, 2025

2 Year CD National Average : 0.66% ^?

Credit Unions	APY	MIN	MILES ^?
US Alliance Usalliance Branch Restrictions	4.20%	$500	-	Learn More Add Review
Rate History: 4.50% → 5.00% → 4.00% → 4.15% → 4.20%
Hudson Valley Restrictions	4.20%	$500	-	Learn More Add Review
Rate History: 5.00% → 5.00% → 3.75% → 4.20%
The Summit The Summit Fcu Branch Restrictions	4.10% 3.85%	$75,000 $500	-	Learn More
Rate History: 4.25% → 4.07% → 3.92% → 4.00% → 4.10%
ashes201@verizon.net \| Apr 12, 2019 Your website states 11 months IRA CD at 3% but when I called in morning, I was told that it expired on 4/10. please update your website. Read More Reviews (1)
G.p.o. G.p.o. Branch Restrictions	4.10%	$1,000	-	Learn More Add Review
Rate History: 3.90% → 4.25% → 4.10%
Access Access Branch Restrictions	4.10%	$1,000	-	Learn More Add Review
Rate History: 3.15% → 3.50% → 3.15% → 4.25% → 4.10%
Mohawk Valley Mohawk Valley Branch Restrictions	4.07%	$1,000	-	Learn More Add Review
Rate History: 2.80% → 4.07%
Quorum Quorum Fcu Headquarters Branch Restrictions	4.00%	$1,000	-	Learn More
Rate History: 4.50% → 4.25% → 3.00% → 4.25% → 4.00%
Sharon \| Sep 20, 2023 Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More Reviews (2)
Xcel Xcel Branch Restrictions	3.95%	$500	-	Learn More Add Review
Rate History: 5.25% → 3.56% → 3.30% → 4.20% → 3.95%
American Airlines American Airlines Branch Restrictions	3.92%	$10,000	-	Learn More
Rate History: 2.99% → 3.92%
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
Empower Palatine Bridge Branch Restrictions	3.85%	$500	-	Learn More Add Review
Rate History: 4.60% → 4.60% → 3.85%
Suma Suma Yonkers Branch Restrictions	3.77%	$1,000	-	Learn More Add Review
Rate History: 4.24% → 3.82% → 3.77%
Inner Lakes Inner Lakes Branch Restrictions	3.76%	$1,000	-	Learn More Add Review
Rate History: 4.65% → 4.33% → 4.06% → 3.82% → 3.76%
Pittsford Pittsford Branch Restrictions	3.75%	$50	-	Learn More Add Review
Rate History: 3.85% → 3.35% → 3.15% → 3.25% → 3.75%
Corning Corning Branch Restrictions	3.70% 3.50%	$100,000 $1,000	-	Learn More Add Review
Rate History: 4.70% → 3.90% → 3.70%
Navy Federal Credit Union Navy Federal Credit Branch Restrictions	3.66%	$100,000	-	Learn More
Rate History: 4.15% → 4.05% → 3.75% → 3.66%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Visions Visions Branch Restrictions	3.60%	$500	-	Learn More Add Review
Rate History: 3.70% → 3.60%
Navy Federal Credit Union Navy Federal Credit Branch Restrictions	3.60%	$1,000	-	Learn More
Rate History: 4.10% → 4.00% → 3.70% → 3.60%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Municipal Municipal Branch Restrictions	3.56%	$500	-	Learn More Add Review
Rate History: 3.56% → 4.85% → 3.50% → 4.85% → 3.56%
Polish & Slavic Polish & Slavic Branch Restrictions	3.50% 3.25% 2.75%	$90,000 $50,000 $500	-	Learn More Add Review
Rate History: 4.00% → 3.50%
Ridgedale Novartis Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 2.76% → 3.76% → 3.50%
First Source First Source Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.00% → 4.00% → 3.50%
Suffolk Suffolk Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 4.10% → 3.50%
Broadview Clifton Park Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.25% → 4.10% → 3.50%
Mid-hudson Valley Hurley Avenue Branch Restrictions	3.25%	$500	-	Learn More
Phillips \| May 25, 2022 Your CD are lower than HUDSON Valley Credit Union .At one time you where good. 5-25-22 Read More Reviews (1)
Pentagon Pentagon Branch Restrictions	3.20%	$1,000	-	Learn More
Rate History: 4.20% → 4.00% → 3.60% → 3.55% → 3.20%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
Ukrainian National Ukrainian National Branch Restrictions	3.05%	$1,000	-	Learn More Add Review
Rate History: 3.39% → 3.24% → 3.19% → 3.24% → 3.05%
Baxter Baxter Branch Restrictions	3.00%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.55% → 3.50% → 3.00%
Capital Communications Capital Communicatio Branch Restrictions	3.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.50% → 3.00%
Teachers Teachers Branch Restrictions	3.00%	$1,000	-	Learn More Add Review
Rate History: 1.65% → 3.75% → 3.00%
American Airlines American Airlines Branch Restrictions	2.89%	$1,000	-	Learn More
Rate History: 2.99% → 2.89%
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
United Nations United Nations Branch Restrictions	2.65%	$500	-	Learn More Add Review
Rate History: 3.50% → 2.85% → 2.75% → 2.65%
Financial Resources Financial Resources Fcu - New York Branch Restrictions	2.53%	$500	-	Learn More Add Review
Americu Americu Branch Restrictions	2.43%	$1,000	-	Learn More Add Review
Bethpage Liu Branch Restrictions	2.25%	$50	-	Learn More
Rate History: 2.50% → 2.25% → 2.00% → 1.75% → 2.25%
MY OPINION \| Sep 4, 2019 BETHPAGE CREDIT UNION IS THE BEST.. Read More Reviews (1)
Jovia Financial Huntington Station Branch Restrictions	2.00%	$100	-	Learn More
Rate History: 3.00% → 2.00%
H \| Apr 25, 2021 It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present ... Read More Reviews (2)
Saint Lawrence Saint Lawrence Branch Restrictions	1.51% 1.41% 1.21% 1.11%	$200,000 $75,999 $25,000 $0	-	Learn More Add Review
Rate History: 1.21% → 1.41% → 1.51%
Affinity Restrictions	1.25%	$500	-	Learn More Add Review
Rate History: 3.00% → 1.25% → 2.75% → 1.25%
Servu Servu Branch Restrictions	1.21%	$100,000	-	Learn More Add Review
Greater Chautauqua Greater Chautauqua Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Ed-med Main Office Branch	1.00%	$10,000	-	Learn More Add Review
Peru Peru Central School Branch	1.00%	$10,000	-	Learn More Add Review
Western New York Western New York Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Servu Servu Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Hudson River Financial Hudson River Teacher Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Western New York Western New York Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
First Heritage First Heritage Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Cfcu Community Cfcu Community Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Ukrainian Ukrainian Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
First Heritage First Heritage Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Together Anheuser-busch Emplo Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
People's Alliance People's Alliance Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Buffalo Service Buffalo Service Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Island Island Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Ontario Shores Ontario Shores Branch	0.80%	$100,000	-	Learn More Add Review
Geico Geico Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Ghs Court St Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Teg Teg Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Sperry Associates Sperry Associates Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Justice Justice Branch Restrictions	0.79%	$100,000	-	Learn More Add Review
Reliant Community Reliant Community Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Centra Centra Branch Restrictions	0.75%	$100,000	-	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
Good Neighbors Lancaster - Depew Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Cheektowaga Community Cheektowaga Communit Branch	0.70%	$10,000	-	Learn More Add Review
Centra Centra Branch Restrictions	0.70%	$10,000	-	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
Heritage Financial	0.70%	$100,000	-	Learn More Add Review
Justice Justice Branch Restrictions	0.68%	$10,000	-	Learn More Add Review
Great Erie O P C S Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Clarence Community & Schools Clarence Community & Branch	0.65%	$10,000	-	Learn More Add Review
Family First Of Ny East Rochester / Perinton Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Sidney Sidney Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Affinity One Affinity One Branch Restrictions	0.63%	$10,000	-	Learn More Add Review
Olean Area Olean Area Branch Restrictions	0.60%	$500	-	Learn More Add Review
Community Resource Community Resource Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Meridia Community Eden Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Advantage Rit Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Finger Lakes Willard Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Reliant Community Reliant Community Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
A C M G A C M G Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Sidney Sidney Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Heritage Financial	0.60%	$10,000	-	Learn More Add Review
Nassau Financial Nassau Financial Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Financial Trust West Seneca Branch Restrictions	0.55%	$1,000	-	Learn More Add Review
Greater Metro Greater Metro Branch Restrictions	0.55%	$500	-	Learn More Add Review
Qside Qside Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Advantage Financial Dva Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Twin Rivers Twin Rivers Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Sea Comm Branch - Malone Restrictions	0.50%	$1,000	-	Learn More Add Review
Adirondack Regional Adirondack Regional Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Town Of Cheektowaga Town Of Cheektowaga Branch	0.50%	$10,000	-	Learn More Add Review
Family First Of Ny East Rochester / Perinton Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
General Electric Employees General Electric Emp Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Olean Teachers' And Postal Olean Teachers' And Branch	0.50%	$10,000	-	Learn More Add Review
C C S E C C S E Branch	0.45%	$10,000	-	Learn More Add Review
Dannemora Dannemora Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Great Meadow Great Meadow Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Hudson River Community Hudson River Communi Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Western Division Western Division Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Empire One Buffalo Postal Commu Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Cfcu Community Cfcu Community Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
First New York Wall St Location Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Advantage Financial Dva Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Greenstate Restrictions	0.40%	$500	-	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Trailnorth Ticonderoga Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Riverside Riverside Branch Restrictions	0.40%	$250	-	Learn More Add Review
Sunmark	0.40%	$10,000	-	Learn More Add Review
Northern	0.35%	$100,000	-	Learn More Add Review
Ufirst Ufirst Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Syracuse Cooperative Syracuse Cooperative Branch	0.35%	$100,000	-	Learn More Add Review
Qside Qside Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Cornerstone Community Cornerstone Communit Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Ontario Shores Ontario Shores Branch	0.30%	$10,000	-	Learn More Add Review
Syracuse Cooperative Syracuse Cooperative Branch	0.30%	$10,000	-	Learn More Add Review
Buffalo Metropolitan Buffalo Metropolitan Branch Restrictions	0.25%	$500	-	Learn More Add Review
Alternatives Alternatives Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Crossroads Community Crossroads Community Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Southern Chautauqua Southern Chautauqua Branch Restrictions	0.22%	$10,000	-	Learn More Add Review
Palisades Palisades Branch Restrictions	0.20% 0.10%	$100,000 $10,000	-	Learn More Add Review
Northern	0.15%	$10,000	-	Learn More Add Review
Esl Esl Branch Restrictions	0.15% 0.12%	$100,000 $500	-	Learn More Add Review
Auburn Community Auburn Community Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Niagara's Choice Niagara's Choice Branch Restrictions	0.10%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
G.P.O. G.p.o. G.p.o. Branch	4311 Middle Settlement Rd	New Hartford	NY
ACCESS Access Access Branch	6 Franklin Ave	Clinton	NY
MOHAWK VALLEY Mohawk Valley Mohawk Valley Branch	207 Genesee St	Utica	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
XCEL Xcel Xcel Branch	26 Federal Plaza, Room 1702	New York	NY
AMERICAN AIRLINES American Airlines American Airlines Branch	1 JFK Airport	Jamaica	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
SUMA Suma Yonkers Suma Yonkers Branch	125 Corporate Blvd	Yonkers	NY
INNER LAKES Inner Lakes Inner Lakes Branch	19-21 East Main Street	Westfield	NY
PITTSFORD Pittsford Pittsford Branch	1321 PITTSFORD MENDON ROAD	MENDON	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
POLISH & SLAVIC Polish & Slavic Polish & Slavic Branch	100 McGuinness Blvd	Brooklyn	NY
RIDGEDALE Novartis Novartis Branch	25 Old Mill Road	Suffern	NY
FIRST SOURCE First Source First Source Branch	4451 Commercial Drive	New Hartford	NY
SUFFOLK Suffolk Suffolk Branch	3681 HORSEBLOCK ROAD	MEDFORD	NY
BROADVIEW Clifton Park Clifton Park Branch	16 Park Ave	Clifton Park	NY
POLISH & SLAVIC Polish & Slavic Polish & Slavic Branch	100 McGuinness Blvd	Brooklyn	NY
MID-HUDSON VALLEY Hurley Avenue Branch Hurley Avenue Branch	123 Hurley Ave	Kingston	NY
PENTAGON Pentagon Pentagon Branch	481 Main Street	Highland Falls	NY
UKRAINIAN NATIONAL Ukrainian National Ukrainian National Branch	215 SECOND AVENUE	NEW YORK	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
AMERICAN AIRLINES American Airlines American Airlines Branch	1 JFK Airport	Jamaica	NY
POLISH & SLAVIC Polish & Slavic Polish & Slavic Branch	100 McGuinness Blvd	Brooklyn	NY
UNITED NATIONS United Nations United Nations Branch	24-01 44th Road	Long Island Cit	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
FOURLEAF Liu Liu Branch	700 Northern Blvd	Greenvale	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
SERVU Servu Servu Branch	9823 Science Center Dr	Painted Post	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
GREATER CHAUTAUQUA Greater Chautauqua Greater Chautauqua Branch	51 E Main St	Falconer	NY
ED-MED Main Office Main Office Branch	601 FORD ST	OGDENSBURG	NY
MOUNTAIN VALLEY Peru Central School Peru Central School Branch	565 Bear Swamp Rd	Peru	NY
WESTERN NEW YORK Western New York Western New York Branch	1937 Union Rd	West Seneca	NY
SERVU Servu Servu Branch	9823 Science Center Dr	Painted Post	NY
HUDSON RIVER FINANCIAL Hudson River Teacher Hudson River Teacher Branch	3563 Mohegan Ave	Mohegan Lake	NY
WESTERN NEW YORK Western New York Western New York Branch	1937 Union Rd	West Seneca	NY
FIRST HERITAGE First Heritage First Heritage Branch	110 Village Square	Painted Post	NY
CFCU COMMUNITY Cfcu Community Cfcu Community Branch	1030 Craft Road	Ithaca	NY
UKRAINIAN Ukrainian Ukrainian Branch	824 Ridge Rd East	Rochester	NY
FIRST HERITAGE First Heritage First Heritage Branch	110 Village Square	Painted Post	NY
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	2885 Belgium Road	Baldwinsville	NY
PEOPLE'S ALLIANCE People's Alliance People's Alliance Branch	125 Wireless Blvd	Hauppauge	NY
ONE CREDIT UNION OF NY Buffalo Service Buffalo Service Branch	130 S. Elmwood Ave., Ste #126	Buffalo	NY
ISLAND Island Island Branch	120 Motor Parkway	Hauppauge	NY
ONTARIO SHORES Ontario Shores Ontario Shores Branch	2890 Transit Road	Newfane	NY
GEICO Geico Geico Branch	300 Crosspoint Parkway	Amherst	NY
GHS Court St Branch Court St Branch	105 Court St	Binghamton	NY
TEG Teg Teg Branch	1 Commerce Street	Poughkeepsie	NY
SPERRY ASSOCIATES Sperry Associates Sperry Associates Branch	2400 JERICHO TPKE	GARDEN CITY PAR	NY
JUSTICE Justice Justice Branch	26 Federal Plaza, Room 5-105	New York	NY
RELIANT COMMUNITY Reliant Community Reliant Community Branch	10 Benton Place	Sodus	NY
CENTRA Centra Centra Branch	4720 Baker Street Ext.	Lakewood	NY
GOOD NEIGHBORS Lancaster - Depew Lancaster - Depew Branch	30 Brunswick Rd	Depew	NY
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	800 Phillips Rd.	Webster	NY
CIRCUIT Cheektowaga Communit Cheektowaga Communit Branch	2875 UNION RD, SUITE 49	CHEEKTOWAGA	NY
CENTRA Centra Centra Branch	4720 Baker Street Ext.	Lakewood	NY
JUSTICE Justice Justice Branch	26 Federal Plaza, Room 5-105	New York	NY
GREAT ERIE O P C S O P C S Branch	4000 North Buffalo Road	Orchard Park	NY
NORTH TOWNS Clarence Community & Clarence Community & Branch	9145 Sheridan Drive	Clarence	NY
FAMILY FIRST OF NY East Rochester / Perinton Branch East Rochester / Perinton Branch	375 Fairport Rd	East Rochester	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
AFFINITY ONE Affinity One Affinity One Branch	545 EAST SECOND ST	JAMESTOWN	NY
HIGH POINT Olean Area Olean Area Branch	1201 Wayne St	Olean	NY
COMMUNITY RESOURCE Community Resource Community Resource Branch	20 Wade Rd.	Latham	NY
MERIDIA COMMUNITY Eden Branch Eden Branch	8226 N Main St	Eden	NY
ADVANTAGE Rit Rit Branch	38 Lomb Memorial Dr	Rochester	NY
FINGER LAKES Willard Branch Willard Branch	7116 County Road 132	Ovid	NY
RELIANT COMMUNITY Reliant Community Reliant Community Branch	10 Benton Place	Sodus	NY
SALT CITY A C M G A C M G Branch	1753 Milton Avenue	Solvay	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
NASSAU FINANCIAL Nassau Financial Nassau Financial Branch	865 Merrick Avenue, Suite 250N	Westbury	NY
FINANCIAL TRUST West Seneca West Seneca Branch	4257 Seneca St	West Seneca	NY
GREATER METRO Greater Metro Greater Metro Branch	31-10 37th Avenue	Long Island Cit	NY
QSIDE Qside Qside Branch	35-30 FRANCIS LEWIS BLVD	FLUSHING	NY
ADVANTAGE FINANCIAL Dva Dva Branch	113 HOLLAND AVE	ALBANY	NY
TWIN RIVERS Twin Rivers Twin Rivers Branch	23 Phillips St	Massena	NY
SEA COMM Branch - Malone Branch - Malone	3349 State Route 11	Malone	NY
ADIRONDACK REGIONAL Adirondack Regional Adirondack Regional Branch	280 Park Street	Tupper Lake	NY
TOWN OF CHEEKTOWAGA Town Of Cheektowaga Town Of Cheektowaga Branch	3251 BROADWAY	CHEEKTOWAGA	NY
FAMILY FIRST OF NY East Rochester / Perinton Branch East Rochester / Perinton Branch	375 Fairport Rd	East Rochester	NY
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	497 Electronics Parkway, EP7-G196	Liverpool	NY
OLEAN TEACHERS' AND POSTAL Olean Teachers' And Olean Teachers' And Branch	1700 CONSTITUTION AVENUE	OLEAN	NY
C C S E C C S E C C S E Branch	417 Broad St	Salamanca	NY
DANNEMORA Dannemora Dannemora Branch	50 STATE ROAD, BUILDING 27 APARTMEN	DANNEMORA	NY
GREAT MEADOW Great Meadow Great Meadow Branch	11627 State Route 22	Comstock	NY
HUDSON RIVER COMMUNITY Hudson River Communi Hudson River Communi Branch	312 Palmer Avenue	Corinth	NY
WESTERN DIVISION Western Division Western Division Branch	6750 Main St	Williamsville	NY
EMPIRE ONE Buffalo Postal Commu Buffalo Postal Commu Branch	1155 William Street	Buffalo	NY
CFCU COMMUNITY Cfcu Community Cfcu Community Branch	1030 Craft Road	Ithaca	NY
FIRST NEW YORK Wall St Location Wall St Location Branch	2 Wall St	Albany	NY
ADVANTAGE FINANCIAL Dva Dva Branch	113 HOLLAND AVE	ALBANY	NY
TRAILNORTH Ticonderoga Ticonderoga Branch	1178 NYS Rte 9N	Ticonderoga	NY
RADIUS Riverside Riverside Branch	245 Vulcan St	Buffalo	NY
UFIRST Ufirst Ufirst Branch	274 Rugar Street	Plattsburgh	NY
SYRACUSE COOPERATIVE Syracuse Cooperative Syracuse Cooperative Branch	800 N SALINA ST, SUITE 200	SYRACUSE	NY
QSIDE Qside Qside Branch	35-30 FRANCIS LEWIS BLVD	FLUSHING	NY
CORNERSTONE COMMUNITY Cornerstone Communit Cornerstone Communit Branch	6485 S. Transit Road	Lockport	NY
ONTARIO SHORES Ontario Shores Ontario Shores Branch	2890 Transit Road	Newfane	NY
SYRACUSE COOPERATIVE Syracuse Cooperative Syracuse Cooperative Branch	800 N SALINA ST, SUITE 200	SYRACUSE	NY
BUFFALO METROPOLITAN Buffalo Metropolitan Buffalo Metropolitan Branch	62 South Elmwood Ave	Buffalo	NY
ALTERNATIVES Alternatives Alternatives Branch	125 North Fulton Street	Ithaca	NY
CROSSROADS COMMUNITY Crossroads Community Crossroads Community Branch	3031 William Street	Cheektowaga	NY
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o Philips Research, 345 Scarborough Road	Briarcliff Manor	NY
SOUTHERN CHAUTAUQUA Southern Chautauqua Southern Chautauqua Branch	168 E. Fairmount Avenue	Lakewood	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
ESL Esl Esl Branch	225 Chestnut Street	Rochester	NY
AUBURN COMMUNITY Auburn Community Auburn Community Branch	65 WRIGHT CIRCLE	AUBURN	NY
ESL Esl Esl Branch	225 Chestnut Street	Rochester	NY
NIAGARA'S CHOICE Niagara's Choice Niagara's Choice Branch	3619 Packard Road	Niagara Falls	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY

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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

SAVINGS & CD CALCULATOR

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CD Products by City in New York

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