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

You are viewing rates from credit unions across Lackawanna

Below are two year Certificates of Deposit (CD) rates from credit unions located in Lackawanna, 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.

Lackawanna, NY - July 16, 2025

2 Year CD National Average : 0.66% ^?

Credit Unions	APY	MIN	MILES ^?
US Alliance Usalliance Federal Credit Union Branch Restrictions	4.20%	$500	-	Learn More Add Review
Rate History: 4.50% → 5.00% → 4.00% → 4.15% → 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. Gpo Federal Credit Union Branch Restrictions	4.10%	$1,000	-	Learn More Add Review
Rate History: 3.90% → 4.25% → 4.10%
Access Sherrill Office Branch Restrictions	4.10%	$1,000	-	Learn More Add Review
Rate History: 3.15% → 3.50% → 3.15% → 4.25% → 4.10%
Mohawk Valley 207 Genesee St 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 Federal Credit Union Branch Restrictions	3.95%	$500	-	Learn More Add Review
Rate History: 5.25% → 3.56% → 3.30% → 4.20% → 3.95%
American Airlines Aafcu - Lga 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 Baldwinsville Branch Restrictions	3.85%	$500	-	Learn More Add Review
Rate History: 4.60% → 4.60% → 3.85%
Suma Main Office Branch Restrictions	3.77%	$1,000	-	Learn More Add Review
Rate History: 4.24% → 3.82% → 3.77%
Inner Lakes 19-21 East Main Street Branch Restrictions	3.76%	$1,000	-	Learn More Add Review
Rate History: 4.65% → 4.33% → 4.06% → 3.82% → 3.76%
Pittsford Mendon Branch Restrictions	3.75%	$50	-	Learn More Add Review
Rate History: 3.85% → 3.35% → 3.15% → 3.25% → 3.75%
Corning Corning Credit Union 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 Merchant Marine Academy 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 Credit Union Center Branch Restrictions	3.60%	$500	-	Learn More Add Review
Rate History: 3.70% → 3.60%
Navy Federal Credit Union Merchant Marine Academy 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 Disaster Recovery Site Branch Restrictions	3.56%	$500	-	Learn More Add Review
Rate History: 3.56% → 4.85% → 3.50% → 4.85% → 3.56%
Polish & Slavic Mcguinness Headquarters Branch Restrictions	3.50% 3.25% 2.75%	$90,000 $50,000 $500	-	Learn More Add Review
Rate History: 4.00% → 3.50%
Ridgedale Suffern Office Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 2.76% → 3.76% → 3.50%
First Source First Source Federal Credit Union Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.00% → 4.00% → 3.50%
Suffolk Medford Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 4.10% → 3.50%
Broadview State Employees Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.25% → 4.10% → 3.50%
Mid-hudson Valley Credit Union Center 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 West Point - Highland Falls 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 Nyc 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 Clifton Park Branch Restrictions	3.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.50% → 3.00%
Teachers Holbrook Branch Restrictions	3.00%	$1,000	-	Learn More Add Review
Rate History: 1.65% → 3.75% → 3.00%
American Airlines Aafcu - Lga 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 Unfcu Headquarters 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 Headquarters Branch Restrictions	2.43%	$1,000	-	Learn More Add Review
Bethpage Bay Shore 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 Greenvale 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 Commerce Park Drive 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%
Servu Administration Branch Restrictions	1.21%	$100,000	-	Learn More Add Review
Greater Chautauqua Greater Chautauqua Fcu 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 Federal Credit Union Branch	1.00%	$10,000	-	Learn More Add Review
Western New York Main Office Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Servu Administration Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Hudson River Financial Main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Western New York Main Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
First Heritage Main Office Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Cfcu Community 1030 Craft Road Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Ukrainian Rochester Main Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
First Heritage Main Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Together Baldwinsville Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
People's Alliance Main Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Buffalo Service Niagara Center Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Island Headquarters Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Ontario Shores Ontario Shores Fcu Medina Branch	0.80%	$100,000	-	Learn More Add Review
Geico Woodbury Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Ghs Main Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Teg Teg Fcu Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Sperry Associates Garden City Park Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Justice New York Branch #9 Restrictions	0.79%	$100,000	-	Learn More Add Review
Reliant Community Canandaigua Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Centra Jamestown, Ny 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 Branch 50 Restrictions	0.70%	$10,000	-	Learn More Add Review
Cheektowaga Community Office Branch	0.70%	$10,000	-	Learn More Add Review
Centra Jamestown, Ny 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)
Justice New York Branch #9 Restrictions	0.68%	$10,000	-	Learn More Add Review
Great Erie Great Erie Federal Credit Union Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Clarence Community & Schools Clarence Community & Schools Fcu Branch	0.65%	$10,000	-	Learn More Add Review
Family First Of Ny Penfield 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 Federal Credit Union Branch Restrictions	0.63%	$10,000	-	Learn More Add Review
Olean Area Olean Area Fcu Branch Restrictions	0.60%	$500	-	Learn More Add Review
Community Resource Albany Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Meridia Community Main Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Advantage Broad Street Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Finger Lakes Main Office 27 Seneca Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Reliant Community Canandaigua Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
A C M G Solvay Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Sidney Sidney Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Nassau Financial Garden City Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Financial Trust Harlem Branch Restrictions	0.55%	$1,000	-	Learn More Add Review
Greater Metro Va Office Branch Restrictions	0.55%	$500	-	Learn More Add Review
Qside Deepdale Gardens Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Advantage Financial Brooklyn Va Medical Center Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Twin Rivers Trfcu Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Sea Comm Branch - Canton Restrictions	0.50%	$1,000	-	Learn More Add Review
Adirondack Regional Tupper Lake Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Town Of Cheektowaga Town Of Cheektowaga Fcu Branch	0.50%	$10,000	-	Learn More Add Review
Family First Of Ny Penfield Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
General Electric Employees Syracuse Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Olean Teachers' And Postal Olean Teachers' & Postal Federal Credit Union Branch	0.50%	$10,000	-	Learn More Add Review
C C S E Ccse Federal Credit Union Branch	0.45%	$10,000	-	Learn More Add Review
Dannemora Dannemora-tom Miller Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Great Meadow Comstock Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Hudson River Community Corinth 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 Branch 010 Restrictions	0.45%	$10,000	-	Learn More Add Review
Cfcu Community 1030 Craft Road Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
First New York Cobleskill Location Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Advantage Financial Brooklyn Va Medical Center Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Trailnorth Ticonderoga Federal Credit Union Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Riverside Vulcan Street Branch Restrictions	0.40%	$250	-	Learn More Add Review
Ufirst Ufirst Fcu Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Syracuse Cooperative Westcott Office Branch	0.35%	$100,000	-	Learn More Add Review
Qside Deepdale Gardens Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Cornerstone Community Stevens Street Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Ontario Shores Ontario Shores Fcu Medina Branch	0.30%	$10,000	-	Learn More Add Review
Syracuse Cooperative Westcott Office Branch	0.30%	$10,000	-	Learn More Add Review
Buffalo Metropolitan Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch Restrictions	0.25%	$500	-	Learn More Add Review
Alternatives Alternatives Federal Credit Union Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Crossroads Community Main - 3031 William Street Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 3 Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Southern Chautauqua Lakewood Branch Restrictions	0.22%	$10,000	-	Learn More Add Review
Palisades Pearl River Branch Restrictions	0.20% 0.10%	$100,000 $10,000	-	Learn More Add Review
Esl Brighton Henrietta Branch Restrictions	0.15% 0.12%	$100,000 $500	-	Learn More Add Review
Auburn Community Main Office - 65 Wright Circle Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Niagara's Choice Packard Road 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 10116

Branch	Street	City	State
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
G.P.O. Gpo Federal Credit Union Gpo Federal Credit Union Branch	4311 Middle Settlement Rd	New Hartford	NY
ACCESS Sherrill Office Sherrill Office Branch	390 W Seneca St	Sherrill	NY
MOHAWK VALLEY 207 Genesee St 207 Genesee St Branch	207 Genesee St	Utica	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	26 Federal Plz Ste 1702	New York	NY
AMERICAN AIRLINES Aafcu - Lga Aafcu - Lga Branch	LaGuardia Airport Hangar 3 Room 122	Flushing	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
SUMA Main Office Main Office Branch	125 Corporate Blvd	Yonkers	NY
INNER LAKES 19-21 East Main Street 19-21 East Main Street Branch	19-21 E Main St	Westfield	NY
PITTSFORD Mendon Mendon Branch	1321 Pittsford Mendon Rd	Mendon	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
VISIONS Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
POLISH & SLAVIC Mcguinness Headquarters Mcguinness Headquarters Branch	100 McGuinness Blvd	Brooklyn	NY
RIDGEDALE Suffern Office Suffern Office Branch	25 Old Mill Rd	Suffern	NY
FIRST SOURCE First Source Federal Credit Union First Source Federal Credit Union Branch	4451 Commercial Dr	New Hartford	NY
SUFFOLK Medford Branch Medford Branch	3681 Horseblock Rd	Medford	NY
BROADVIEW State Employees State Employees Branch	700 Patroon Creek Blvd	Albany	NY
POLISH & SLAVIC Mcguinness Headquarters Mcguinness Headquarters Branch	100 McGuinness Blvd	Brooklyn	NY
MID-HUDSON VALLEY Credit Union Center Credit Union Center Branch	1099 Morton Blvd	Kingston	NY
PENTAGON West Point - Highland Falls West Point - Highland Falls Branch	481 Main St	Highland Falls	NY
UKRAINIAN NATIONAL Nyc Nyc Branch	215 2nd Ave	New York	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
AMERICAN AIRLINES Aafcu - Lga Aafcu - Lga Branch	LaGuardia Airport Hangar 3 Room 122	Flushing	NY
POLISH & SLAVIC Mcguinness Headquarters Mcguinness Headquarters Branch	100 McGuinness Blvd	Brooklyn	NY
UNITED NATIONS Unfcu Headquarters Unfcu Headquarters Branch	2401 44th Rd	Long Island City	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
FOURLEAF Bay Shore Bay Shore Branch	591 E Main St	Bay Shore	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
SERVU Administration Administration Branch	9823 Science Center Dr	Painted Post	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
GREATER CHAUTAUQUA Greater Chautauqua Fcu Greater Chautauqua Fcu Branch	57 Lake Shore Dr W	Dunkirk	NY
ED-MED Main Office Main Office Branch	601 FORD ST	OGDENSBURG	NY
MOUNTAIN VALLEY Peru Federal Credit Union Peru Federal Credit Union Branch	700 Bear Swamp Rd	Peru	NY
WESTERN NEW YORK Main Office Main Office Branch	1937 Union Rd	West Seneca	NY
SERVU Administration Administration Branch	9823 Science Center Dr	Painted Post	NY
HUDSON RIVER FINANCIAL Main Office Main Office Branch	3563 Mohegan Ave	Mohegan Lake	NY
WESTERN NEW YORK Main Office Main Office Branch	1937 Union Rd	West Seneca	NY
FIRST HERITAGE Main Office Main Office Branch	110 Village Sq	Painted Post	NY
CFCU COMMUNITY 1030 Craft Road 1030 Craft Road Branch	1030 Craft Rd	Ithaca	NY
UKRAINIAN Rochester Main Office Rochester Main Office Branch	824 E Ridge Rd	Rochester	NY
FIRST HERITAGE Main Office Main Office Branch	110 Village Sq	Painted Post	NY
TOGETHER Baldwinsville Baldwinsville Branch	2885 Belgium Rd	Baldwinsville	NY
PEOPLE'S ALLIANCE Main Office Main Office Branch	125 Wireless Blvd	Hauppauge	NY
ONE CREDIT UNION OF NY Niagara Center Niagara Center Branch	130 S Elmwood Ave Ste 126	Buffalo	NY
ISLAND Headquarters Headquarters Branch	120 Motor Pkwy	Hauppauge	NY
ONTARIO SHORES Ontario Shores Fcu Medina Ontario Shores Fcu Medina Branch	4200 Salt Works Rd	Medina	NY
GEICO Woodbury Woodbury Branch	750 Woodbury Rd	Woodbury	NY
GHS Main Office Main Office Branch	910 Upper Front St	Binghamton	NY
TEG Teg Fcu Teg Fcu Branch	1 Commerce St	Poughkeepsie	NY
SPERRY ASSOCIATES Garden City Park Garden City Park Branch	2400 Jericho Tpke	Garden City Park	NY
JUSTICE New York Branch #9 New York Branch #9	290 Broadway Fl 10	New York	NY
RELIANT COMMUNITY Canandaigua Canandaigua Branch	3255 County Road 10	Canandaigua	NY
CENTRA Jamestown, Ny Jamestown, Ny Branch	4720 Baker St	Lakewood	NY
GOOD NEIGHBORS Lancaster - Depew Lancaster - Depew Branch	30 Brunswick Rd	Depew	NY
XCEED FINANCIAL Branch 50 Branch 50	800 Phillips Rd	Webster	NY
CIRCUIT Office Office Branch	2875 UNION RD STE 49	CHEEKTOWAGA	NY
CENTRA Jamestown, Ny Jamestown, Ny Branch	4720 Baker St	Lakewood	NY
JUSTICE New York Branch #9 New York Branch #9	290 Broadway Fl 10	New York	NY
GREAT ERIE Great Erie Federal Credit Union Great Erie Federal Credit Union Branch	4000 N Buffalo St	Orchard Park	NY
NORTH TOWNS Clarence Community & Schools Fcu Clarence Community & Schools Fcu Branch	9145 Sheridan Dr	Clarence	NY
FAMILY FIRST OF NY Penfield Branch Penfield Branch	2520 Browncroft Blvd	Rochester	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
AFFINITY ONE Affinity One Federal Credit Union Affinity One Federal Credit Union Branch	545 E 2nd St	Jamestown	NY
HIGH POINT Olean Area Fcu Olean Area Fcu Branch	1201 Wayne St	Olean	NY
COMMUNITY RESOURCE Albany Office Albany Office Branch	1125 Broadway	Menands	NY
MERIDIA COMMUNITY Main Office Main Office Branch	4500 Southwestern Blvd	Hamburg	NY
ADVANTAGE Broad Street Broad Street Branch	225 W Broad St	Rochester	NY
FINGER LAKES Main Office 27 Seneca Main Office 27 Seneca Branch	27 Seneca St	Geneva	NY
RELIANT COMMUNITY Canandaigua Canandaigua Branch	3255 County Road 10	Canandaigua	NY
SALT CITY Solvay Office Solvay Office Branch	1753 Milton Ave	Solvay	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
NASSAU FINANCIAL Garden City Garden City Branch	1325 Franklin Ave	Garden City	NY
FINANCIAL TRUST Harlem Harlem Branch	3333 Harlem Rd	Cheektowaga	NY
GREATER METRO Va Office Va Office Branch	423 E 23rd St	New York	NY
QSIDE Deepdale Gardens Deepdale Gardens Branch	24931 61ST AVE	LITTLE NECK	NY
ADVANTAGE FINANCIAL Brooklyn Va Medical Center Brooklyn Va Medical Center Branch	800 Poly Pl Rm 1110	Brooklyn	NY
TWIN RIVERS Trfcu Trfcu Branch	23 Phillips St	Massena	NY
SEA COMM Branch - Canton Branch - Canton	101 E Main St	Canton	NY
ADIRONDACK REGIONAL Tupper Lake Tupper Lake Branch	280 Park St	Tupper Lake	NY
TOWN OF CHEEKTOWAGA Town Of Cheektowaga Fcu Town Of Cheektowaga Fcu Branch	3251 BROADWAY St	CHEEKTOWAGA	NY
FAMILY FIRST OF NY Penfield Branch Penfield Branch	2520 Browncroft Blvd	Rochester	NY
GENERAL ELECTRIC EMPLOYEES Syracuse Syracuse Branch	497 Electronics Pkwy	Liverpool	NY
OLEAN TEACHERS' AND POSTAL Olean Teachers' & Postal Federal Credit Union Olean Teachers' & Postal Federal Credit Union Branch	1700 CONSTITUTION AVE	OLEAN	NY
C C S E Ccse Federal Credit Union Ccse Federal Credit Union Branch	417 Broad St	Salamanca	NY
DANNEMORA Dannemora-tom Miller Dannemora-tom Miller Branch	344 Tom Miller Rd	Plattsburgh	NY
GREAT MEADOW Comstock Comstock Branch	11627 State Route 22	Comstock	NY
HUDSON RIVER COMMUNITY Corinth Branch Corinth Branch	312 Palmer Ave	Corinth	NY
WESTERN DIVISION Western Division Western Division Branch	6750 Main St	Williamsville	NY
EMPIRE ONE Branch 010 Branch 010	1155 William St	Buffalo	NY
CFCU COMMUNITY 1030 Craft Road 1030 Craft Road Branch	1030 Craft Rd	Ithaca	NY
FIRST NEW YORK Cobleskill Location Cobleskill Location Branch	795 E Main St Ste 1	Cobleskill	NY
ADVANTAGE FINANCIAL Brooklyn Va Medical Center Brooklyn Va Medical Center Branch	800 Poly Pl Rm 1110	Brooklyn	NY
TRAILNORTH Ticonderoga Federal Credit Union Ticonderoga Federal Credit Union Branch	43 Meacham St	Port Henry	NY
RADIUS Vulcan Street Vulcan Street Branch	245 Vulcan St	Buffalo	NY
UFIRST Ufirst Fcu Ufirst Fcu Branch	274 Rugar St	Plattsburgh	NY
SYRACUSE COOPERATIVE Westcott Office Westcott Office Branch	723 Westcott St	Syracuse	NY
QSIDE Deepdale Gardens Deepdale Gardens Branch	24931 61ST AVE	LITTLE NECK	NY
CORNERSTONE COMMUNITY Stevens Street Stevens Street Branch	55 Stevens St	Lockport	NY
ONTARIO SHORES Ontario Shores Fcu Medina Ontario Shores Fcu Medina Branch	4200 Salt Works Rd	Medina	NY
SYRACUSE COOPERATIVE Westcott Office Westcott Office Branch	723 Westcott St	Syracuse	NY
BUFFALO METROPOLITAN Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch	62 S Elmwood Ave	Buffalo	NY
ALTERNATIVES Alternatives Federal Credit Union Alternatives Federal Credit Union Branch	125 N Fulton St	Ithaca	NY
CROSSROADS COMMUNITY Main - 3031 William Street Main - 3031 William Street Branch	3031 William St	Cheektowaga	NY
PARTNERS 1ST Partners 1st Fcu, Br. 3 Partners 1st Fcu, Br. 3 Branch	345 Scarborough Rd	Briarcliff Manor	NY
SOUTHERN CHAUTAUQUA Lakewood Lakewood Branch	168 E Fairmount Ave	Lakewood	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
ESL Brighton Henrietta Brighton Henrietta Branch	100 Canal View Blvd	Rochester	NY
AUBURN COMMUNITY Main Office - 65 Wright Circle Main Office - 65 Wright Circle Branch	65 WRIGHT CIR	AUBURN	NY
ESL Brighton Henrietta Brighton Henrietta Branch	100 Canal View Blvd	Rochester	NY
NIAGARA'S CHOICE Packard Road Packard Road Branch	3619 Packard Rd	Niagara Falls	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	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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