Best Credit Union 3 Year CD Rates in New York, NY

You are viewing rates from credit unions across New York

Below are three year CD Rates from credit unions in New York. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

NY - July 3, 2025

3 Year CD National Average : 0.75% ^?

Credit Unions	APY	MIN	MILES ^?
Hudson Valley Restrictions	4.35%	$500	-	Learn More Add Review
Rate History: 3.50% → 4.35%
US Alliance Restrictions	4.00%	$500	-	Learn More Add Review
Rate History: 3.40% → 4.00%
G.p.o. Restrictions	4.00%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.00% → 4.25% → 4.00%
Access Restrictions	4.00%	$1,000	-	Learn More Add Review
Rate History: 3.20% → 3.15% → 3.20% → 3.75% → 4.00%
American Airlines Restrictions	3.97%	$10,000	-	Learn More
Rate History: 3.04% → 3.97%
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
Municipal Restrictions	3.82%	$500	-	Learn More Add Review
Rate History: 3.82% → 3.56% → 3.82% → 4.85% → 3.82%
Empower Restrictions	3.80%	$500	-	Learn More Add Review
Rate History: 3.05% → 3.80%
Inner Lakes Restrictions	3.76%	$1,000	-	Learn More Add Review
Rate History: 4.65% → 4.33% → 4.07% → 3.82% → 3.76%
Navy Federal Credit Union Restrictions	3.75% 3.70%	$100,000 $1,000	-	Learn More
Rate History: 4.05% → 3.75% → 1.55% → 3.75%
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)
Suma Restrictions	3.67%	$1,000	-	Learn More Add Review
Rate History: 4.19% → 3.72% → 3.67%
Polish & Slavic Restrictions	3.50% 3.25%	$50,000 $500	-	Learn More Add Review
Rate History: 3.85% → 4.10% → 3.60% → 3.75% → 3.50%
Visions Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.90% → 3.80% → 3.45% → 3.50%
Corning Restrictions	3.50% 3.30%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.75% → 3.70% → 3.50%
Financial Resources Restrictions	3.45%	$500	-	Learn More Add Review
Rate History: 3.97% → 3.76% → 3.45%
Suffolk Restrictions	3.30%	$500	-	Learn More Add Review
Rate History: 3.75% → 3.30%
Xcel Restrictions	3.30%	$500	-	Learn More Add Review
Rate History: 3.30% → 3.56% → 3.30%
Baxter Restrictions	3.25%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.50% → 3.40% → 3.25%
Ridgedale Restrictions	3.25%	$500	-	Learn More Add Review
Rate History: 2.38% → 3.45% → 3.25%
Pentagon Restrictions	3.20%	$1,000	-	Learn More
Rate History: 4.00% → 3.40% → 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 Restrictions	3.15%	$1,000	-	Learn More Add Review
Rate History: 3.44% → 3.29% → 3.24% → 3.29% → 3.15%
Mohawk Valley Restrictions	3.04%	$1,000	-	Learn More Add Review
Rate History: 2.80% → 3.04%
Quorum Restrictions	3.00%	$1,000	-	Learn More
Rate History: 3.50% → 3.75% → 36.00% → 3.15% → 3.00%
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)
First Source Restrictions	3.00%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 4.00% → 3.00%
Capital Communications Restrictions	3.00%	$100	-	Learn More Add Review
Rate History: 0.65% → 3.50% → 3.00%
The Summit Restrictions	3.00%	$500	-	Learn More
Rate History: 4.16% → 4.02% → 3.92% → 2.47% → 3.00%
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)
Mid-hudson Valley Restrictions	3.00%	$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)
Teachers Restrictions	3.00%	$1,000	-	Learn More Add Review
Rate History: 2.75% → 4.00% → 3.50% → 3.00%
Broadview Restrictions	3.00%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.00% → 3.50% → 3.00%
American Airlines Restrictions	2.94%	$1,000	-	Learn More
Rate History: 3.04% → 3.94% → 2.94%
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
United Nations Restrictions	2.50%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.50%
Americu Restrictions	2.43%	$500	-	Learn More Add Review
Jovia Financial Restrictions	2.25%	$100	-	Learn More
Rate History: 4.00% → 3.25% → 2.25%
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)
Affinity Restrictions	1.90%	$500	-	Learn More Add Review
Rate History: 2.25% → 2.00% → 1.90%
Bethpage Restrictions	1.75%	$50	-	Learn More
Rate History: 3.50% → 3.25% → 3.00% → 2.75% → 1.75%
MY OPINION \| Sep 4, 2019 BETHPAGE CREDIT UNION IS THE BEST.. Read More Reviews (1)
Saint Lawrence Restrictions	1.71% 1.61% 1.51%	$25,000 $0 $75,000	-	Learn More Add Review
Rate History: 1.51% → 1.61% → 1.71%
Servu Restrictions	1.31%	$100,000	-	Learn More Add Review
Greater Chautauqua Restrictions	1.21%	$10,000	-	Learn More Add Review
Hudson River Financial Restrictions	1.20%	$10,000	-	Learn More Add Review
First Heritage Restrictions	1.16%	$10,000	-	Learn More Add Review
Western New York Restrictions	1.10%	$100,000	-	Learn More Add Review
Servu Restrictions	1.10%	$10,000	-	Learn More Add Review
Cfcu Community Restrictions	1.10%	$100,000	-	Learn More Add Review
Ghs Restrictions	1.10%	$10,000	-	Learn More Add Review
Sea Comm Restrictions	1.05%	$1,000	-	Learn More Add Review
Western New York Restrictions	1.05%	$10,000	-	Learn More Add Review
Ukrainian Restrictions	1.00%	$10,000	-	Learn More Add Review
Buffalo Service Restrictions	1.00%	$10,000	-	Learn More Add Review
General Electric Employees Restrictions	1.00%	$10,000	-	Learn More Add Review
Cheektowaga Community	1.00%	$10,000	-	Learn More Add Review
Ulster Restrictions	1.00%	$10,000	-	Learn More Add Review
Island Restrictions	1.00%	$10,000	-	Learn More Add Review
Together Restrictions	0.99%	$10,000	-	Learn More Add Review
People's Alliance Restrictions	0.99%	$10,000	-	Learn More Add Review
Justice Restrictions	0.98%	$100,000	-	Learn More Add Review
Ontario Shores	0.90%	$100,000	-	Learn More Add Review
Geico Restrictions	0.90%	$10,000	-	Learn More Add Review
Reliant Community Restrictions	0.90%	$100,000	-	Learn More Add Review
Heritage Financial	0.90%	$100,000	-	Learn More Add Review
Teg Restrictions	0.90%	$10,000	-	Learn More Add Review
Sperry Associates Restrictions	0.90%	$10,000	-	Learn More Add Review
Justice Restrictions	0.88%	$10,000	-	Learn More Add Review
Cfcu Community Restrictions	0.85%	$10,000	-	Learn More Add Review
Sidney Restrictions	0.85%	$100,000	-	Learn More Add Review
Great Erie Restrictions	0.80%	$10,000	-	Learn More Add Review
Xceed Financial Restrictions	0.80%	$10,000	-	Learn More Add Review
A C M G Restrictions	0.80%	$10,000	-	Learn More Add Review
Centra Restrictions	0.80%	$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)
Sidney Restrictions	0.80%	$10,000	-	Learn More Add Review
Heritage Financial	0.80%	$10,000	-	Learn More Add Review
Affinity One Restrictions	0.76%	$10,000	-	Learn More Add Review
Finger Lakes Restrictions	0.75%	$10,000	-	Learn More Add Review
Adirondack Regional Restrictions	0.75%	$10,000	-	Learn More Add Review
Clarence Community & Schools	0.75%	$10,000	-	Learn More Add Review
Family First Of Ny Restrictions	0.75%	$100,000	-	Learn More Add Review
Reliant Community Restrictions	0.75%	$10,000	-	Learn More Add Review
Centra Restrictions	0.75%	$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)
Olean Teachers' And Postal	0.75%	$10,000	-	Learn More Add Review
Community Resource Restrictions	0.70%	$10,000	-	Learn More Add Review
First New York Restrictions	0.70%	$10,000	-	Learn More Add Review
Nassau Financial Restrictions	0.70%	$10,000	-	Learn More Add Review
Olean Area Restrictions	0.65%	$500	-	Learn More Add Review
Twin Rivers Restrictions	0.65%	$10,000	-	Learn More Add Review
Great Meadow Restrictions	0.65%	$10,000	-	Learn More Add Review
Meridia Community Restrictions	0.65%	$10,000	-	Learn More Add Review
Financial Trust Restrictions	0.65%	$1,000	-	Learn More Add Review
Greater Metro Restrictions	0.65%	$500	-	Learn More Add Review
Advantage Financial Restrictions	0.65%	$100,000	-	Learn More Add Review
Northern	0.60%	$100,000	-	Learn More Add Review
Dannemora Restrictions	0.60%	$10,000	-	Learn More Add Review
Town Of Cheektowaga	0.60%	$10,000	-	Learn More Add Review
Advantage Restrictions	0.60%	$10,000	-	Learn More Add Review
Family First Of Ny Restrictions	0.60%	$10,000	-	Learn More Add Review
Qside Restrictions	0.60%	$100,000	-	Learn More Add Review
C C S E	0.55%	$10,000	-	Learn More Add Review
Empire One Restrictions	0.55%	$10,000	-	Learn More Add Review
Advantage Financial Restrictions	0.55%	$10,000	-	Learn More Add Review
Greenstate Restrictions	0.50%	$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 Restrictions	0.50%	$10,000	-	Learn More Add Review
Hudson River Community Restrictions	0.50%	$10,000	-	Learn More Add Review
Western Division Restrictions	0.50%	$10,000	-	Learn More Add Review
Riverside Restrictions	0.50%	$250	-	Learn More Add Review
Ufirst Restrictions	0.45%	$10,000	-	Learn More Add Review
Sunmark	0.45%	$10,000	-	Learn More Add Review
Qside Restrictions	0.45%	$10,000	-	Learn More Add Review
Northern	0.40%	$10,000	-	Learn More Add Review
Ontario Shores	0.40%	$10,000	-	Learn More Add Review
Cornerstone Community Restrictions	0.35%	$10,000	-	Learn More Add Review
Syracuse Cooperative	0.35%	$100,000	-	Learn More Add Review
Partners 1st Restrictions	0.35%	$10,000	-	Learn More Add Review
Buffalo Metropolitan Restrictions	0.30%	$500	-	Learn More Add Review
Alternatives Restrictions	0.30%	$10,000	-	Learn More Add Review
Syracuse Cooperative	0.30%	$10,000	-	Learn More Add Review
Crossroads Community Restrictions	0.30%	$10,000	-	Learn More Add Review
Edu Restrictions	0.25%	$500	-	Learn More Add Review
Niagara's Choice Restrictions	0.25%	$10,000	-	Learn More Add Review
Southern Chautauqua Restrictions	0.25%	$10,000	-	Learn More Add Review
Esl Restrictions	0.20% 0.15%	$100,000 $500	-	Learn More Add Review
Auburn Community Restrictions	0.20%	$10,000	-	Learn More Add Review
Palisades Restrictions	0.20% 0.10%	$100,000 $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.

See rates for Online Banks →

See rates for Local Banks →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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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Credit Union CD Rates – 3-Year – New York

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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