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Credit Union CD Rates – 5-Year – New York City, New York

You are viewing local cd rates from credit unions around: New York, NY 10116





Below are 5 year CD Rates from credit unions that are located within 20 miles of your location. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

New York City, NY - July 30, 2025

5 Year CD National Average : 0.92% ?

Credit Unions APY MIN MILES ?

Rate History: 3.14% → 4.07%

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 4.00% → 4.05%

Rate History: 3.40% → 4.00%

Rate History: 4.08% → 3.56%

Rate History: 0.50% → 3.85% → 3.55% → 4.05% → 3.55%

| 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

Rate History: 4.05% → 3.95% → 3.45% → 3.50%

Rate History: 3.61% → 4.18% → 4.07% → 3.75% → 3.50%

Rate History: 1.70% → 1.55% → 3.00% → 3.25%

Rate History: 3.50% → 3.25%

Rate History: 2.50% → 2.25% → 2.00% → 1.75% → 2.75%

| Sep 4, 2019

BETHPAGE CREDIT UNION IS THE BEST.. Read More

Rate History: 3.25% → 2.75% → 2.50%

| 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

Rate History: 2.75% → 2.50%

2.50%

$250

4.57

Learn More

Rate History: 2.50% → 2.35%

Rate History: 4.50% → 4.34% → 4.08% → 3.30% → 1.97%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

1.25%

$100,000

0.11

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1.20%

$10,000

9.93

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1.16%

$10,000

1.53

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1.15%

$10,000

14.90

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1.15%

$10,000

1.64

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1.10%

$100,000

13.15

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1.10%

$10,000

18.56

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1.07%

$100,000

0.16

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1.05%

$10,000

13.15

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1.00%

$10,000

12.82

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1.00%

$10,000

0.11

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0.97%

$10,000

0.16

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0.95%

$10,000

15.46

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0.90%

$100,000

7.20

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0.85%

$500

2.23

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0.80%

$10,000

13.20

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0.80%

$100,000

17.00

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0.80%

$10,000

19.78

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0.80%

$10,000

7.20

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0.75%

$10,000

0.21

Learn More

| Aug 21, 2023

Don’t trust them they are a fake company, with fake promises, and they will convince you to invest your hard-earned money with them, don’t be fooled by all these scam investment brokers and account man... Read More

0.75%

$10,000

9.16

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0.70%

$10,000

17.00

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0.61%

$10,000

22.25

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0.55%

$100,000

14.90

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0.55%

$10,000

17.01

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0.50%

$10,000

14.90

Learn More

Edu


Restrictions

0.40%

$500

-

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0.20%

$10,000

16.67

Learn More
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
AMERICAN AIRLINES
Aafcu - Lga Aafcu - Lga Branch
LaGuardia Airport Hangar 3 Room 122 Flushing NY
TRUMARK FINANCIAL
Chestnut Hill Chestnut Hill Branch
8500 Germantown Ave Philadelphia PA
US Alliance
Iso Iso Branch
545 Washington Blvd Jersey City NJ
TRUMARK FINANCIAL
Chestnut Hill Chestnut Hill Branch
8500 Germantown Ave Philadelphia PA
SUMA
Palisade Branch Palisade Branch
301 Palisade Ave Yonkers NY
XCEL
Xcel Federal Credit Union Xcel Federal Credit Union Branch
26 Federal Plz Ste 1702 New York NY
NAVY FEDERAL CREDIT UNION
Rota Rota Branch
USNAVSTA Rota
SIKORSKY FINANCIAL
Stationhouse Square Stationhouse Square Branch
2505 Main St Stratford CT
NAVY FEDERAL CREDIT UNION
Rota Rota Branch
USNAVSTA Rota
VISIONS
Oakland Oakland Branch
3 Post Rd Oakland NJ
GARDEN SAVINGS
Maplewood Branch Maplewood Branch
709 Irvington Ave Maplewood NJ
PREMIER AMERICA
Camarillo Branch Camarillo Branch
761 E Daily Dr Ste 100 Camarillo CA
UKRAINIAN NATIONAL
Perth Amboy Perth Amboy Branch
615 Amboy Ave Perth Amboy NJ
AMERICAN AIRLINES
Aafcu - Lga Aafcu - Lga Branch
LaGuardia Airport Hangar 3 Room 122 Flushing NY
POLISH & SLAVIC
Polish & Slavic Polish & Slavic Branch
667 Chestnut St Union NJ
FOURLEAF
Bethpage Bethpage Branch
1633 Dutch Broadway Elmont NY
POLISH & SLAVIC
Polish & Slavic Polish & Slavic Branch
667 Chestnut St Union NJ
JOVIA FINANCIAL
Valley Stream Valley Stream Branch
264 E Merrick Rd Valley Stream NY
UNITED NATIONS
United Nations United Nations Branch
24-01 44th Road Long Island Cit NY
WASHINGTON STATE EMPLOYEES
Wsecu - Puyallup South Hill Wsecu - Puyallup South Hill Branch
17526 Meridian E Puyallup WA
AFFINITY
Affinity Affinity Branch
1860 Rt. 35 South Middletown NJ
BOEING EMPLOYEES
Bonney Lake Neighborhood Financial Center Bonney Lake Neighborhood Financial Center Branch
21182 State Route 410 E Bonney Lake WA
BOEING EMPLOYEES
Bonney Lake Neighborhood Financial Center Bonney Lake Neighborhood Financial Center Branch
21182 State Route 410 E Bonney Lake WA
JERSEY CENTRAL
Main Office Main Office Branch
23 North Ave E Cranford NJ
CFCU COMMUNITY
Cfcu Community Cfcu Community Branch
1001 West Tower, Ithaca College Ithaca NY
TOGETHER
Newark Newark Branch
200 US Highway 1 and 9 Newark NJ
PEOPLE'S ALLIANCE
Brooklyn-atlantic Ave Brooklyn-atlantic Ave Branch
69 Atlantic Ave Brooklyn NY
THE ATLANTIC
The Atlantic The Atlantic Branch
37 Market Street Kenilworth NJ
ISLAND
Island Island Branch
1 Metro Tech Center, 2nd Floor, Rm 02-41 Brooklyn NY
PROPONENT
Branch 09 Branch 09
427 Bloomfield Ave Montclair NJ
SPERRY ASSOCIATES
Sperry Associates Sperry Associates Branch
2400 JERICHO TPKE GARDEN CITY PAR NY
JUSTICE
Justice Justice Branch
290 Broadway 10th Floor New York NY
PROPONENT
Branch 09 Branch 09
427 Bloomfield Ave Montclair NJ
UNILEVER
Unilever Unilever Branch
800 Sylvan Ave Englewood Cliff NJ
CFCU COMMUNITY
Cfcu Community Cfcu Community Branch
1001 West Tower, Ithaca College Ithaca NY
JUSTICE
Justice Justice Branch
290 Broadway 10th Floor New York NY
MOTION
E 53 E 53 Branch
1900 E Linden Avenue Linden NJ
GREATER ALLIANCE
Greater Alliance Greater Alliance Branch
40 West Century Road Paramus NJ
ADVANTAGE FINANCIAL
Dva Dva Branch
800 Poly place Room 1110 Brooklyn NY
GREATER METRO
Greater Metro Greater Metro Branch
423 East 23rd Street New York NY
MID AMERICAN
Overland Park Branch Overland Park Branch
9201 W 87th St Overland Park KS
SEAPORT
North Jersey Cu North Jersey Cu Branch
711 Union Blvd Totowa NJ
UNITED POLES
United Poles United Poles Branch
412 NEW BRUNSWICK AVE PERTH AMBOY NJ
ADVANTAGE FINANCIAL
Dva Dva Branch
800 Poly place Room 1110 Brooklyn NY
MIDWEST AMERICA
East Dupont East Dupont Branch
4140 E Dupont Rd Fort Wayne IN
ADVANCED FINANCIAL
Advanced Financial Advanced Financial Branch
575 raritan road roselle NJ
RUTGERS
Branch 02-newark Branch 02-newark
249 University Ave Newark NJ
SEAPORT
North Jersey Cu North Jersey Cu Branch
711 Union Blvd Totowa NJ
PINNACLE
Edison Branch Edison Branch
135 Raritan Center Pkwy Edison NJ
PUBLIC SERVICE
Veterans Health Administration Branch Veterans Health Administration Branch
4646 John R St Detroit MI
NORTH JERSEY
Totowa Branch Totowa Branch
711 Union Blvd Totowa NJ
PUBLIC SERVICE
Veterans Health Administration Branch Veterans Health Administration Branch
4646 John R St Detroit MI
ASPIRE
Clark - New Jersey Clark - New Jersey Branch
67 Walnut Ave Clark NJ
PALISADES
Palisades Palisades Branch
300 NORTH MIDDLETOWN ROAD, SUITE 6 PEARL RIVER NY
PALISADES
Palisades Palisades Branch
300 NORTH MIDDLETOWN ROAD, SUITE 6 PEARL RIVER NY


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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