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Credit Union CD Rates – 6-Month – New York City, New York

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





Below are the best six month CD Rates from credit unions with branches within 20 miles of the zip code listed above. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

New York City, NY - July 30, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 3.30% → 3.60% → 4.18%

Rate History: 4.55% → 5.05% → 4.30% → 4.15% → 4.05%

Rate History: 1.00% → 5.75% → 4.25% → 4.50% → 4.00%

Rate History: 2.50% → 4.00% → 4.16% → 4.00%

Rate History: 3.15% → 4.00%

Rate History: 3.50% → 4.50% → 3.75% → 4.25% → 4.00%

Rate History: 4.58% → 4.32% → 5.10% → 4.32% → 3.65%

Rate History: 2.02% → 3.04%

Rate History: 5.75% → 4.07% → 3.25% → 3.10% → 3.00%

Rate History: 3.15% → 3.00% → 2.90% → 2.80% → 3.00%

Rate History: 2.50% → 0.63% → 2.50%

Rate History: 2.00% → 2.50%

Rate History: 4.00% → 3.50% → 3.00% → 2.50% → 2.25%

| Sep 4, 2019

BETHPAGE CREDIT UNION IS THE BEST.. Read More

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| 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

Rate History: 5.00% → 4.00% → 2.50% → 2.00% → 1.50%

| 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

0.55%

$100,000

0.16

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0.50%

$100,000

12.82

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0.50%

$100,000

13.15

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0.50%

$10,000

12.30

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0.50%

$10,000

24.66

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0.50%

$10,000

9.93

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0.50%

$100,000

0.11

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0.50%

$10,000

18.56

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0.50%

$10,000

1.64

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0.50%

$100,000

12.18

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0.47%

$10,000

1.53

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0.45%

$10,000

0.16

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0.45%

$10,000

13.15

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0.45%

$10,000

14.90

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0.45%

$10,000

0.11

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| 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

0.40%

$10,000

14.07

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0.35%

$10,000

12.73

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0.35%

$10,000

12.82

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0.35%

$100,000

17.00

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0.35%

$500

2.23

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0.35%

$10,000

7.20

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0.30%

$10,000

13.20

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0.30%

$10,000

0.11

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0.30%

$10,000

12.18

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0.25%

$10,000

12.00

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0.25%

$10,000

17.00

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0.22%

$10,000

22.25

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0.20%

$10,000

0.21

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0.20%

$10,000

17.01

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0.20%

$10,000

17.32

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Rate History: 0.10% → 0.20%

0.18%

$100,000

14.90

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0.15%

$10,000

14.90

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0.15%

$10,000

15.46

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0.15%

$10,000

19.78

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0.10%

$10,000

16.67

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0.10%

$10,000

9.16

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Edu


Restrictions

0.01%

$500

-

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
JERSEY CENTRAL
Main Office Main Office Branch
23 North Ave E Cranford NJ
SUMA
Palisade Branch Palisade Branch
301 Palisade Ave Yonkers NY
TRUMARK FINANCIAL
Chestnut Hill Chestnut Hill Branch
8500 Germantown Ave Philadelphia PA
US Alliance
Iso Iso Branch
545 Washington Blvd Jersey City NJ
PREMIER AMERICA
Camarillo Branch Camarillo Branch
761 E Daily Dr Ste 100 Camarillo CA
VISIONS
Oakland Oakland Branch
3 Post Rd Oakland NJ
GARDEN SAVINGS
Maplewood Branch Maplewood Branch
709 Irvington Ave Maplewood NJ
TRUMARK FINANCIAL
Chestnut Hill Chestnut Hill Branch
8500 Germantown Ave Philadelphia PA
UKRAINIAN NATIONAL
Perth Amboy Perth Amboy Branch
615 Amboy Ave Perth Amboy NJ
MUNICIPAL
Municipal Municipal Branch
2546 Hyland Blvd Staten Island NY
BOEING EMPLOYEES
Bonney Lake Neighborhood Financial Center Bonney Lake Neighborhood Financial Center Branch
21182 State Route 410 E Bonney Lake WA
UNITED NATIONS
United Nations United Nations Branch
24-01 44th Road Long Island Cit NY
BOEING EMPLOYEES
Bonney Lake Neighborhood Financial Center Bonney Lake Neighborhood Financial Center Branch
21182 State Route 410 E Bonney Lake WA
AFFINITY
Affinity Affinity Branch
1860 Rt. 35 South Middletown NJ
XCEL
Xcel Federal Credit Union Xcel Federal Credit Union Branch
26 Federal Plz Ste 1702 New York NY
FOURLEAF
Bethpage Bethpage Branch
1633 Dutch Broadway Elmont NY
JOVIA FINANCIAL
Valley Stream Valley Stream Branch
264 E Merrick Rd Valley Stream NY
SIKORSKY FINANCIAL
Stationhouse Square Stationhouse Square Branch
2505 Main St Stratford CT
JUSTICE
Justice Justice Branch
290 Broadway 10th Floor New York NY
POLISH & SLAVIC
Polish & Slavic Polish & Slavic Branch
667 Chestnut St Union NJ
UNILEVER
Unilever Unilever Branch
800 Sylvan Ave Englewood Cliff NJ
PROPONENT
Branch 09 Branch 09
427 Bloomfield Ave Montclair NJ
SELFRELIANCE
Newark Branch Newark Branch
734 Sanford Ave Newark NJ
RARITAN BAY
Parlin Service Center Parlin Service Center Branch
502 Washington Rd Parlin NJ
TOGETHER
Newark Newark Branch
200 US Highway 1 and 9 Newark NJ
CFCU COMMUNITY
Cfcu Community Cfcu Community Branch
1001 West Tower, Ithaca College Ithaca NY
SPERRY ASSOCIATES
Sperry Associates Sperry Associates Branch
2400 JERICHO TPKE GARDEN CITY PAR NY
ISLAND
Island Island Branch
1 Metro Tech Center, 2nd Floor, Rm 02-41 Brooklyn NY
QSIDE
Qside Qside Branch
35-30 FRANCIS LEWIS BLVD FLUSHING NY
PEOPLE'S ALLIANCE
Brooklyn-atlantic Ave Brooklyn-atlantic Ave Branch
69 Atlantic Ave Brooklyn NY
JUSTICE
Justice Justice Branch
290 Broadway 10th Floor New York NY
PROPONENT
Branch 09 Branch 09
427 Bloomfield Ave Montclair NJ
THE ATLANTIC
The Atlantic The Atlantic Branch
37 Market Street Kenilworth NJ
UNITEDONE
Sheboygan Memorial Branch Sheboygan Memorial Branch
2629 N 7th St Sheboygan WI
ADVANCED FINANCIAL
Advanced Financial Advanced Financial Branch
575 raritan road roselle NJ
COUNTY EXCELLENCE
County Educators County Educators Branch
16 East Lincoln Ave. Roselle Park NJ
FAIRLEIGH DICKINSON UNIVERSITY
Teaneck Teaneck Branch
1000 River Rd Teaneck NJ
UNILEVER
Unilever Unilever Branch
800 Sylvan Ave Englewood Cliff NJ
SEAPORT
North Jersey Cu North Jersey Cu Branch
711 Union Blvd Totowa NJ
GREATER METRO
Greater Metro Greater Metro Branch
423 East 23rd Street New York NY
ADVANTAGE FINANCIAL
Dva Dva Branch
800 Poly place Room 1110 Brooklyn NY
MID AMERICAN
Overland Park Branch Overland Park Branch
9201 W 87th St Overland Park KS
CFCU COMMUNITY
Cfcu Community Cfcu Community Branch
1001 West Tower, Ithaca College Ithaca NY
QSIDE
Qside Qside Branch
35-30 FRANCIS LEWIS BLVD FLUSHING NY
SIGNET
Wickliffe Wickliffe Branch
451 Court St Wickliffe KY
SEAPORT
North Jersey Cu North Jersey Cu Branch
711 Union Blvd Totowa NJ
PINNACLE
Edison Branch Edison Branch
135 Raritan Center Pkwy Edison NJ
MIDWEST AMERICA
East Dupont East Dupont Branch
4140 E Dupont Rd Fort Wayne IN
NORTH JERSEY
Totowa Branch Totowa Branch
711 Union Blvd Totowa NJ
L'OREAL USA
Main Office Main Office Branch
30 Terminal Ave Clark NJ
PALISADES
Palisades Palisades Branch
300 NORTH MIDDLETOWN ROAD, SUITE 6 PEARL RIVER NY
PUBLIC SERVICE
Veterans Health Administration Branch Veterans Health Administration Branch
4646 John R St Detroit MI
PUBLIC SERVICE
Veterans Health Administration Branch Veterans Health Administration Branch
4646 John R St Detroit MI
GREATER ALLIANCE
Greater Alliance Greater Alliance Branch
40 West Century Road Paramus NJ
MOTION
E 53 E 53 Branch
1900 E Linden Avenue Linden NJ
UNITED POLES
United Poles United Poles Branch
412 NEW BRUNSWICK AVE PERTH AMBOY NJ
ASPIRE
Clark - New Jersey Clark - New Jersey Branch
67 Walnut Ave Clark NJ
RUTGERS
Branch 02-newark Branch 02-newark
249 University Ave Newark NJ


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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