New York

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Credit Union CD Rates Valley Stream, New York

You are viewing rates from credit unions across Valley Stream

 

Below are the best one year CD Rates from credit unions in Valley Stream, New York. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Valley Stream, NY - July 6, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 5.15% → 5.20% → 4.30% → 4.25% → 4.40%

Rate History: 4.60% → 4.25% → 4.15%

| Jun 12, 2017

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

Rate History: 4.86% → 5.00% → 4.34% → 4.08%

Rate History: 4.85% → 4.75% → 4.35% → 4.15% → 4.05%

| 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: 4.50% → 3.50% → 4.20% → 4.50% → 4.00%

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

| Sep 4, 2019

BETHPAGE CREDIT UNION IS THE BEST.. Read More

Rate History: 4.75% → 4.50% → 3.75%

Rate History: 4.22% → 4.06% → 4.32% → 4.06% → 3.75%

Rate History: 3.85% → 3.30%

Rate History: 3.04% → 4.59% → 3.04%

Rate History: 4.30% → 3.00% → 2.80% → 2.90% → 2.80%

Rate History: 5.00% → 12.00%

| 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

Rate History: 2.00% → 1.75%

| 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

0.72%

$10,000

15.66

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0.70%

$10,000

16.57

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0.65%

$10,000

15.11

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0.65%

$10,000

5.41

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0.60%

$100,000

16.26

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0.55%

$100,000

16.29

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0.50%

$10,000

16.26

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0.50%

$10,000

4.16

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0.50%

$100,000

7.55

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0.45%

$10,000

16.29

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0.45%

$500

15.17

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0.40%

$10,000

17.71

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0.30%

$10,000

7.55

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Edu


Restrictions

0.10%

$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 Valley Stream, NY - July 6, 2025


Branch Street City State
US Alliance
American Express American Express Branch
200 Vesey St World Financial Ctr New York NY
AMERICAN AIRLINES
Aafcu - Lga Aafcu - Lga Branch
LaGuardia Airport Hangar 3 Room 122 Flushing NY
SUMA
Palisade Branch Palisade Branch
301 Palisade Ave Yonkers NY
NAVY FEDERAL CREDIT UNION
Merchant Marine Academy Merchant Marine Academy Branch
300 Steamboat Rd Kings Point NY
XCEL
Xcel Federal Credit Union Xcel Federal Credit Union Branch
26 Federal Plz Ste 1702 New York NY
BETHPAGE
Bethpage Bethpage Branch
1633 Dutch Broadway Elmont NY
NAVY FEDERAL CREDIT UNION
Merchant Marine Academy Merchant Marine Academy Branch
300 Steamboat Rd Kings Point NY
AMERICAN AIRLINES
Aafcu - Lga Aafcu - Lga Branch
LaGuardia Airport Hangar 3 Room 122 Flushing NY
TEACHERS
Huntington Huntington Branch
211 E Main St Huntington NY
UKRAINIAN NATIONAL
Ukrainian National Ukrainian National Branch
215 SECOND AVENUE NEW YORK NY
EMPOWER
Purchase Purchase Branch
100 Manhattanville Rd Purchase NY
MUNICIPAL
Municipal Municipal Branch
22 CORTLANDT STREET NEW YORK NY
UNITED NATIONS
United Nations United Nations Branch
24-01 44th Road Long Island Cit NY
QUORUM
Quorum Fcu Headquarters Quorum Fcu Headquarters Branch
2500 Westchester Ave, Suite 113 Purchase NY
JOVIA FINANCIAL
Valley Stream Valley Stream Branch
264 E Merrick Rd Valley Stream NY
POLISH & SLAVIC
Boro Park Branch Boro Park Branch
1260 60th St Brooklyn NY
POLISH & SLAVIC
Boro Park Branch Boro Park Branch
1260 60th St Brooklyn NY
SUFFOLK
Suffolk Suffolk Branch
50-110 Rt. 109, (Shop-Rite Center) West Babylon NY
POLISH & SLAVIC
Boro Park Branch Boro Park Branch
1260 60th St Brooklyn NY
PEOPLE'S ALLIANCE
Brooklyn-atlantic Ave Brooklyn-atlantic Ave Branch
69 Atlantic Ave Brooklyn NY
ISLAND
Island Island Branch
1 Metro Tech Center, 2nd Floor, Rm 02-41 Brooklyn NY
GEICO
Woodbury Woodbury Branch
750 Woodbury Rd Woodbury NY
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
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
NASSAU FINANCIAL
Nassau Financial Nassau Financial Branch
2995 Long Beach Road Oceanside NY
QSIDE
Qside Qside Branch
35-30 FRANCIS LEWIS BLVD FLUSHING NY
CFCU COMMUNITY
Cfcu Community Cfcu Community Branch
1001 West Tower, Ithaca College Ithaca NY
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
QSIDE
Qside Qside Branch
35-30 FRANCIS LEWIS BLVD FLUSHING 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 One-Year 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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

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 1-year 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 time deposit is 3 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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, 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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