# Arise Financial CD and share certificate rates

As of October 22, 2026, Arise Financial's highest tracked CD (share certificate) rate is 4.75% APY on a 36-month CD ($500 minimum). That is 3.4 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 2.00% to 4.75% APY.

Canonical page: https://apyledger.com/cd-rates/arise-financial
Institution: Rockland Federal Credit Union (NCUA 24224)
Aliases: Rockland Federal Credit Union, Rockland FCU, Arise Federal Credit Union
Status: live
Last verified: 2026-10-22T16:20:54.000Z (October 22, 2026)
Official source: https://www.rfcu.com/resources/information/rates/
Coverage: Arise Financial is the new name of Rockland Federal Credit Union. Membership required; personal accounts only, with a $500 minimum deposit. Includes standard and no-penalty certificates. Dividends compound monthly; early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 91 days | $500 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 5 months | $500 | 3.50% | Not ZIP-priced | −0.89% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 7 months | $500 | 2.00% | Not ZIP-priced | −2.43% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 9 months | $500 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 10 months | $500 | 3.85% | Not ZIP-priced | −0.66% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate - 10 Month No Penalty | standard | 10 months | $500 | 3.65% | Not ZIP-priced | −0.86% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 11 months | $500 | 2.00% | Not ZIP-priced | −2.54% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 12 months | $500 | 4.15% | Not ZIP-priced | −0.42% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 14 months | $500 | 4.10% | Not ZIP-priced | −0.52% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 15 months | $500 | 4.10% | Not ZIP-priced | −0.55% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 17 months | $500 | 3.85% | Not ZIP-priced | −0.84% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate - 17 Month No Penalty | standard | 17 months | $500 | 3.00% | Not ZIP-priced | −1.69% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 18 months | $500 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 20 months | $500 | 2.00% | Not ZIP-priced | −2.77% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 24 months | $500 | 4.50% | Not ZIP-priced | −0.37% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 36 months | $500 | 4.75% | Not ZIP-priced | −0.20% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |
| Share Certificate | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:20:54.000Z | [Snapshot 307](https://apyledger.com/snapshots/307) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.