Quorum Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Quorum Federal Credit Union's highest tracked CD (share certificate) rate is 5.00% APY on a 48-month CD ($100 minimum). That is 3.8 times the FDIC national average for 48-month CDs (1.31%). Standard CD rates range from 1.75% to 5.00% APY.
Tracking began .
Quorum Federal Credit Union CD & share certificate rates
Membership required. Fixed-rate term accounts (certificates) from 3 to 60 months with a $100 minimum deposit; dividends compound and are paid monthly. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 3 months | 3-Month Term Account | 1.75%Top 71% · $10k reference sampleVerified October 22, 2026 |
| 6 months | 6-Month Term Account | 4.40%Top 4% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 12-Month Term Account | 4.50%Top 6% · $10k reference sampleVerified October 22, 2026 |
| 18 months | 18-Month Term Account | 4.00%Top 34% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 24-Month Term Account | 4.00%Top 28% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36-Month Term Account | 4.90%Top 1% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 48-Month Term Account | 5.00%Top 1% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 60-Month Term Account | 5.00%Top 2% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Quorum Federal Credit Union's best CD rates by term?
Quorum Federal Credit Union's best rate is 5.00% APY on 48 months, verified October 22, 2026.
- 3 mo1.75%
- 6 mo4.40%
- 12 mo4.50%
- 18 mo4.00%
- 24 mo4.00%
- 36 mo4.90%
- 48 mo5.00%
- 60 mo5.00%
How much interest could a Quorum Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,155.06 interest · $12,155.06 at maturity on $10,000.00.
5.00% APY · 48 months · 48-Month Term Account · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $21.671.75% APY · 3-Month Term Account · Standard | $43.351.75% APY · 3-Month Term Account · Standard | $108.371.75% APY · 3-Month Term Account · Standard | $216.731.75% APY · 3-Month Term Account · Standard |
| 6 months | $109.124.40% APY · 6-Month Term Account · Standard | $218.234.40% APY · 6-Month Term Account · Standard | $545.594.40% APY · 6-Month Term Account · Standard | $1,091.174.40% APY · 6-Month Term Account · Standard |
| 12 months | $225.004.50% APY · 12-Month Term Account · Standard | $450.004.50% APY · 12-Month Term Account · Standard | $1,125.004.50% APY · 12-Month Term Account · Standard | $2,250.004.50% APY · 12-Month Term Account · Standard |
| 18 months | $303.274.00% APY · 18-Month Term Account · Standard | $606.534.00% APY · 18-Month Term Account · Standard | $1,516.334.00% APY · 18-Month Term Account · Standard | $3,032.654.00% APY · 18-Month Term Account · Standard |
| 24 months | $408.004.00% APY · 24-Month Term Account · Standard | $816.004.00% APY · 24-Month Term Account · Standard | $2,040.004.00% APY · 24-Month Term Account · Standard | $4,080.004.00% APY · 24-Month Term Account · Standard |
| 36 months | $771.604.90% APY · 36-Month Term Account · Standard | $1,543.214.90% APY · 36-Month Term Account · Standard | $3,858.024.90% APY · 36-Month Term Account · Standard | $7,716.034.90% APY · 36-Month Term Account · Standard |
| 48 months | $1,077.535.00% APY · 48-Month Term Account · Standard | $2,155.065.00% APY · 48-Month Term Account · Standard | $5,387.665.00% APY · 48-Month Term Account · Standard | $10,775.315.00% APY · 48-Month Term Account · Standard |
| 60 months | $1,381.415.00% APY · 60-Month Term Account · Standard | $2,762.825.00% APY · 60-Month Term Account · Standard | $6,907.045.00% APY · 60-Month Term Account · Standard | $13,814.085.00% APY · 60-Month Term Account · Standard |
How Quorum Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1460-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 187 tracked institutions with fresh 1460-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Quorum Federal Credit Union (this institution) (highest tracked APY for this term)48-Month Term Account · Standard | 48 months | $100 | Coverage: NY | 5.00% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 48 months | $10,000 | Nationwide; check eligibility | 4.95% | October 22, 2026 |
| Barclays48 Month CD · Standard | 48 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Marcus by Goldman SachsHigh-Yield CD · Standard | 48 months | $500 | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 48 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.98% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Quorum Federal Credit Union on October 22, 2026.
About Quorum Federal Credit Union
- Legal name
- Quorum Federal Credit Union
- Regulator ID
- NCUA 22769
- Headquarters
- Purchase, NY
- Available in
- NY
- Total assets
- $1.4 billion
- Also known as
- Website
- www.quorumfcu.org
Source: rates read from https://www.quorumfcu.org/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Quorum Federal Credit Union?
Among the rates we track, 5.00% APY on a 48-month CD, as of October 22, 2026.
What is the minimum deposit for a Quorum Federal Credit Union CD?
The lowest minimum we found is $100.
How does Quorum Federal Credit Union's best CD rate compare with Treasury yields?
5.00% APY is +0.02% versus the 48-month Treasury yield of 4.98% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 5.00% a good CD rate?
It is 3.8 times the FDIC national average for a similar term (1.31% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Quorum Federal Credit Union CDs insured?
Quorum Federal Credit Union is a federally insured credit union (NCUA 22769). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Quorum Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Quorum Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Quorum Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Quorum Federal Credit Union before opening an account. This page is not financial advice.