Best credit union CD rates in New York
Justice Federal Credit Union has the highest APY in this tracked sample of 18 institutions: 5.35% APY for 9 months, verified October 22, 2026.
These institutions list New York in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Justice Federal Credit Union | 9 months9-Month Special Certificate · Relationship | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 Source text |
| Empower Federal Credit Union | 6 monthsShare Certificate · Standard | $500 | Membership required · branches in NY | 5.00% | October 22, 2026 Source text |
| Quorum Federal Credit Union | 48 months48-Month Term Account · Standard | $100 | Membership required · branches in NY | 5.00% | October 22, 2026 Source text |
| The Summit Federal Credit Union | 12 monthsJumbo Certificate · Standard | $75,000 | Membership required · branches in NY | 4.60% | October 22, 2026 Source text |
| AmeriCU Credit Union | 3 months3 Month Certificate · Standard | $50 | Membership required · branches in NY | 4.50% | October 22, 2026 Source text |
| Teachers Federal Credit Union | 22 monthsCertificate · Special | $1,000 | Hauppauge, NY · ZIP 11788 | 4.50% | October 22, 2026 Source text |
| USALLIANCE Financial | 12 months12 Month Rate Special Certificate · Promotional | $500 | Membership required · branches in CT, MA, NY | 4.50% | October 22, 2026 Source text |
| Centra Credit Union | 8 monthsShare Certificate · Relationship | $500 | Membership required · branches in IN, NC, NY | 4.35% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Membership required · branches in 33 states | 4.35% | October 22, 2026 Source text |
| Sunmark Credit Union | 6 monthsRegular Share Certificate · Standard | $500 | Membership required · branches in NY | 4.25% | October 22, 2026 Source text |
| Fourleaf Federal Credit Union | 60 months60 Month Certificate · Standard | $50 | Membership required · branches in MD, NJ, NY | 4.15% | October 22, 2026 Source text |
| Mid-Hudson Valley Federal Credit Union | 15 monthsCertificate · Standard | $500 | Membership required · branches in NY | 4.15% | October 22, 2026 Source text |
| ESL Federal Credit Union | 210 daysJumbo Certificate · Standard | $100,000 | Membership required · branches in NY | 4.00% | October 22, 2026 Source text |
| North Country Federal Credit Union | 6 months6-Month Certificate · Standard | $250 | Membership required · branches in NY, VT | 4.00% | October 22, 2026 Source text |
| Visions Federal Credit Union | 24 months24-Month Share Certificate · Standard | $500 | Membership required · branches in NJ, NY, PA | 4.00% | October 22, 2026 Source text |
| Beginnings Credit Union | 6 monthsCertificate · Standard | $100,000 | Membership required · branches in NY | 3.75% | October 22, 2026 Source text |
| Kinecta Federal Credit Union | 60 monthsJumbo Certificate · Standard | $100,000 | Membership required · branches in CA, NY | 3.70% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
Other New York institutions we don't verify yet
These banks and credit unions serve New York, but we do not publish their rates, so they are not ranked above. Check their current rates on their own websites.
- Bank OZK Bank · HQ Little Rock, AR We have not found a complete CD rate table on its website that we can verify daily. Checked October 22, 2026. Current rates on www.ozk.com
- Citibank Bank · HQ Sioux Falls, SD Its website blocks automated access, so we cannot verify its rates daily. Checked October 22, 2026. Current rates on www.citi.com
Compare with public benchmarks
The highest tracked quote is 5.35% APY for 9 months. The Treasury APY-equivalent for a similar term is 4.48% (2026-10-21). The FDIC national average for a similar term is 1.39% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Justice Federal Credit Union has the highest APY in this tracked sample of 18 institutions: 5.35% APY for 9 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes