Teachers Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Teachers Federal Credit Union's best CD rate for ZIP 11788 (Hauppauge, NY) is 4.50% APY on a 22-month special CD ($1,000 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%). Rates vary by location — from 4.50% to 4.50% APY across the 2 ZIP codes we checked. Standard CD rates are 2.50%–4.00% APY in every ZIP we checked.
Tracking began .
Rates by location
Teachers Federal Credit Union prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
| Location | ZIP | Best term | Best APY |
|---|---|---|---|
| Hauppauge, NY | 11788 | 22 months | 4.50% |
| Tampa, FL | 33602 | 22 months | 4.50% |
Teachers Federal Credit Union CD & share certificate rates in Hauppauge, NY
Rates vary by the primary account address and ZIP code. Quotes below are for the ZIP codes checked; membership is required.
| Term | Product | APY |
|---|---|---|
| 1 month | Jumbo Certificate | 2.50%Verified October 22, 2026 |
| 2 months | Jumbo Certificate | 2.50%Verified October 22, 2026 |
| 3 months | Certificate | 3.25%Verified October 22, 2026 |
| 3 months | Jumbo Certificate | 3.25%Verified October 22, 2026 |
| 6 months | Certificate | 3.50%Verified October 22, 2026 |
| 6 months | Jumbo Certificate | 3.50%Verified October 22, 2026 |
| 8 months | Jumbo Certificate | 3.75%Verified October 22, 2026 |
| 9 months | Certificate | 3.75%Verified October 22, 2026 |
| 12 months | Certificate | 4.00%Verified October 22, 2026 |
| 12 months | Jumbo Certificate | 4.00%Verified October 22, 2026 |
| 13 months | Certificate | 3.75%Verified October 22, 2026 |
| 15 months | Certificate | 3.25%Verified October 22, 2026 |
| 16 months | Certificate | 3.25%Verified October 22, 2026 |
| 16 months | Jumbo Certificate | 3.00%Verified October 22, 2026 |
| 18 months | Certificate | 3.25%Verified October 22, 2026 |
| 22 months | Certificate Special | 4.50%Verified October 22, 2026 |
| 24 months | Certificate | 3.50%Verified October 22, 2026 |
| 30 months | Certificate | 3.00%Verified October 22, 2026 |
| 36 months | Certificate | 3.00%Verified October 22, 2026 |
| 48 months | Certificate | 3.00%Verified October 22, 2026 |
| 60 months | Certificate | 3.00%Verified 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.
Rates that are the same in every ZIP
19 of Teachers Federal Credit Union's CD rates were identical in all 2 ZIP codes we checked, ranging from 2.50% to 4.50% APY.
What are Teachers Federal Credit Union's best CD rates by term?
Teachers Federal Credit Union's best rate for ZIP 11788 is 4.50% APY on 22 months, verified October 22, 2026.
- 1 mo2.50%
- 2 mo2.50%
- 3 mo3.25%
- 6 mo3.50%
- 8 mo3.75%
- 9 mo3.75%
- 12 mo4.00%
- 13 mo3.75%
- 15 mo3.25%
- 16 mo3.25%
- 18 mo3.25%
- 22 mo4.50%
- 24 mo3.50%
- 30 mo3.00%
- 36 mo3.00%
- 48 mo3.00%
- 60 mo3.00%
How Teachers Federal Credit Union compares
- Best 2-year rate among the institutions we track: Popular Direct at 4.80% APY.
- Popular Direct: best 5.00% APY on 60 months.
- Barclays: best 4.75% APY on 24 months.
- Sallie Mae Bank: best 4.75% APY on 60 months.
- 2-year Treasury: 4.82% APY-equivalent.
Rate changes
No changes since we started tracking Teachers Federal Credit Union on October 22, 2026.
About Teachers Federal Credit Union
- Legal name
- Teachers Federal Credit Union
- Regulator ID
- NCUA 8116
- Headquarters
- Hauppauge, NY
- Available in
- NY, FL
- Also known as
- Teachers FCU
- Website
- www.teachersfcu.org
Source: rates read from https://www.teachersfcu.org/rates?field_rate_target_id=143. See the page text we read.
Frequently asked questions
What is the highest CD rate at Teachers Federal Credit Union?
4.50% APY on a 22-month special CD for ZIP 11788, as of October 22, 2026.
What is the minimum deposit for a Teachers Federal Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
Do Teachers Federal Credit Union CD rates depend on where you live?
Yes. Promotional rates differ by ZIP code: across the 2 ZIP codes we checked, the best rate ranged from 4.50% (Tampa, FL) to 4.50% (Hauppauge, NY).
How does Teachers Federal Credit Union's best CD rate compare with Treasury yields?
4.50% APY is −0.32% versus the 22-month Treasury yield of 4.82% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.55% 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 Teachers Federal Credit Union CDs insured?
Teachers Federal Credit Union is a federally insured credit union (NCUA 8116). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Teachers 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 Teachers 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 Teachers Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Teachers Federal Credit Union before opening an account. This page is not financial advice.