Credit union · NCUA insured
1st Bergen FCU CD Rates
1st Bergen FCU’s best CD rate is 3.29% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How 1st Bergen FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where 1st Bergen FCU has the most branches. $10,000, best rate first.
This credit union’s best
1st Bergen FCU
3.29%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $1,757
Share Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
1st Bergen FCU CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo3.29%
- QualifiedQualified3.29%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Bergen FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.29%APY · 6 terms
Deposit up to $10,000 for a set period of time with interest deposited quarterly.
| Term | APY · Any balance | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.03% | — | 3.03% | $75 |
| 6 months | 2.78% | — | 2.78% | $138 |
| 12 months | — | 2.78% | 2.78% | $278 |
| 24 months | — | 2.02% | 2.02% | $408 |
| 36 months | — | 1.76% | 1.76% | $537 |
| 60 months | — | 3.29% | 3.29% | $1,757 |
Special-purpose accounts
Dream Builder Certificate
5.09%APY · 1 term
Special rate available for members 18 years or younger and participants in the Future Dream Club on or before 4/30/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsSpecial rate available for members 18 years or younger and participants in the Future Dream Club on or before 4/30/2026 | 5.09% | — |
Sources (1)
- 1stbergen.com/rates · captured Sep 19, 2026
Who can join 1st Bergen FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals and organizations who live, work, worship, volunteer, go to school, or primarily conduct business in Bergen County NJ.
Employers and groups
- People and organizations served by the Community Action Network, including Greater Bergen Community Action and OCEAN Inc., are eligible to join.
Family and household
- Immediate family members of current members are eligible to join 1st Bergen.
Cost to join
- An individual membership requires an initial deposit of $5.00.
Membership information collected October 5, 2026.