Credit union · NCUA insured
Academic Federal Credit Union CD Rates
Academic Federal Credit Union’s best CD rate is 2.50% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Academic Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Academic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Academic Federal Credit Union
2.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $769
Traditional 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
Academic Federal Credit Union CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.40%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 Academic Federal Credit Union 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.
Traditional Share Certificate
Up to 2.50%APY · 4 terms
Opened with an initial deposit; no further deposits or withdrawals permitted. Any term share falling below minimum required balance is charged a 90-day dividend penalty and closed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 2.00% | $251 |
| 18 months | 2.20% | $332 |
| 24 months | 2.40% | $486 |
| 36 months | 2.50% | $769 |
Sources (1)
- academicfcu.org/savings · captured Oct 6, 2026
FLEX Share Certificate
Up to 2.00%APY · 2 terms
Deposit money into the account whenever you want without extending maturity date; can set up direct paycheck dispersion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 12 months | 2.00% | $200 |
Liquid Share Certificate
1.90%APY · 1 term
Deposit additional funds at any time for no fee; withdraw money once a month for no fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.90% | $190 |
Special-purpose accounts
IRA Term Share Accounts
Up to 2.70%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | $200 |
| 36 months | 2.50% | $769 |
| 60 months | 2.70% | $1,425 |
Who can join Academic Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees in the field of education (elementary, secondary, or post-secondary schools) within the Bronx, Brooklyn, Manhattan, Queens, Staten Island, Westchester County, and Rockland County.
- Persons retired as pensioners or annuitants from eligible education employment, as well as volunteers.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) or household members of eligible persons.
Other ways
- Spouses of persons who died while within the field of membership, and organizations of eligible persons.
Cost to join
- A $20.00 balance in a primary share account and at least one transaction per year are required to remain a member in good standing.
Membership information collected October 5, 2026.