Credit union · NCUA insured
Adirondack Federal Credit Union CD Rates
Adirondack Federal Credit Union’s best CD rate is 3.00% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Adirondack Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Massena, NY, where Adirondack Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Adirondack Federal Credit Union
3.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $300
New Money Share Certificate Special
Top rate
Massena Savings & Loan Association
4.90%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,543
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
Adirondack Federal Credit Union CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.05%
- 31–60 months31–60 mo1.65%
- QualifiedQualified3.00%
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 Adirondack 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.
New Money Share Certificate Special
3.00%APY · 1 term
Valid for new funds not currently held at AFCU. $5,000 minimum balance requirement. Penalties may apply for early withdrawals. Existing share balances cannot be used. Rollovers occur at the one-year share certificate rate in effect as of the rollover date. Membership eligibility required. Offer ends 11/31/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsValid for new funds only. Offer ends 11/31/26 | 3.00% | $300 |
Sources (1)
- adkcreditunion.com/events/new-…hare-certificate-special · captured Oct 5, 2026
Share Certificates
Up to 2.50%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.50% | $250 |
| 24 months | 2.05% | $414 |
| 36 months | 1.65% | $503 |
| 60 months | 1.25% | $641 |
Sources (1)
- adkcreditunion.com/savings/share-certificates · captured Oct 5, 2026
Who can join Adirondack Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Clinton, Essex, Franklin, or select towns in St. Lawrence County, NY are eligible to join.
Family and household
- Immediate family members of individuals qualifying under the geographic field of membership are eligible to join.
Membership information collected October 5, 2026.