Credit union · NCUA insured
Advanced Financial Federal Credit Union CD Rates
Advanced Financial Federal Credit Union’s best CD rate is 3.61% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 4, 2026.
How Advanced Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Advanced Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advanced Financial Federal Credit Union
3.61%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $361
Share Certificates
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
Advanced Financial Federal Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.61%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.61%
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 Advanced Financial 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.
Share Certificates
Up to 3.61%APY · 6 terms
Early withdrawal penalty is 90 days' (3 months') dividends. Dividends calculated and posted monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
| 12 months | 3.61% | $361 |
| 24 months | 3.30% | $671 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
Special-purpose accounts
IRA Certificate Accounts
Up to 3.61%APY · 6 terms
Available as Traditional or Roth IRA Certificate Accounts. Early withdrawal penalty for all terms is 90 days' dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional IRA | 3.45% | $171 |
| 12 monthsTraditional or Roth IRA | 3.61% | $361 |
| 24 monthsTraditional or Roth IRA | 3.30% | $671 |
| 36 monthsTraditional or Roth IRA | 3.30% | $1,023 |
| 48 monthsTraditional or Roth IRA | 3.30% | $1,387 |
| 60 monthsTraditional or Roth IRA | 3.30% | $1,763 |
Who can join Advanced Financial 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, attends school, or worships in Union and Essex counties, New Jersey.
Employers and groups
- Businesses, legal entities, or unincorporated organizations of members located in Essex or Union County are eligible for membership.
Family and household
- Membership is open to immediate family members (spouse, children, parents, siblings, grandparents, grandkids, stepparents, stepchildren, stepsiblings, and adoptive relationships) and household members sharing an address with eligible individuals.
Cost to join
- A minimum deposit of $5.00 is required to open a Primary Savings account to establish membership.
Membership information collected October 5, 2026.