Credit union · NCUA insured
Advantage Federal Credit Union CD Rates
Advantage Federal Credit Union’s best CD rate is 3.90% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Advantage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Advantage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage Federal Credit Union
3.90%APY
- Term
- 18–23 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- —
Term Share Certificates
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Advantage Federal Credit Union CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo0.25%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo0.25%
- QualifiedQualified3.90%
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 Advantage 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.
Term Share Certificates
Up to 3.90%APY · 8 terms
Multiple terms ranging from 6 to 60 months. Membership subject to eligibility. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsDividends paid at maturity | 3.60% | $178 |
| 12–17 monthsDividends paid quarterly | 0.25% | $25 |
| 18–23 monthsDividends paid quarterly | 3.90% | $591 |
| 24–29 monthsDividends paid quarterly | 0.25% | $50 |
| 30–35 monthsDividends paid quarterly | 0.25% | $63 |
| 36–47 monthsDividends paid quarterly | 0.25% | $75 |
| 48 monthsDividends paid quarterly | 0.25% | $100 |
| 60 monthsDividends paid quarterly | 0.25% | $126 |
Special-purpose accounts
Term Share & IRA Certificate Specials
4.25%APY · 1 term
New money only: not on deposit within the last 30 days. Share certificate equivalent to CD. Membership subject to eligibility. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7–24 monthsChoose Your Term: 7-24 Months. Dividends paid quarterly. New money only (not on deposit within the last 30 days) | 4.25% | $246 |
Sources (1)
- advantagefcu.org/rates · captured Oct 16, 2026
Youth Share Certificate
4.00%APY on $10,000
Must be 25 years or younger. Primary Savings with $5 minimum required. Add-ons allowed: members may deposit into certificate at any time. Term: 1 year, automatically renewed yearly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 3.94% |
| $10,000 and up | 1.00% |
On $10,000 the tiers blend to about 4.00% APY, earning $400 a year.
Term IRA Certificates
Up to 3.90%APY · 8 terms
Individual Retirement Account certificates. Terms ranging from 6 to 60 months. Membership subject to eligibility. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsDividends paid at maturity. New money only. Funds on deposit within the last 30 days will be considered new money | 3.60% | $178 |
| 12–17 monthsDividends paid quarterly. New money only. Funds on deposit within the last 30 days will be considered new money | 0.35% | $35 |
| 18–23 monthsDividends paid quarterly. New money only. Funds on deposit within the last 30 days will be considered new money | 3.90% | $591 |
| 24–29 monthsDividends paid quarterly. New money only. Funds on deposit within the last 30 days will be considered new money | 0.45% | $90 |
| 30–35 monthsDividends paid quarterly. New money only. Funds on deposit within the last 30 days will be considered new money | 0.45% | $113 |
| 36–47 monthsDividends paid quarterly. New money only. Funds on deposit within the last 30 days will be considered new money | 0.45% | $136 |
| 48–59 monthsDividends paid quarterly. New money only. Funds on deposit within the last 30 days will be considered new money | 0.45% | $181 |
| 60 monthsDividends paid quarterly. New money only. Funds on deposit within the last 30 days will be considered new money | 0.45% | $227 |
Who can join Advantage 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 individuals who live, work, worship, volunteer, or attend school in the City of Rochester (zip codes 14604–14616, 14619–14621, 14627, 14649, or 14652).
Employers and groups
- Membership is open to employees, retirees, and volunteers of Advantage Select Employer Groups.
Military, government and schools
- Membership is open to any public, private, or parochial school, university, or college in Monroe County not currently served by a credit union.
Family and household
- Membership is open to immediate family members and household members of individuals who are eligible for membership.
Cost to join
- Membership requires purchasing and maintaining one membership share with a par value of $5.00.
Membership information collected October 5, 2026.