Credit union · NCUA insured
Advantage Financial Federal Credit Union CD Rates
Advantage Financial Federal Credit Union’s best CD rate is 2.79% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Advantage Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Advantage Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage Financial Federal Credit Union
2.69%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,419
Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Advantage Financial Federal Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.28%
- 16–30 months16–30 mo2.28%
- 31–60 months31–60 mo2.69%
- QualifiedQualified2.69%
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 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.
Certificates
Up to 2.69%APY · 6 terms
Dividends are fixed for the term of the certificate, declared, compounded and paid monthly based on average daily balance. Early withdrawal penalties may apply. No setup or maintenance fees.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 2.02% | — | 2.02% | $100 |
| 12 months | 2.28% | — | 2.28% | $228 |
| 24 months | 2.28% | — | 2.28% | $461 |
| 24 monthsBonus Certificate rate tier | — | 2.38% | —2.38% from $50k | — |
| 36 months | 2.28% | — | 2.28% | $700 |
| 36 monthsBonus Certificate rate tier | — | 2.38% | —2.38% from $50k | — |
| 48 months | 2.43% | — | 2.43% | $1,008 |
| 48 monthsBonus Certificate rate tier | — | 2.53% | —2.53% from $50k | — |
| 60 months | 2.69% | — | 2.69% | $1,419 |
| 60 monthsBonus Certificate rate tier | — | 2.79% | —2.79% from $50k | — |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 2.69%APY · 6 terms
Available as Traditional IRA, Roth IRA, and Coverdell ESA options. Dividends are fixed for the term of the certificate, declared, compounded and paid monthly based on average daily balance. Early withdrawals may be subject to certificate penalties and IRS penalties. Rollovers and transfers accepted. No setup or maintenance fees.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 2.02% | — | 2.02% | $100 |
| 12 months | 2.28% | — | 2.28% | $228 |
| 24 months | 2.28% | — | 2.28% | $461 |
| 24 monthsBonus Certificate rate tier | — | 2.38% | —2.38% from $50k | — |
| 36 months | 2.28% | — | 2.28% | $700 |
| 36 monthsBonus Certificate rate tier | — | 2.38% | —2.38% from $50k | — |
| 48 months | 2.43% | — | 2.43% | $1,008 |
| 48 monthsBonus Certificate rate tier | — | 2.53% | —2.53% from $50k | — |
| 60 months | 2.69% | — | 2.69% | $1,419 |
| 60 monthsBonus Certificate rate tier | — | 2.79% | —2.79% from $50k | — |
Sources (2)
All captured Oct 3, 2026
Who can join Advantage 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
- All individuals who live, work, worship, or go to school in Washington, D.C. are eligible for membership.
Military, government and schools
- Albany Stratton VA Medical Center, Albany, NY employees and contractors are eligible for membership.
- Members of American Legion Fort Orange Post 30 are eligible for membership.
- U.S. Veterans who are members of AmVets serviced at the Albany Stratton VA Medical Center are eligible for membership.
- U.S. Veterans who are members of AmVets serviced at VA Medical Center Brooklyn are eligible for membership.
- Members of Disabled American Veterans Marcelle-Nolan Chapter 158 are eligible for membership.
7 more ways to join
Military, government and schools
- Members of Disabled American Veterans Rev. Frances A. Kelley Chapter 38 are eligible for membership.
- Department of Defense civilian and military personnel at Fort Hamilton, Brooklyn, NY are eligible for membership.
- VA Regional Office, Albany, NY employees and contractors are eligible for membership.
- VA Medical Center Brooklyn, NY employees and contractors are eligible for membership.
- Department of Veterans Affairs (VA) Central Office employees and contractors are eligible for membership.
- VA Philadelphia Regional Benefit Office employees and contractors in Philadelphia, PA are eligible for membership.
Family and household
- Family members of existing Advantage Financial members (including spouse, children, parents, brothers, sisters, stepchildren, stepparents, grandchildren, grandparents, domestic partners) and individuals living in the same household are eligible to join.
Membership information collected October 4, 2026.