Credit union · NCUA insured
Affinity Federal Credit Union CD Rates
Top CarrotAffinity Federal Credit Union’s best CD rate is 5.50% APY on a 14-month share certificate (CD). Terms run from 8 months to 22 months. Rates checked October 15, 2026.
How Affinity Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Affinity Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Affinity Federal Credit Union
4.35%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $288
8-Month Promotional 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
Affinity Federal Credit Union CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.35%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.35%
- QualifiedQualified4.35%
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 Affinity 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.
14-Month New Money Promotional Certificate
5.50%APY · 1 term
Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-30. Open a new money promotional certificate at a branch or digital branch representative.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsNew money balances of $50,000 or more | 5.50% | — |
Sources (1)
- affinityfcu.com/personal-banki…ing/savings/certificates · captured Oct 4, 2026
8-Month New Money Promotional Certificate
5.50%APY · 1 term
Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-30. Open a new money promotional certificate at a branch or digital branch representative.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsNew money balances of $50,000 or more | 5.50% | — |
Sources (1)
- affinityfcu.com/personal-banki…ing/savings/certificates · captured Oct 4, 2026
14-Month Promotional Certificate
4.35%APY · 1 term
Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 12-month term.
| Term | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 14 monthsBalances between $50,000 and $99,999.99. Renewal: 12-month term at prevailing rate | — | 4.40% | — | —4.40% $50k–$100k | — |
| 14 monthsBalances between $500 and $49,999.99. Renewal: 12-month term at prevailing rate | 4.35% | — | — | 4.35% | $509 |
| 14 monthsBalances of $100,000 or more. Renewal: 12-month term at prevailing rate | — | — | 4.45% | —4.45% from $100k | — |
Sources (2)
All captured Oct 4, 2026
22-Month Promotional Certificate
4.35%APY · 1 term
Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 24-month term.
| Term | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 22 monthsBalances between $50,000 and $99,999.99. Renewal: 24-month term at prevailing rate | — | 4.40% | — | —4.40% $50k–$100k | — |
| 22 monthsBalances between $500 and $49,999.99. Renewal: 24-month term at prevailing rate | 4.35% | — | — | 4.35% | $812 |
| 22 monthsBalances of $100,000 or more. Renewal: 24-month term at prevailing rate | — | — | 4.45% | —4.45% from $100k | — |
Sources (2)
All captured Oct 4, 2026
8-Month Promotional Certificate
4.35%APY · 1 term
Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 6-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsBalances of $500 or more. Renewal: 6-month term at prevailing rate | 4.35% | $288 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificate Accounts
4.35%APY · 3 terms
Available to Affinity members only ($5 deposit to membership eligibility account required). Can be opened as Traditional or Roth IRA Certificate. $0 monthly maintenance fee with eStatements; $2 monthly fee for paper statements (waived first 45 days, for members 62+, 17 and under, Savvy Saver, and tenant accounts). Early withdrawal penalty applies (90 days dividends for term 1 year or less, up to 182 days dividends for term > 1 year; minimum 7 days simple interest if within 6 days). 10-day grace period at maturity. Automatically renews unless otherwise noted. No additional deposits after opening.
| Term | APY · $500 and up | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 8 months8-Month Promotional IRA Certificate. Automatically renews to a 6-month term at maturity at the rate in effect at renewal | 4.35% | — | — | — | 4.35% | $288 |
| 14 months14-Month Promotional IRA Certificate. Automatically renews to a 12-month term at maturity at the rate in effect at renewal | — | 4.35% | 4.40% | 4.45% | 4.35%4.40% $50k–$100k4.45% from $100k | $509 |
| 22 months22-Month Promotional IRA Certificate. Automatically renews to a 24-month certificate at maturity at the rate in effect at renewal | — | 4.35% | 4.40% | 4.45% | 4.35%4.40% $50k–$100k4.45% from $100k | $812 |
Sources (2)
All captured Oct 4, 2026
Who can join Affinity Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.