Credit union · NCUA insured
Affinity One Federal Credit Union CD Rates
Affinity One Federal Credit Union’s best CD rate is 3.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Affinity One Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Jamestown, NY, where Affinity One Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Affinity One Federal Credit Union
3.00%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $300
12 Month CD Special
Top rate
Lake Shore Bank
4.44%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $673
2nd-highest rate
Centra Credit Union
4.35%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $288
Affinity One Federal Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- 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 Affinity One 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.
12 Month CD Special
3.00%APY · 1 term
Promotional certificate. Subject to end at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPromo only. Minimum deposit of $5,000 required (note: page 17 line 24 also references $1,000 minimum). Subject to end at any time without notice | 3.00% | $300 |
Sources (2)
All captured Sep 17, 2026
Term Share Certificates
2.50%APY · 6 terms
Minimum deposit of $1,000 for standard CD. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 2.50% | $124 |
| 12–23 months | 2.50% | $250 |
| 24–35 months | 2.50% | $506 |
| 36–47 months | 2.50% | $769 |
| 48–59 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Sep 17, 2026
Who can join Affinity One 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This may be incomplete or out of date, so check with the credit union before you apply.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 the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Employers and groups
- Businesses and other legal entities located in the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Family and household
- Immediate family members (defined as husband, wife, mother, father, brother, sister, child, stepchild, grandchild, and grandparent) of someone from a qualifying group are eligible for membership.
Cost to join
- Opening a membership or account requires a $25 minimum opening deposit.
Membership information collected October 5, 2026.