Credit union · NCUA insured
Alco Federal Credit Union CD Rates
Alco Federal Credit Union’s best CD rate is 3.50% APY on a 7-month share certificate (CD). Terms run from 6 months to 15 months. Rates checked October 16, 2026.
How Alco Federal Credit Union’s CD rates compare
Compared with banks and credit unions in New York, where Alco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alco Federal Credit Union
3.50%APY
- Term
- 7 months
- Minimum
- —
- Earns on $10,000
- $203
Regular Share Certificates
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Certificates
Up to 3.50%APY · 4 terms
All certificates have a minimum balance requirement of $500.00. The Board of Directors determines rates monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 7 monthsPromotional share certificate | 3.50% | $203 |
| 12 months | 1.50% | $150 |
| 15 monthsPromotional share certificate | 3.25% | $408 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA and Roth Share Certificates
Up to 2.00%APY · 2 terms
All certificates have a minimum balance requirement of $500.00. Dividends are posted at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.25% | $125 |
| 36 months | 2.00% | $612 |
Sources (2)
All captured Oct 16, 2026
Who can join Alco 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This may be incomplete or out of date, so check with the credit union before you apply.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, and business and other legal entities located in Allegany County, Cattaraugus County, Steuben County, and Wyoming County New York and McKean County and Potter County Pennsylvania are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
- Volunteers in the community are eligible for membership.
Membership information collected October 5, 2026.