Credit union · NCUA insured
Alternatives Federal Credit Union CD Rates
Alternatives Federal Credit Union’s best CD rate is 3.04% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Alternatives Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Alternatives Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alternatives Federal Credit Union
3.04%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $75
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
Alternatives Federal Credit Union CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.04%
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 Alternatives 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.
Goal Getter Certificate
4.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 4.00% | $400 |
Sources (1)
- alternatives.org/rates · captured Sep 17, 2026
Share Certificates
3.04%APY · 7 terms
Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.04% | $75 |
| 6 months | 3.04% | $151 |
| 12 months | 3.04% | $304 |
| 24 months | 3.04% | $617 |
| 36 months | 3.04% | $940 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (3)
- alternatives.org/accounts/savi…tes/share-certificate-cd
- alternatives.org/rates
- alternatives.org/accounts/savings-certificates
All captured Sep 17, 2026
Lucky Savers Certificate
0.15%APY · 1 term
12-month certificate term. Restricted to one withdrawal in the 12-month period subject to a $25 early withdrawal penalty; more than one withdrawal closes account and forfeits prize entries/future prizes. If closed before maturity, all earned dividends will be forfeited. Each $25 deposit earns entry into prize drawings (up to 10 entries/month). Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.15% | $15 |
Sources (3)
- alternatives.org/accounts/savi…lucky-savers-certificate
- alternatives.org/rates
- alternatives.org/accounts/savings-certificates
All captured Sep 17, 2026
Who can join Alternatives Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.