Credit union · NCUA insured
Amherst Federal Credit Union CD Rates
Amherst Federal Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 1 year. Rates checked October 16, 2026.
How Amherst Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Amherst Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Amherst Federal Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $210
Term Share Certificates
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 4.25%APY · 2 terms
Minimum deposit $500.00. Rate is constant for the term of the certificate. Dividends credited quarterly and must be left on deposit to earn stated APY. Substantial penalties are applied if funds are withdrawn prior to maturity.
| Term | APY · Any balance | APY · $2,500 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsNew money only. Dividends credited quarterly and must be left on deposit to earn stated APY. Substantial early withdrawal penalties apply | — | 4.25% | 4.25% | $210 |
| 12 monthsDividends credited quarterly and must be left on deposit to earn stated APY. Substantial early withdrawal penalties apply | 3.50% | — | 3.50% | $350 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Term Share Certificates
Up to 4.25%APY · 2 terms
Applicable to regular, Roth, and Education IRA accounts. Minimum deposit $500.00. Rate is constant for the term of the certificate. Dividends credited quarterly and must be left on deposit to earn stated APY. Substantial penalties are applied to Term Share Certificates including IRA accounts if funds are withdrawn prior to maturity.
| Term | APY · Any balance | APY · $2,500 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsAvailable for regular, Roth, and Education IRA accounts. New money only. Dividends credited quarterly and must be left on deposit to earn stated APY. Substantial early withdrawal penalties apply | — | 4.25% | 4.25% | $210 |
| 12 monthsAvailable for regular, Roth, and Education IRA accounts. Dividends credited quarterly and must be left on deposit to earn stated APY. Substantial early withdrawal penalties apply | 3.50% | — | 3.50% | $350 |
Sources (2)
All captured Oct 5, 2026
Who can join Amherst 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
- Open to businesses and other legal entities located in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
- Open to persons who live, work, worship, or attend school in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
Employers and groups
- Open to employees of this credit union.
- Open to organizations of eligible persons.
Family and household
- Open to members of the immediate family or household of eligible persons.
- Open to spouses of persons who died while within the field of membership of this credit union.
1 more way to join
Other ways
- Open to volunteers in the community.
Membership information collected October 5, 2026.