Credit union · NCUA insured
B-M S Federal Credit Union CD Rates
Top CarrotB-M S Federal Credit Union’s best CD rate is 4.28% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How B-M S Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Trenton, NJ, where B-M S Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
B-M S Federal Credit Union
4.28%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,331
Share Certificates
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
First Commerce Bank
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
B-M S Federal Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.01%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo4.12%
- 31–60 months31–60 mo4.28%
- QualifiedQualified4.28%
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 B-M S 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.
Share Certificates
Up to 4.28%APY · 5 terms
Early withdrawal fee if access to funds needed. $1,000 minimum balance to open account. Transaction limitations apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.01% | $199 |
| 12 months | 4.01% | $401 |
| 24 months | 4.12% | $841 |
| 36 months | 4.17% | $1,304 |
| 60 months | 4.28% | $2,331 |
Who can join B-M S Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.