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Credit union · NCUA insured

Buffalo Conrail Federal Credit Union CD Rates

Top Carrot, Carrot Score 93Top Carrot

Buffalo Conrail Federal Credit Union’s best CD rate is 3.85% APY on a 6-month share certificate (CD). Terms run from 6 months to 18 months. Rates checked October 16, 2026.

How Buffalo Conrail Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Buffalo, NY, where Buffalo Conrail Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 93

    This credit union’s best

    Buffalo Conrail Federal Credit Union

    3.85%APY

    Term
    6 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $191

    Share Certificates

  • Top rate

    HSBC USA

    4.60%APY

    Term
    24 months
    Requires
    Another account
    Minimum
    $1,000
    Earns on $10,000
    $941

    HSBC USA rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Ukrainian Federal Credit Union

    4.50%APY

    Term
    36 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $1,412

    Ukrainian Federal Credit Union rates

Compare CD rates near you →

Buffalo Conrail Federal Credit Union CD score

83

CD score

Higher than 62% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.85%
  • 9–15 months9–15 mo3.85%
  • 16–30 months16–30 mo3.85%
  • QualifiedQualified3.85%

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.

How the score works →

Where Buffalo Conrail 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.

Who can join Buffalo Conrail Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad, and Norfolk Southern are eligible for membership.
  • Members of other SEG groups are eligible for membership.

Family and household

  • Extended families of railroad employees, retirees, and other SEG groups are eligible for membership.

Other ways

  • Railroad retirees are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Buffalo Conrail Federal Credit Union overview