Credit union · NCUA insured
Cadets Federal Credit Union CD Rates
Cadets Federal Credit Union’s best CD rate is 4.06% APY on a 4-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Cadets Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Cadets Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cadets Federal Credit Union
3.80%APY
- Term
- 48 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,610
Share Certificate Accounts
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
Cadets Federal Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.68%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 Cadets 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 Certificate Accounts
Up to 3.80%APY · 6 terms
Dividends are compounded quarterly and credited quarterly (or at maturity). Penalties may be imposed for early withdrawal. Rates calculated using average daily balance.
| Term | APY · $1,000 – $49,999 | APY · $1,000 – $50,000 | APY · $50,000 – $99,999 | APY · $100,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months4-Month Penalty for Early Withdrawal | 3.55% | — | 3.68% | 3.80% | 3.55%3.68% $50k–$100k3.80% $100k–$250k | $355 |
| 18 months4-Month Penalty for Early Withdrawal | — | 3.55% | 3.68% | 3.80% | 3.55%3.68% $50k–$100k3.80% $100k–$250k | $537 |
| 24 months6-Month Penalty for Early Withdrawal | — | 3.68% | 3.80% | 3.93% | 3.68%3.80% $50k–$100k3.93% $100k–$250k | $749 |
| 36 months9-Month Penalty for Early Withdrawal | — | 3.68% | 3.80% | 3.93% | 3.68%3.80% $50k–$100k3.93% $100k–$250k | $1,144 |
| 48 months9-Month Penalty for Early Withdrawal | — | 3.80% | 3.93% | 4.06% | 3.80%3.93% $50k–$100k4.06% $100k–$250k | $1,610 |
| 60 months9-Month Penalty for Early Withdrawal | — | 3.80% | 3.93% | 4.06% | 3.80%3.93% $50k–$100k4.06% $100k–$250k | $2,052 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate Accounts
Up to 3.80%APY · 6 terms
IRA certificates based on Share Certificate schedule. Dividends are compounded quarterly and credited quarterly (or at maturity). Penalties may be imposed for early withdrawal. Rates calculated using average daily balance.
| Term | APY · $1,000 – $49,999 | APY · $1,000 – $50,000 | APY · $50,000 – $99,999 | APY · $100,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months4-Month Penalty for Early Withdrawal | 3.55% | — | 3.68% | 3.80% | 3.55%3.68% $50k–$100k3.80% $100k–$250k | $355 |
| 18 months4-Month Penalty for Early Withdrawal | — | 3.55% | 3.68% | 3.80% | 3.55%3.68% $50k–$100k3.80% $100k–$250k | $537 |
| 24 months6-Month Penalty for Early Withdrawal | — | 3.68% | 3.80% | 3.93% | 3.68%3.80% $50k–$100k3.93% $100k–$250k | $749 |
| 36 months9-Month Penalty for Early Withdrawal | — | 3.68% | 3.80% | 3.93% | 3.68%3.80% $50k–$100k3.93% $100k–$250k | $1,144 |
| 48 months9-Month Penalty for Early Withdrawal | — | 3.80% | 3.93% | 4.06% | 3.80%3.93% $50k–$100k4.06% $100k–$250k | $1,610 |
| 60 months9-Month Penalty for Early Withdrawal | — | 3.80% | 3.93% | 4.06% | 3.80%3.93% $50k–$100k4.06% $100k–$250k | $2,052 |
Sources (2)
All captured Oct 5, 2026
Who can join Cadets Federal Credit Union
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