Credit union · NCUA insured
Canandaigua FCU CD Rates
Top CarrotCanandaigua FCU’s best CD rate is 2.02% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Canandaigua FCU’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Canandaigua FCU has the most branches. $10,000, best rate first.
This credit union’s best
Canandaigua FCU
2.02%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $202
Special Rate: New Money
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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Rate: New Money
2.02%APY · 1 term
New money only
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNew money only | 2.02% | $202 |
Sources (1)
- canandaiguafcu.com/rates · captured Sep 17, 2026
Term Share Certificate
Up to 0.45%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFull Service Members | 0.05% | $1 |
| 6 monthsFull Service Members | 0.05% | $2 |
| 12 monthsFull Service Members | 0.10% | $10 |
| 24 monthsFull Service Members | 0.15% | $30 |
| 30 monthsFull Service Members | 0.20% | $50 |
| 36 monthsFull Service Members | 0.25% | $75 |
| 48 monthsFull Service Members | 0.35% | $141 |
| 60 monthsFull Service Members | 0.45% | $227 |
Buildable Term Shares
Up to 0.15%APY · 4 terms
Any amount of money, anytime!
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsFull | 0.05% | $4 |
| 12 monthsFull | 0.10% | $10 |
| 15 monthsFull | 0.10% | $13 |
| 24 monthsFull | 0.15% | $30 |
Sources (1)
- canandaiguafcu.com/rates · captured Sep 17, 2026
Precious Person CDs
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- canandaiguafcu.com/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 0.45%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFull Service Members | 0.05% | $1 |
| 6 monthsFull Service Members | 0.05% | $2 |
| 12 monthsFull Service Members | 0.10% | $10 |
| 24 monthsFull Service Members | 0.15% | $30 |
| 30 monthsFull Service Members | 0.20% | $50 |
| 36 monthsFull Service Members | 0.25% | $75 |
| 48 monthsFull Service Members | 0.35% | $141 |
| 60 monthsFull Service Members | 0.45% | $227 |
Who can join Canandaigua FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.