Credit union · NCUA insured
Chen-Del-O Federal Credit Union CD Rates
Chen-Del-O Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Chen-Del-O Federal Credit Union’s CD rates compare
Compared with banks and credit unions in New York, where Chen-Del-O Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chen-Del-O Federal Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $375
Certificate
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Chen-Del-O Federal Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.75%
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 Chen-Del-O 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.
Certificate
Up to 3.75%APY · 5 terms
Minimum balance requirement: $500. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 month term. Early withdrawal penalty: 30 days loss of dividends | 3.50% | $173 |
| 12 months12 month term. Early withdrawal penalty: 60 days loss of dividends | 3.75% | $375 |
| 18 months18 month term. Early withdrawal penalty: 60 days loss of dividends | 3.65% | $552 |
| 24 months24 month term. Early withdrawal penalty: 90 days loss of dividends | 3.60% | $733 |
| 36 months36 month term. Early withdrawal penalty: 120 days loss of dividends | 3.00% | $927 |
Sources (1)
- chendelo.org/certificates.php · captured Sep 17, 2026
Who can join Chen-Del-O Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.