Credit union · NCUA insured
Circuit Federal Credit Union CD Rates
Top CarrotCircuit Federal Credit Union’s best CD rate is 1.97% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Circuit Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Circuit Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Circuit Federal Credit Union
1.97%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $197
Term Share 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
Circuit Federal Credit Union CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo1.76%
- 9–15 months9–15 mo1.97%
- 16–30 months16–30 mo1.76%
- 31–60 months31–60 mo1.26%
- QualifiedQualified1.97%
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 Circuit 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.
Term Share Accounts
Up to 1.97%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.76% | $88 |
| 12 months | 1.97% | $197 |
| 18 months | 1.76% | $265 |
| 24 months | 1.51% | $304 |
| 36 months | 1.26% | $383 |
| 48 months | 1.00% | $406 |
Sources (1)
- circuitfcu.com/rates/savings-rates · captured Sep 17, 2026
Who can join Circuit Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the Town of Cheektowaga.
- Membership is open to anyone who lives, works, worships, or attends school in Hamburg, Blasdell, Orchard Park, West Seneca, Depew, Lancaster, or Sloan.
Cost to join
- A minimum share of $25 is required in your account (along with being at least 16 years old) to vote at the annual membership meeting in accordance with bylaws.
Membership information collected October 5, 2026.