Credit union · NCUA insured
Community Financial Services CD Rates
Community Financial Services’s best CD rate is 4.07% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How Community Financial Services’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Community Financial Services has the most branches. $10,000, best rate first.
This credit union’s best
Community Financial Services
4.07%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $201
Share Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Community Financial Services CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo1.61%
- 31–60 months31–60 mo1.77%
- QualifiedQualified4.07%
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 Community Financial Services 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
Up to 4.07%APY · 5 terms
A 90-day dividend penalty will be imposed for early withdrawal. Deposit amount requires a minimum of $2,500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.82% | $94 |
| 6 months | 4.07% | $201 |
| 12 months | 2.78% | $278 |
| 24 months | 1.61% | $325 |
| 36 months | 1.77% | $540 |
Who can join Community Financial Services
This may be incomplete or out of date, so check with the credit union before you apply.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, or worships in Union County, NJ.
Family and household
- The entire family of a member is eligible to join.
Membership information collected October 5, 2026.