Credit union · NCUA insured
Community Resource Federal Credit Union CD Rates
Community Resource Federal Credit Union’s best CD rate is 3.75% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 5, 2026.
How Community Resource Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Albany, NY, where Community Resource Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Resource Federal Credit Union
3.75%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $280
Share Certificate
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
2nd-highest rate
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Community Resource Federal Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.55%
- 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 Community Resource 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
Up to 3.75%APY · 9 terms
Minimum to open and obtain APY is $500. Early withdrawal penalty applies. Dividends compounded and posted monthly. Share certificates automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.60% | $178 |
| 9 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.75% | $280 |
| 12 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.75% | $375 |
| 18 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.75% | $568 |
| 24 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.50% | $712 |
| 30 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.50% | $898 |
| 36 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.50% | $1,087 |
| 48 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.55% | $1,497 |
| 60 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.55% | $1,906 |
Sources (2)
All captured Sep 17, 2026
Super Share Certificates
Up to 3.75%APY · 9 terms
Requires a larger minimum deposit of $50,000. Early withdrawal penalty applies. Dividends compounded and posted monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDepositing over $50,000 required | 3.60% | — |
| 9 monthsDepositing over $50,000 required | 3.75% | — |
| 12 monthsDepositing over $50,000 required | 3.75% | — |
| 18 monthsDepositing over $50,000 required | 3.75% | — |
| 24 monthsDepositing over $50,000 required | 3.60% | — |
| 30 monthsDepositing over $50,000 required | 3.60% | — |
| 36 monthsDepositing over $50,000 required | 3.60% | — |
| 48 monthsDepositing over $50,000 required | 3.65% | — |
| 60 monthsDepositing over $50,000 required | 3.65% | — |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Youth Share Certificate
4.00%APY · 1 term
Up to age 17. Minimum to open: $100. Maximum yearly deposit $30,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEligible up to age 17. Minimum to open: $100; maximum yearly deposit $30,000 | 4.00% | $400 |
Sources (1)
- communityresourcefcu.com/rates · captured Sep 17, 2026
IRA Share Certificate
Up to 3.75%APY · 9 terms
Minimum to open and obtain APY is $500. Available as Traditional CD IRA or Roth CD IRA. Funds cannot be withdrawn until age 59 1/2 without penalty; RMD rules apply. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.60% | $178 |
| 9 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.75% | $280 |
| 12 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.75% | $375 |
| 18 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.75% | $568 |
| 24 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.50% | $712 |
| 30 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.50% | $898 |
| 36 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.50% | $1,087 |
| 48 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.55% | $1,497 |
| 60 monthsDividends compounded and posted monthly. Early withdrawal penalty applies | 3.55% | $1,906 |
Sources (2)
All captured Sep 17, 2026
Super IRA Certificate
Up to 3.75%APY · 9 terms
Available for IRA investment with a $50,000 minimum deposit. Early withdrawal penalty applies. Dividends compounded and posted monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDepositing over $50,000 required | 3.60% | — |
| 9 monthsDepositing over $50,000 required | 3.75% | — |
| 12 monthsDepositing over $50,000 required | 3.75% | — |
| 18 monthsDepositing over $50,000 required | 3.75% | — |
| 24 monthsDepositing over $50,000 required | 3.60% | — |
| 30 monthsDepositing over $50,000 required | 3.60% | — |
| 36 monthsDepositing over $50,000 required | 3.60% | — |
| 48 monthsDepositing over $50,000 required | 3.65% | — |
| 60 monthsDepositing over $50,000 required | 3.65% | — |
Sources (2)
All captured Sep 17, 2026
Who can join Community Resource 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
- Individuals who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, and Saratoga Counties are eligible for membership.
Family and household
- Immediate family members or individuals living in the household of someone eligible for membership can join.
Membership information collected October 5, 2026.