Credit union · NCUA insured
Cooperative Federal Credit Union CD Rates
Cooperative Federal Credit Union’s best CD rate is 3.65% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Cooperative Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Cooperative Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cooperative Federal Credit Union
3.45%APY
- Term
- 13 months
- Minimum
- $4,000
- Earns on $10,000
- $374
Member Certificates
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Cooperative Federal Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.65%
- QualifiedQualified3.45%
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 Cooperative 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.
Member Certificates
Up to 3.45%APY · 11 terms
Dividends compounded and credited monthly and at maturity. Early withdrawal penalty may be imposed. Fees could reduce earnings. Special certificates roll over to regular certificate with closest term at maturity. Insured by NCUA up to $250,000.
| Term | APY · $1,000 and up | APY · $4,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY · $245,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | — | 1.50% | 1.55% | 1.65% | 1.70% | 1.50%1.55% from $50k1.65% from $100k1.70% from $245k | $37 |
| 6 months | — | 1.55% | 1.60% | 1.70% | 1.75% | 1.55%1.60% from $50k1.70% from $100k1.75% from $245k | $77 |
| 7 monthsAt maturity, Special Certificates roll over to a regular Certificate with the closest term | — | 3.25% | 3.30% | 3.40% | 3.45% | 3.25%3.30% from $50k3.40% from $100k3.45% from $245k | $188 |
| 12 months | — | 1.95% | 2.00% | 2.10% | 2.15% | 1.95%2.00% from $50k2.10% from $100k2.15% from $245k | $195 |
| 13 monthsAt maturity, Special Certificates roll over to a regular Certificate with the closest term | — | 3.45% | 3.50% | 3.60% | 3.65% | 3.45%3.50% from $50k3.60% from $100k3.65% from $245k | $374 |
| 18 months | — | 1.95% | 2.00% | 2.10% | 2.15% | 1.95%2.00% from $50k2.10% from $100k2.15% from $245k | $294 |
| 24 months | 1.95% | — | 2.00% | 2.10% | 2.15% | 1.95%2.00% from $50k2.10% from $100k2.15% from $245k | $394 |
| 30 months | 2.00% | — | 2.05% | 2.15% | 2.20% | 2.00%2.05% from $50k2.15% from $100k2.20% from $245k | $508 |
| 36 months | 2.25% | — | 2.30% | 2.40% | 2.45% | 2.25%2.30% from $50k2.40% from $100k2.45% from $245k | $690 |
| 48 months | 2.40% | — | 2.45% | 2.55% | 2.60% | 2.40%2.45% from $50k2.55% from $100k2.60% from $245k | $995 |
| 60 months | 2.65% | — | 2.70% | 2.80% | 2.85% | 2.65%2.70% from $50k2.80% from $100k2.85% from $245k | $1,397 |
Sources (2)
All captured Sep 17, 2026
12 Month Lucky Savers
2.00%APY · 1 term
Minimum balance of $25. Early withdrawal penalty may be imposed. Fees could reduce earnings. Insured by NCUA up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | $200 |
Sources (2)
All captured Sep 17, 2026
Community Investment Certificates
0.00%APY · 6 terms
Certificates for individuals and organizations (nonmembers/members). Minimum balance of $50,000. Federally insured to at least $250,000 by NCUA. Penalty may be imposed for early withdrawal. Fees could reduce earnings. Return ranges from below market rate (e.g. 0.00% supporter/benefactor/community rates) to full market rates (call for rates).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCommunity Reinvestment Rate / Community Development Rate / Supporter Rate / Benefactor Rate | 0.00% | — |
| 12 monthsCommunity Reinvestment Rate / Community Development Rate / Supporter Rate / Benefactor Rate | 0.00% | — |
| 18 monthsCommunity Reinvestment Rate / Community Development Rate / Supporter Rate / Benefactor Rate | 0.00% | — |
| 24 monthsCommunity Reinvestment Rate / Community Development Rate / Supporter Rate / Benefactor Rate | 0.00% | — |
| 30 monthsCommunity Reinvestment Rate / Community Development Rate / Supporter Rate / Benefactor Rate | 0.00% | — |
| 36 monthsCommunity Reinvestment Rate / Community Development Rate / Supporter Rate / Benefactor Rate | 0.00% | — |
Sources (1)
- cooperativefederal.org/about/c…y-investment-certificate · captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 2.65%APY · 5 terms
Available as Traditional IRA, Roth IRA, or SEP-IRA certificates. Minimum balance $1,000. Early withdrawal penalty may be imposed. Fees could reduce earnings. Insured by NCUA up to $250,000.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY · $245,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 1.95% | 2.00% | 2.10% | 2.15% | 1.95%2.00% from $50k2.10% from $100k2.15% from $245k | $195 |
| 24 months | 1.95% | 2.00% | 2.10% | 2.15% | 1.95%2.00% from $50k2.10% from $100k2.15% from $245k | $394 |
| 36 months | 2.25% | 2.30% | 2.40% | 2.45% | 2.25%2.30% from $50k2.40% from $100k2.45% from $245k | $690 |
| 48 months | 2.40% | 2.45% | 2.55% | 2.60% | 2.40%2.45% from $50k2.55% from $100k2.60% from $245k | $995 |
| 60 months | 2.65% | 2.70% | 2.80% | 2.85% | 2.65%2.70% from $50k2.80% from $100k2.85% from $245k | $1,397 |
Sources (2)
All captured Sep 17, 2026
Community Investment Bank Enterprise Award (BEA) 36 Month Certificate
Up to 0.40%APY · 1 term
Minimum balance $50,000. BEA certificates usually have terms of 36 months. Maximum Allowable Rate is the matching Treasury constant maturities on the day of deposit; a recent 36-month rate is shown as 0.40% APY. Discounted Community Reinvestment, Community Development, Supporter, and Benefactor rates apply. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsBenefactor Rate is 0.00% APY. Penalty may be imposed for early withdrawal | 0.00% | — |
| 36 monthsCommunity Development Rate is 0.30% APY. Penalty may be imposed for early withdrawal | 0.30% | — |
| 36 monthsCommunity Reinvestment Rate is 0.35% APY. Penalty may be imposed for early withdrawal | 0.35% | — |
| 36 monthsMaximum Allowable Rate is the matching Treasury constant maturities on the day of deposit; a recent 36-month rate is shown as 0.40% APY. Penalty may be imposed for early withdrawal | 0.40% | — |
| 36 monthsSupporter Rate is 0.25% APY. Penalty may be imposed for early withdrawal | 0.25% | — |
Sources (1)
- cooperativefederal.org/about/c…y-investment-certificate · captured Sep 17, 2026
Who can join Cooperative 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
- Persons who live, work, worship, or attend school in the City of Syracuse.
Employers and groups
- Eligible affiliates (such as employees, members, volunteers, directors, or residents) of participating Field of Membership nonprofits, associations, and local businesses.
Military, government and schools
- Students of Henninger High School and Nottingham High School; and employees, students, and families of Jowonio School and The New School.
Family and household
- Individuals who have an immediate family member or household member who lives, works, worships, or attends school in Syracuse.
Cost to join
- $5 minimum initial savings deposit to open a savings account.
- $10 one-time New Member Fee ($2 for youth under age 18), waived when account is opened online.
Membership information collected October 5, 2026.