Credit union · NCUA insured
CrossRoads Community Federal Credit Union CD Rates
CrossRoads Community Federal Credit Union’s best CD rate is 3.60% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How CrossRoads Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where CrossRoads Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CrossRoads Community Federal Credit Union
3.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,934
Term Share Certificate
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
CrossRoads Community Federal Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 CrossRoads Community 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 Certificate
Up to 3.60%APY · 8 terms
Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.40% | $692 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.60% | $1,934 |
Who can join CrossRoads Community 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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, volunteer, or go to school in Amherst, Blasdell, Buffalo, Cheektowaga, Clarence, Depew, East Aurora, Elma, Grand Island, Hamburg, Kenmore, Lackawanna, Lancaster, Orchard Park, Tonawanda, West Seneca, and Williamsville, New York.
Employers and groups
- Membership is open to businesses and other legal entities (such as churches, schools, and service groups) located in the served communities.
Family and household
- Membership is open to immediate family members of existing CrossRoads Community Federal Credit Union members.
- Any member of an eligible person's immediate family or household is eligible to join.
Cost to join
- To join, a minimum deposit of $25 is required to open a savings account.
Membership information collected October 5, 2026.