Credit union · NCUA insured
Ed-Med FCU CD Rates
Ed-Med FCU’s best CD rate is 3.80% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Ed-Med FCU’s CD rates compare
Compared with banks and credit unions near Massena, NY, where Ed-Med FCU has the most branches. $10,000, best rate first.
This credit union’s best
Ed-Med FCU
3.80%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,184
Term Share Certificates
Top rate
Massena Savings & Loan Association
4.90%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,543
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
Ed-Med FCU CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo1.26%
- 9–15 months9–15 mo1.76%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 Ed-Med FCU 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 Certificates
Up to 3.80%APY · 5 terms
Minimum Deposit is $1,000 for all certificates. All rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.26% | $63 |
| 12 months | 1.76% | $176 |
| 18 months | 2.27% | $342 |
| 24 months | 3.03% | $615 |
| 36 months | 3.80% | $1,184 |
Sources (1)
- edmedfcu.com/rates · captured Oct 16, 2026
Who can join Ed-Med FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Claxton Hepburn Medical Center, United Helpers Organization, St Joseph's Home, St Lawrence County CDP, doctors affiliated with CHMC and their employees, and employees of this credit union are eligible for membership.
Military, government and schools
- Employees of the Boards of Education of Ogdensburg, Morristown, Hammond, Lisbon, and Heuvelton are eligible for membership.
Family and household
- Members of the immediate family of qualifying persons are eligible for membership.
Other ways
- Organizations of qualifying persons are eligible for membership.
- Persons retired as pensioners or annuitants of the qualifying employments are eligible for membership.
Cost to join
- Joining requires purchasing one share equal to $5.00, which must remain in the primary share account at all times and earns dividends.
Membership information collected October 5, 2026.