Credit union · NCUA insured
EmpireONE Federal Credit Union CD Rates
EmpireONE Federal Credit Union’s best CD rate is 1.76% APY on a 3-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How EmpireONE Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where EmpireONE Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
EmpireONE Federal Credit Union
1.76%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $537
CD
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
EmpireONE Federal Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 9–15 months9–15 mo1.26%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo1.76%
- QualifiedQualified1.76%
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 EmpireONE 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.
CD
Up to 1.76%APY · 5 terms
Rates are subject to change at any time without notice
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.26% | $126 |
| 24 months | 1.51% | $304 |
| 36 months | 1.76% | $537 |
| 48 months | 0.20% | $80 |
| 60 months | 0.25% | $126 |
Sources (1)
- empireonefcu.org/rates · captured Oct 5, 2026
Special-purpose accounts
IRA CD
Up to 1.76%APY · 5 terms
Rates are subject to change at any time without notice
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.26% | $126 |
| 24 months | 1.51% | $304 |
| 36 months | 1.76% | $537 |
| 48 months | 0.20% | $80 |
| 60 months | 0.25% | $126 |
Sources (1)
- empireonefcu.org/rates · captured Oct 5, 2026
Who can join EmpireONE 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This may be incomplete or out of date, so check with the credit union before you apply.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 go to school in Erie County, New York, and can prove US citizenship, are eligible for membership.
Family and household
- Immediate family members and others living in the household of an existing Empire ONE Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.