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Credit union · NCUA insured

Encompass Niagara Federal Credit Union CD Rates

Encompass Niagara Federal Credit Union’s best CD rate is 4.18% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.

How Encompass Niagara Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Buffalo, NY, where Encompass Niagara Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Encompass Niagara Federal Credit Union

    4.18%APY

    Term
    18 months
    Requires
    None
    Minimum
    —
    Earns on $10,000
    $634

    Regular Certificate

  • Top rate

    HSBC USA

    4.60%APY

    Term
    24 months
    Requires
    Another account
    Minimum
    $1,000
    Earns on $10,000
    $941

    HSBC USA rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Ukrainian Federal Credit Union

    4.50%APY

    Term
    36 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $1,412

    Ukrainian Federal Credit Union rates

Compare CD rates near you →

Encompass Niagara Federal Credit Union CD score

80

CD score

Higher than 53% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.30%
  • 9–15 months9–15 mo3.56%
  • 16–30 months16–30 mo4.18%
  • QualifiedQualified4.18%

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.

How the score works →

Where Encompass Niagara 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.

Who can join Encompass Niagara Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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