Credit union · NCUA insured
Finger Lakes Federal Credit Union CD Rates
Top CarrotFinger Lakes Federal Credit Union’s best CD rate is 1.66% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Finger Lakes Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Finger Lakes Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Finger Lakes Federal Credit Union
1.66%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $506
Certificates (Term Share Accounts)
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Finger Lakes Federal Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 3–8 months3–8 mo1.01%
- 9–15 months9–15 mo1.26%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo1.66%
- QualifiedQualified1.66%
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 Finger Lakes 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.
Certificates (Term Share Accounts)
Up to 1.66%APY · 9 terms
Funds must remain on deposit for the term selected to earn the stated dividend rate and APY. A penalty may apply for early withdrawal and the CD may be closed if the balance falls below the minimum threshold. Dividend period is quarterly (calendar) for 18-month and 1, 2, 3, 4 & 5-year CDs; monthly for 3 & 6-month CDs along with 9-month add-on CDs. Subject to a minimum deposit of $500.00. No monthly service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMonthly dividend period | 0.65% | $16 |
| 6 monthsMonthly dividend period | 1.01% | $50 |
| 9 months9-Month Add-On Certificate; monthly dividend period | 0.70% | $52 |
| 12 monthsQuarterly (calendar) dividend period | 1.26% | $126 |
| 18 monthsQuarterly (calendar) dividend period | 1.26% | $190 |
| 24 monthsQuarterly (calendar) dividend period | 1.51% | $304 |
| 36 monthsQuarterly (calendar) dividend period | 1.66% | $506 |
| 48 monthsQuarterly (calendar) dividend period | 1.66% | $681 |
| 60 monthsQuarterly (calendar) dividend period | 1.66% | $858 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 1.66%APY · 7 terms
Minimum deposit $500 required. Rates match regular certificates. Available terms 3 months to 3 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsIRA Account. Rate effective 2026-10-01. Minimum deposit $500 | 0.65% | $16 |
| 6 monthsIRA Account. Rate effective 2026-10-01. Minimum deposit $500 | 1.01% | $50 |
| 9 monthsIRA Account. Rate effective 2026-10-01. Minimum deposit $500 | 0.70% | $52 |
| 12 monthsIRA Account. Rate effective 2026-10-01. Minimum deposit $500 | 1.26% | $126 |
| 18 monthsIRA Account. Rate effective 2026-10-01. Minimum deposit $500 | 1.26% | $190 |
| 24 monthsIRA Account. Rate effective 2026-10-01. Minimum deposit $500 | 1.51% | $304 |
| 36 monthsIRA Account. Rate effective 2026-10-01. Minimum deposit $500 | 1.66% | $506 |
Sources (2)
All captured Oct 6, 2026
Who can join Finger Lakes Federal Credit Union
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