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Credit union · NCUA insured

Finger Lakes Health Care Federal Credit Union CD Rates

Finger Lakes Health Care Federal Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 18 months. Rates checked October 16, 2026.

How Finger Lakes Health Care Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Elmira, NY, where Finger Lakes Health Care Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Finger Lakes Health Care Federal Credit Union

    3.82%APY

    Term
    12 months
    Minimum
    $1,000
    Earns on $10,000
    $382

    Certificates of Deposit

  • Top rate

    Woodforest National Bank

    4.25%APY

    Term
    9 months
    Minimum
    $500
    Earns on $10,000
    $317

    Woodforest National Bank rates

  • 2nd-highest rate

    Chemung Canal Trust Company

    4.00%APY

    Term
    12 months
    Minimum
    $1,000
    Earns on $10,000
    $400

    Chemung Canal Trust Company rates

Compare CD rates near you →

Finger Lakes Health Care Federal Credit Union CD score

75

CD score

Higher than 40% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.56%
  • 9–15 months9–15 mo3.82%
  • 16–30 months16–30 mo3.05%
  • QualifiedQualified3.82%

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 Finger Lakes Health Care 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 Finger Lakes Health Care Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Health care employees in the Elmira-Watkins Glen area are eligible for membership.

Family and household

  • Families of health care employees in the Elmira-Watkins Glen area are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Finger Lakes Health Care Federal Credit Union overview