Credit union · NCUA insured
First Atlantic Federal Credit Union CD Rates
Top CarrotFirst Atlantic Federal Credit Union’s best CD rate is 4.50% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Atlantic Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where First Atlantic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Atlantic Federal Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $223
Certificates of Deposit (CDs)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
First Atlantic Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.50%
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 First Atlantic 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 of Deposit (CDs)
Up to 4.50%APY · 7 terms
Early withdrawal penalties may apply. Fees could reduce earnings. $500 minimum balance required to earn dividends. Terms range from 3 months to 5 years. Compounded and paid monthly. Rollover with grace period available at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 2.00% | $100 |
| 6 monthsGrand Opening 6-Month Promo: APY is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union. Transfers from existing First Atlantic accounts do not apply. CD will automatically renew at maturity to the same term at the non-promotional rate and APY in effect at renewal | 4.50% | $223 |
| 12 months | 2.00% | $200 |
| 12 months12-Month Promo CD | 3.85% | $385 |
| 24 months | 3.00% | $609 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Special-purpose accounts
IRA Certificates of Deposit (CDs)
Up to 4.50%APY · 7 terms
Available as Traditional or Roth IRA. No annual fees. Early withdrawals may result in tax penalties. Terms available 3 months to 5 years. $500 minimum to open. Fixed rate.
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 0.05% | 0.05% | $1 |
| 6 months | — | 2.00% | 2.00% | $100 |
| 6 monthsGrand Opening 6-Month Promo: APY is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union; transfers from existing First Atlantic accounts do not apply. CD will automatically renew at maturity to the same term at the non-promotional rate and APY in effect at renewal | — | 4.50% | 4.50% | $223 |
| 6 monthsMember Rate | 3.50% | — | 3.50% | $173 |
| 6 monthsNew Member Rate / New Money offer: Valid for new members or new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union; transfers from existing accounts do not qualify | 3.75% | — | 3.75% | $186 |
| 12 months | — | 2.00% | 2.00% | $200 |
| 12 months12-Month Promo | — | 3.85% | 3.85% | $385 |
| 24 months | — | 3.00% | 3.00% | $609 |
| 36 months | — | 3.50% | 3.50% | $1,087 |
| 48 months | — | 3.50% | 3.50% | $1,475 |
| 60 months | — | 3.50% | 3.50% | $1,877 |
Who can join First Atlantic Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.