Credit union · NCUA insured
First Choice Financial Federal Credit Union CD Rates
Top CarrotFirst Choice Financial Federal Credit Union’s best CD rate is 4.39% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Choice Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Gloversville, NY, where First Choice Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Choice Financial Federal Credit Union
4.39%APY
- Term
- 48 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,875
Share Certificates
2nd-highest rate
NBT Bank
4.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $132
3rd-highest rate
KeyBank
3.75%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000
- $375
First Choice Financial Federal Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.77%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo4.34%
- 31–60 months31–60 mo4.39%
- QualifiedQualified4.39%
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 Choice Financial 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.
Share Certificates
Up to 4.39%APY · 9 terms
$500 Minimum Balance Required; Interest Compounded Daily; Penalty for early withdrawal; Rates are subject to change without notice
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCredit Monthly | 3.61% | $89 |
| 6 monthsCredit Monthly | 3.77% | $187 |
| 9 monthsCredit Monthly | 3.92% | $293 |
| 12 monthsCredit at Maturity | 4.08% | $408 |
| 18 monthsCredit Quarterly | 4.18% | $634 |
| 24 monthsCredit Quarterly | 4.34% | $887 |
| 36 monthsCredit Quarterly | 4.29% | $1,343 |
| 48 monthsCredit Quarterly | 4.39% | $1,875 |
| 60 monthsCredit Quarterly | 4.39% | $2,396 |
Sources (1)
- fcfinancialcu.org/Rates.aspx · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.39%APY · 5 terms
Penalty for early withdraw; Rates are subject to change without notice
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum $500 Credit Quarterly Compound Daily | 4.08% | $408 |
| 24 monthsMinimum $500 Credit Quarterly Compound Daily | 4.34% | $887 |
| 36 monthsMinimum $500 Credit Quarterly Compound Daily | 4.29% | $1,343 |
| 48 monthsMinimum $500 Credit Quarterly Compound Daily | 4.34% | $1,852 |
| 60 monthsMinimum $500 Credit Quarterly Compound Daily | 4.39% | $2,396 |
Sources (1)
- fcfinancialcu.org/Rates.aspx · captured Oct 5, 2026
Who can join First Choice Financial 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
- Eligibility is open to individuals who live, work, worship, attend school, or have a business in Fulton or Montgomery Counties, or the Towns of Arietta, Benson, Hope, Wells, Speculator, Lake Pleasant, or Indian Lake in Hamilton County.
Cost to join
- An initial share deposit of $5.00 or more is required to join.
Membership information collected October 5, 2026.