Bank · FDIC insured
First Federal Middletown CD Rates
First Federal Middletown’s best CD rate is 1.81% APY on a 30-month CD. Terms run from 6 months to 42 months. Rates checked October 16, 2026.
How First Federal Middletown’s CD rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where First Federal Middletown has the most branches. $10,000, best rate first.
This bank’s best
First Federal Middletown
1.81%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $459
Certificates of Deposit
Top rate
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
2nd-highest rate
International Bank of Chicago
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
First Federal Middletown CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo1.66%
- 16–30 months16–30 mo1.81%
- 31–60 months31–60 mo1.81%
- QualifiedQualified1.81%
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 Federal Middletown ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 1.81%APY · 4 terms
With terms between six (6) and thirty (30) months (also offering 42 months on rate schedule) and a low minimum balance of $1,000. Interest compounded daily and credited monthly or quarterly depending upon preference. Early withdrawal penalty applies; automatic renewal with 7 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm is 6 months (182 days). Early withdrawal penalty of 3 months interest | 0.75% | $37 |
| 12 monthsTerm is 12 months. Early withdrawal penalty of 6 months interest | 1.66% | $166 |
| 30 monthsTerm is 30 months. Early withdrawal penalty of 6 months interest | 1.81% | $459 |
| 42 monthsTerm is 42 months. Early withdrawal penalty of 6 months interest | 1.81% | $648 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 1.76%APY · 2 terms
Certificates of Deposit available for IRAs (including IRA & ROTH). Interest compounded daily and credited quarterly (or monthly/quarterly where applicable). Early withdrawal penalty of 6 months interest applies, waived for customers over age 59 1/2 or in the case of death or permanent disability.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Months (IRA & ROTH ONLY). Interest credited quarterly. Early withdrawal penalty of 6 months interest waived for customers over age 59 1/2, death, or permanent disability | 1.66% | $250 |
| 24 months24 Months (IRA & ROTH ONLY). Interest credited quarterly. Early withdrawal penalty of 6 months interest waived for customers over age 59 1/2, death, or permanent disability | 1.76% | $355 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.