Credit union · NCUA insured
First Harvest Credit Union CD Rates
Top CarrotFirst Harvest Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Harvest Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where First Harvest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Harvest Credit Union
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $868
Share Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
First Harvest Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo2.90%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo2.90%
- QualifiedQualified4.25%
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 Harvest 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 Certificate
Up to 4.25%APY · 15 terms
APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Share Certificate Truth-In-Savings Disclosure for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.90% | $22 |
| 6 months | 0.90% | $45 |
| 7 monthsMust be opened online at FirstHarvestCU.com or other First Harvest digital channels. This offer is not available at First Harvest branch locations. Must open with $500 minimum in new money or have a First Harvest Checking Account | 2.90% | $168 |
| 8 months | 0.90% | $60 |
| 9 months | 0.90% | $67 |
| 10 months | 0.90% | $75 |
| 11 monthsMust open with $500 minimum in new money or have a First Harvest Checking Account | 4.05% | $371 |
| 12 months | 0.90% | $90 |
| 13 months | 2.90% | $315 |
| 15 monthsMust open with $500 minimum in new money or have a First Harvest Checking Account | 4.10% | $515 |
| 18 months | 3.60% | $545 |
| 24 monthsMust open with $500 minimum in new money or have a First Harvest Checking Account | 4.25% | $868 |
| 36 months | 2.90% | $895 |
| 48 months | 2.90% | $1,211 |
| 60 months | 2.90% | $1,537 |
Special-purpose accounts
IRA Share Certificate
Up to 4.25%APY · 14 terms
APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Share Certificate Truth-In-Savings Disclosure for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.90% | $22 |
| 6 months | 0.90% | $45 |
| 8 months | 0.90% | $60 |
| 9 months | 0.90% | $67 |
| 10 months | 0.90% | $75 |
| 11 monthsMust open with $500 minimum in new money or have a First Harvest Checking Account | 4.05% | $371 |
| 12 months | 0.90% | $90 |
| 13 months | 2.90% | $315 |
| 15 monthsMust open with $500 minimum in new money or have a First Harvest Checking Account | 4.10% | $515 |
| 18 months | 3.60% | $545 |
| 24 monthsMust open with $500 minimum in new money or have a First Harvest Checking Account | 4.25% | $868 |
| 36 months | 2.90% | $895 |
| 48 months | 2.90% | $1,211 |
| 60 months | 2.90% | $1,537 |
Who can join First Harvest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and affiliates of partner Select Employer Groups (SEGs) and local partner organizations across Southern New Jersey are eligible for membership.
Membership information collected October 5, 2026.