Credit union · NCUA insured
First New York Federal Credit Union CD Rates
Top CarrotFirst New York Federal Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First New York Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Albany, NY, where First New York Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First New York Federal Credit Union
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $317
Share Certificates
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
2nd-highest rate
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
First New York Federal Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo2.70%
- 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 New York 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 4.25%APY · 10 terms
Open a Certificate with a minimum deposit of $500 ($2,500 for 9-month and 24-month Share Certificates). Terms ranging from 3 months to 5 years. Lock in rate for entire certificate term. Competitive dividends compounded and credited monthly; withdraw earned dividends at any time without penalty. Automatic renewal at maturity for the same term as originally opened. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Funds federally insured by the NCUA up to applicable limits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 3.00% | $74 |
| 6 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 3.25% | $161 |
| 9 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $2,500 | 4.25% | $317 |
| 12 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 3.50% | $350 |
| 18 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 3.50% | $530 |
| 24 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $2,500 | 4.25% | $868 |
| 30 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.40% | $611 |
| 36 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.50% | $769 |
| 48 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.60% | $1,081 |
| 60 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.70% | $1,425 |
Lucky Savers Share Certificate
0.15%APY · 1 term
Available to eligible First New York members age 18 and older with accounts in good standing. Business, trust, and participating institution employee accounts are not eligible to win prizes. Prize period runs from October 1, 2026 until September 30, 2027. Earn one prize drawing entry for every $25 deposited up to $250/month (up to 10 chances per month). Initial deposit of $25 required to open; additional deposits can be made throughout the term. All deposits mature 12 months after initial deposit date. Dividends compounded monthly. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPrize period runs from October 1, 2026 until September 30, 2027. Business and trust accounts, as well as employee accounts from any participating institution, are not eligible to win prizes. An initial deposit of $25 is required to open and additional deposits can be made throughout the term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit was made. A penalty for early withdrawal may apply. The APY is subject to change without notice. Rates set weekly. Dividends compounded monthly. Official rules at www.savetowin.org | 0.15% | $15 |
Special-purpose accounts
IRA Share Certificates
Up to 4.25%APY · 8 terms
Tax-advantaged savings options designed to help save for retirement. Earnings are compounded and credited monthly. Available through branch locations. IRA eligibility excludes 3-month and 9-month Share Certificates. Minimum deposit is $500 for standard terms and $2,500 for 24-month Share Certificates. Automatically renews for the same term as originally opened. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 3.25% | $161 |
| 12 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 3.50% | $350 |
| 18 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 3.50% | $530 |
| 24 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $2,500 | 4.25% | $868 |
| 30 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.40% | $611 |
| 36 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.50% | $769 |
| 48 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.60% | $1,081 |
| 60 monthsAnnual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500 | 2.70% | $1,425 |
Who can join First New York 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
- Individuals who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
Cost to join
- Opening a Primary Share Savings Account with a $1 minimum balance is required to establish membership.
Membership information collected October 5, 2026.