Skip to content

Credit union · NCUA insured

First Point Federal Credit Union CD Rates

First Point Federal Credit Union’s best CD rate is 3.45% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.

How First Point Federal Credit Union’s CD rates compare

Compared with banks and credit unions near New York, NY-NJ, where First Point Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    First Point Federal Credit Union

    3.45%APY

    Term
    60 months
    Minimum
    $500
    Earns on $10,000
    $1,850

    Savings Certificates

  • Top rate

    Liberty Bank of New Jersey

    5.00%APY

    Term
    4 months
    Minimum
    $1,000
    Earns on $10,000
    $164

    Liberty Bank of New Jersey rates

  • Top Carrot, Carrot Score 88

    2nd-highest rate

    Palisades Credit Union

    5.00%APY

    Term
    11 months
    Minimum
    $500
    Earns on $10,000
    $457

    Palisades Credit Union rates

Compare CD rates near you →

First Point Federal Credit Union CD score

74

CD score

Higher than 36% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.25%
  • 9–15 months9–15 mo3.15%
  • 16–30 months16–30 mo3.30%
  • 31–60 months31–60 mo3.45%
  • QualifiedQualified3.45%

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.

How the score works →

Where First Point 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.

Who can join First Point Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
← First Point Federal Credit Union overview