Credit union · NCUA insured
FourLeaf Federal Credit Union CD Rates
FourLeaf Federal Credit Union’s best CD rate is 4.15% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How FourLeaf Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where FourLeaf Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FourLeaf Federal Credit Union
4.15%APY
- Term
- 60 months
- Minimum
- $50
- Earns on $10,000
- $2,255
FourLeaf Certificate Account
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
FourLeaf Federal Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo1.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.25%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.15%
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 FourLeaf 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.
FourLeaf Certificate Account
Up to 4.15%APY · 16 terms
Must establish membership with FourLeaf by opening a $5 Savings account prior to opening a Certificate Account. $50 minimum balance to open account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.00% | $25 |
| 6 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $62 |
| 7 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $73 |
| 8 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.75% | $116 |
| 9 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $94 |
| 10 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $104 |
| 11 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 3.00% | $275 |
| 12 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $125 |
| 13 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 4.00% | $434 |
| 18 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $188 |
| 24 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $252 |
| 30 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $315 |
| 36 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $380 |
| 39 months39 Month Bump-Up Certificate. Assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $412 |
| 48 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 1.25% | $509 |
| 60 monthsAssumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal | 4.15% | $2,255 |
Sources (1)
- fourleaffcu.com/personal/certificate-of-deposit · captured Oct 16, 2026
Who can join FourLeaf Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone across the country under an open charter.
Cost to join
- Opening and maintaining a $5.00 share in a FourLeaf Savings Account is required for membership.
Membership information collected October 5, 2026.