Credit union · NCUA insured
Generations United Federal Credit Union CD Rates
Generations United Federal Credit Union’s best CD rate is 4.34% APY on a 2-year share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 16, 2026.
How Generations United Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Generations United Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Generations United Federal Credit Union
4.08%APY
- Term
- 7 months
- Minimum
- $100
- Earns on $10,000
- $236
7-Month Certificate
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
Generations United Federal Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo4.08%
- 9–15 months9–15 mo3.20%
- 16–30 months16–30 mo3.30%
- QualifiedQualified4.08%
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 Generations United 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.
Long-Term Certificates
Up to 4.34%APY · 2 terms
Fixed rate. Dividends compounded and credited monthly. Additional deposits not allowed. Automatically renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 16 months | 4.08% | $548 |
| 24 months | 4.34% | $887 |
Sources (2)
All captured Oct 16, 2026
7-Month Certificate
4.08%APY · 1 term
Promotional certificate offering (Summer Certificate Sale starting July 1 / limited time offering). Fixed rate. Not renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSummer Certificate Sale! Beginning July 1 / limited time offering. Not renewable | 4.08% | $236 |
Sources (3)
- gufcu.org/wp-content/uploads/C…-month-certificate-1.pdf
- gufcu.org/wp-content/uploads/C…-7-month-certificate.pdf
- gufcu.org/forms
All captured Oct 16, 2026
GU Certificates
Up to 3.30%APY · 5 terms
Minimum opening deposit required as per term tier. Additional deposit not allowed; withdrawals subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMin deposit $100. Term 3 months. Dividend period matches term | 2.78% | $69 |
| 6 monthsMin deposit $100. Term 6 months | 2.94% | $146 |
| 9 monthsMin deposit $100. Term 9 months | 3.04% | $227 |
| 12 monthsMin deposit $100. Term 12 months | 3.20% | $320 |
| 18 monthsMin deposit $100. Term 18 months | 3.30% | $499 |
Sources (2)
All captured Oct 16, 2026
Charitable Share Certificate
Up to 3.15%APY · 2 terms
Fixed rate. Dividends compounded and credited monthly. Additional deposits not allowed. Automatically renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 2.89% | $119 |
| 10 monthsEarly withdrawal penalty: 120 days' dividends | 3.15% | $262 |
Sources (2)
All captured Oct 16, 2026
Who can join Generations United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or volunteers of the credit union, plus any organization of such persons, are eligible.
- Employees of the United Church of Christ are eligible for membership.
- Members of the United Church of Christ are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership of this credit union are eligible.
- Members of the immediate family or household participating in the credit union are eligible.
Other ways
- Corporate or other legal entities in this charter are eligible for membership.
Cost to join
- Opening an account requires opening a share savings account with as little as $5.
Membership information collected October 5, 2026.