Credit union · NCUA insured
Genesee Valley FCU CD Rates
Genesee Valley FCU’s best CD rate is 3.60% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 16, 2026.
How Genesee Valley FCU’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Genesee Valley FCU has the most branches. $10,000, best rate first.
This credit union’s best
Genesee Valley FCU
3.50%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $144
Certificates
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Genesee Valley FCU CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.40%
- 31–60 months31–60 mo0.60%
- QualifiedQualified3.50%
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 Genesee Valley FCU 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.
Certificates
Up to 3.50%APY · 7 terms
Minimum deposit $500.00. Jumbo CD's ($75,000 or greater) add 0.10% to APY.
| Term | APY · Up to $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsMust have a Premium Checking account to be eligible | 3.50% | — | 3.50% | $144 |
| 5 monthsMust have a Premium Checking account to be eligible. Jumbo CD ($75,000 or greater) adds 0.10% to APY | — | 3.60% | —3.60% from $75k | — |
| 6 months | 0.20% | — | 0.20% | $10 |
| 6 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.30% | —0.30% from $75k | — |
| 12 months | 0.30% | — | 0.30% | $30 |
| 12 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.40% | —0.40% from $75k | — |
| 24 months | 0.40% | — | 0.40% | $80 |
| 24 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.50% | —0.50% from $75k | — |
| 36 months | 0.50% | — | 0.50% | $151 |
| 36 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.60% | —0.60% from $75k | — |
| 48 months | 0.55% | — | 0.55% | $222 |
| 48 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.65% | —0.65% from $75k | — |
| 60 months | 0.60% | — | 0.60% | $304 |
| 60 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.70% | —0.70% from $75k | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.50%APY · 7 terms
Available as Traditional and Roth IRAs. Minimum deposit $500.00. Jumbo CD's ($75,000 or greater) add 0.10% to APY.
| Term | APY · Up to $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsMust have a Premium Checking account to be eligible | 3.50% | — | 3.50% | $144 |
| 5 monthsMust have a Premium Checking account to be eligible. Jumbo CD ($75,000 or greater) adds 0.10% to APY | — | 3.60% | —3.60% from $75k | — |
| 6 months | 0.20% | — | 0.20% | $10 |
| 6 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.30% | —0.30% from $75k | — |
| 12 months | 0.30% | — | 0.30% | $30 |
| 12 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.40% | —0.40% from $75k | — |
| 24 months | 0.40% | — | 0.40% | $80 |
| 24 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.50% | —0.50% from $75k | — |
| 36 months | 0.50% | — | 0.50% | $151 |
| 36 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.60% | —0.60% from $75k | — |
| 48 months | 0.55% | — | 0.55% | $222 |
| 48 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.65% | —0.65% from $75k | — |
| 60 months | 0.60% | — | 0.60% | $304 |
| 60 monthsJumbo CD ($75,000 or greater) adds 0.10% to APY | — | 0.70% | —0.70% from $75k | — |
Sources (2)
All captured Oct 5, 2026
Who can join Genesee Valley FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, go to school, or volunteer in Livingston or Wyoming Counties.
Family and household
- Immediate family members (grandparents, parents, spouse, children, grandchildren, and siblings) of members are eligible for membership.
Cost to join
- A minimum $5.00 deposit to a savings account is needed to establish membership.
Membership information collected October 5, 2026.