Credit union · NCUA insured
Greater Alliance Federal Credit Union CD Rates
Top CarrotGreater Alliance Federal Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Greater Alliance Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Greater Alliance Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Alliance Federal Credit Union
4.25%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $644
Share 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
Greater Alliance Federal Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.75%
- 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 Greater Alliance 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 Certificate Account
Up to 4.25%APY · 9 terms
Membership at credit union requires a savings account with $100 minimum balance to earn interest. $500 minimum deposit required to open. Early withdrawal penalty applies (90 days dividends for term 1 year or less; 180 days dividends for term greater than 1 year). Dividends compounded daily and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 15 months | 4.00% | $502 |
| 18 months | 4.25% | $644 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Special-purpose accounts
Coverdell Education Certificate Account and Traditional or Roth IRA Certificate Account
Up to 4.35%APY · 9 terms
IRA accounts cannot be opened online; existing members must visit a branch with government-issued ID. Membership requires a savings account with $100 minimum balance to earn interest. $500 minimum deposit to open. Penalties may be imposed for early withdrawal except for required minimum distributions for IRAs. Dividends compounded daily and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.10% | $77 |
| 6 months | 3.60% | $178 |
| 12 months | 3.85% | $385 |
| 15 months | 4.10% | $515 |
| 18 months | 4.35% | $660 |
| 24 months | 3.70% | $754 |
| 36 months | 3.70% | $1,152 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.85% | $2,079 |
Sources (3)
- greateralliance.org/service/savings-account/ira
- greateralliance.org/wp-content…isclosure-10.01.26-1.pdf
- greateralliance.org/iras-rates
All captured Oct 15, 2026
Who can join Greater Alliance 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
- Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in Bergen and Passaic Counties.
Family and household
- Membership is open to immediate family members (spouse, parent, stepparent, child, stepchild, sibling, step-sibling, grandchild, grandparent, or great-grandparent).
Membership information collected October 5, 2026.