Credit union · NCUA insured
H & E Telephone FCU CD Rates
H & E Telephone FCU’s best CD rate is 3.61% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How H & E Telephone FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where H & E Telephone FCU has the most branches. $10,000, best rate first.
This credit union’s best
H & E Telephone FCU
3.61%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,123
Share Certificate Accounts
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
H & E Telephone FCU CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo2.99%
- 9–15 months9–15 mo3.20%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.61%
- QualifiedQualified3.61%
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 H & E Telephone 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.
Share Certificate Accounts
Up to 3.61%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.99% | $148 |
| 12 months | 3.20% | $320 |
| 24 monthsAPY stated as MATURITY | 3.35% | $681 |
| 36 monthsAPY stated as MATURITY | 3.61% | $1,123 |
Sources (1)
- hetelfcu.org/rates.php · captured Sep 19, 2026
Who can join H & E Telephone FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of American Legion Post 170 are eligible to join.
- Englewood Hospital Nurses are eligible to join.
- Employees of Verizon, Verizon Wireless, AT&T, and Extel Communications are eligible to join.
Military, government and schools
- Police and firefighters are eligible to join.
Family and household
- Families (parents, spouse, children, siblings, and grandchildren) of eligible group members are eligible to join.
Membership information collected October 5, 2026.