Credit union · NCUA insured
Hudson River Community Credit Union CD Rates
Hudson River Community Credit Union’s best CD rate is 3.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Hudson River Community Credit Union’s CD rates compare
Compared with banks and credit unions near Albany, NY, where Hudson River Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hudson River Community Credit Union
3.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $161
Share Certificates
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
2nd-highest rate
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Hudson River Community Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.10%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.25%
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 Hudson River Community 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 Certificates
Up to 3.25%APY · 7 terms
Dividends are compounded quarterly and paid on the last day of the quarter. Fees may reduce earnings. Penalties may apply for early withdrawal. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.25% | $161 |
| 12 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.10% | $310 |
| 18 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.00% | $453 |
| 24 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $506 |
| 36 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $769 |
| 48 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,038 |
| 60 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,314 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Coverdell IRA Certificate
Up to 3.25%APY · 7 terms
Designed for education savings. Dividends compounded quarterly. Penalties may apply for early withdrawal. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.25% | $161 |
| 12 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.10% | $310 |
| 18 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.00% | $453 |
| 24 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $506 |
| 36 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $769 |
| 48 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,038 |
| 60 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,314 |
Sources (3)
- hrccu.org/banking/certificates/rates
- hrccu.org/retirement-accounts
- hrccu.org/retirement-accounts/coverdell-ira
All captured Sep 17, 2026
Roth IRA Certificate
Up to 3.25%APY · 7 terms
No annual fees. Dividends compounded quarterly. Penalties may apply for early withdrawal. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.25% | $161 |
| 12 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.10% | $310 |
| 18 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.00% | $453 |
| 24 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $506 |
| 36 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $769 |
| 48 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,038 |
| 60 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,314 |
Sources (3)
- hrccu.org/banking/certificates/rates
- hrccu.org/retirement-accounts
- hrccu.org/retirement-accounts/roth-ira
All captured Sep 17, 2026
Traditional IRA Certificate
Up to 3.25%APY · 7 terms
No annual fees. Dividends compounded quarterly. Penalties may apply for early withdrawal. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.25% | $161 |
| 12 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.10% | $310 |
| 18 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 3.00% | $453 |
| 24 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $506 |
| 36 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $769 |
| 48 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,038 |
| 60 monthsMinimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly | 2.50% | $1,314 |
Sources (3)
- hrccu.org/banking/certificates/rates
- hrccu.org/retirement-accounts
- hrccu.org/retirement-accounts/traditional-ira
All captured Sep 17, 2026
Who can join Hudson River Community Credit Union
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