Credit union · NCUA insured
Inner Lakes Federal Credit Union CD Rates
Top CarrotInner Lakes Federal Credit Union’s best CD rate is 3.87% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Inner Lakes Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Jamestown, NY, where Inner Lakes Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Inner Lakes Federal Credit Union
3.87%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,640
Certificate of Deposit
Top rate
Lake Shore Bank
4.44%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $673
2nd-highest rate
Centra Credit Union
4.35%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $288
Inner Lakes Federal Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.66%
- 31–60 months31–60 mo3.87%
- QualifiedQualified3.87%
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 Inner Lakes 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.
Certificate of Deposit
Up to 3.87%APY · 7 terms
Penalty may be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum balance $500 | 3.45% | — | 3.45% | $171 |
| 12 monthsMinimum balance $500 | 3.56% | — | 3.56% | $356 |
| 18 monthsMinimum balance $500 | 3.56% | — | 3.56% | $539 |
| 24 monthsMinimum balance $1000 | — | 3.66% | 3.66% | $745 |
| 36 monthsMinimum balance $1000 | — | 3.82% | 3.82% | $1,190 |
| 48 monthsMinimum balance $1000 | — | 3.87% | 3.87% | $1,640 |
| 60 monthsMinimum balance $1000 | — | 3.87% | 3.87% | $2,091 |
Who can join Inner Lakes Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.