Credit union · NCUA insured
Island Federal Credit Union CD Rates
Island Federal Credit Union’s best CD rate is 4.00% APY on a 10-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Island Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Island Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Island Federal Credit Union
4.00%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $332
Share Certificate
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
Island Federal Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
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 Island 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
Up to 4.00%APY · 8 terms
Minimum balance of $500 required to open and earn interest. Membership eligibility applies. Early withdrawal fee applies if funds are accessed prior to maturity. Funds roll over into the same or most similar term at maturity unless specified at account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 2.75% | $137 |
| 10 monthsPromotional Rate | 4.00% | $332 |
| 12 months | 2.50% | $250 |
| 24 months | 3.70% | $754 |
| 36 months | 2.75% | $848 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 8 terms
Minimum deposit of $500 required to open and earn advertised APY. Subject to IRS contribution limits and eligibility requirements. Available in Traditional or Roth IRA wrappers. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 2.75% | $137 |
| 10 monthsPromotional Rate | 4.00% | $332 |
| 12 months | 2.50% | $250 |
| 24 months | 3.70% | $754 |
| 36 months | 2.75% | $848 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Who can join Island Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.