Credit union · NCUA insured
Jersey Central Federal Credit Union CD Rates
Jersey Central Federal Credit Union’s best CD rate is 3.20% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Jersey Central Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Jersey Central Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Jersey Central Federal Credit Union
3.20%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,706
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
Jersey Central Federal Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.20%
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 Jersey Central 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 3.20%APY · 7 terms
Available to Jersey Central FCU members only. Requires maintaining a Share Savings account to establish membership. Penalty assessed for early withdrawal before maturity. Upon maturity, funds are deposited into Share Savings unless otherwise specified.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields | 2.25% | $56 |
| 6 monthsAPY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields | 2.75% | $137 |
| 12 monthsAPY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields | 3.05% | $305 |
| 24 monthsAPY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields | 3.10% | $630 |
| 36 monthsAPY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields | 3.15% | $975 |
| 48 monthsAPY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields | 3.15% | $1,321 |
| 60 monthsAPY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields | 3.20% | $1,706 |
Sources (2)
All captured Sep 19, 2026
Who can join Jersey Central Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of eligible partner companies and municipalities are eligible for membership.
- Retirees of eligible partner companies are eligible for membership.
Family and household
- Relatives of existing members are eligible for membership.
Cost to join
- Minimum opening deposit is $100 unless payroll deduction/direct deposit is elected.
- There is no fee to become a member.
Membership information collected October 5, 2026.