Bank · FDIC insured
Maspeth Federal Savings CD Rates
Maspeth Federal Savings’s best CD rate is 3.80% APY on a 9-month CD. Terms run from 6 months to 5 years. Rates checked October 5, 2026.
How Maspeth Federal Savings’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Maspeth Federal Savings has the most branches. $10,000, best rate first.
This bank’s best
Maspeth Federal Savings
3.80%APY
- Term
- 9 months
- Minimum
- $1,500
- Earns on $10,000
- $284
Certificate of Deposit
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
Maspeth Federal Savings CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.80%
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 Maspeth Federal Savings ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.80%APY · 7 terms
Federally insured. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice. Penalty for early withdrawal. Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments.
| Term | APY · $1,500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTerm: 6 months. Simple interest on 6-month CD | 3.50% | — | 3.50% | $173 |
| 9 monthsTerm: 9 months. Interest compounded continuously | 3.80% | — | 3.80% | $284 |
| 12 monthsTerm: 12 months. Interest compounded continuously | 3.65% | — | 3.65% | $365 |
| 18 monthsTerm: 18 months. Interest compounded continuously | 3.35% | — | 3.35% | $507 |
| 24 monthsTerm: 24 months. Interest compounded continuously | — | 3.40% | 3.40% | $692 |
| 36 monthsTerm: 36 months. Interest compounded continuously | — | 3.45% | 3.45% | $1,071 |
| 60 monthsTerm: 60 months. Interest compounded continuously | — | 3.50% | 3.50% | $1,877 |
Sources (2)
All captured Sep 26, 2026
Special-purpose accounts
Coverdell Education Savings Account
Up to 4.15%APY · 7 terms
Save for future college costs with a CESA, a federally sponsored, tax-free IRA CD. Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. Early withdrawal penalty. Automatically renews at maturity unless customer chooses otherwise. Minimum balance required to achieve stated APY. Daily balance method. All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal.
| Term | APY · $40 and up | APY · $1,500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsTerm: 6 months. Simple interest | — | 4.15% | — | 4.15% | $205 |
| 9 monthsTerm: 9 months. Compounded continuously | — | 3.00% | — | 3.00% | $224 |
| 12 monthsTerm: 12 months. Compounded continuously | — | 3.90% | — | 3.90% | $390 |
| 18 monthsTerm: 18 months. 18 Month Wild Card IRA offer for CESA. Compounded continuously | 3.35% | — | — | 3.35% | $507 |
| 18 monthsTerm: 18 months. Compounded continuously | — | 3.35% | — | 3.35% | $507 |
| 24 monthsTerm: 24 months. Compounded continuously | — | — | 3.40% | 3.40% | $692 |
| 36 monthsTerm: 36 months. Compounded continuously | — | — | 3.45% | 3.45% | $1,071 |
| 60 monthsTerm: 60 months. Compounded continuously | — | — | 3.50% | 3.50% | $1,877 |
Sources (1)
- maspethfederal.com/personal-banking/cds-iras · captured Oct 5, 2026
IRA Certificate of Deposit
Up to 3.80%APY · 7 terms
Federally insured. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice. Penalty for early withdrawal. Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments. All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal.
| Term | APY · $1,500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTerm: 6 months. Simple interest on 6-month CD | 3.50% | — | 3.50% | $173 |
| 9 monthsTerm: 9 months. Interest compounded continuously | 3.80% | — | 3.80% | $284 |
| 12 monthsTerm: 12 months. Interest compounded continuously | 3.65% | — | 3.65% | $365 |
| 18 monthsTerm: 18 months. Interest compounded continuously | 3.35% | — | 3.35% | $507 |
| 24 monthsTerm: 24 months. Interest compounded continuously | — | 3.40% | 3.40% | $692 |
| 36 monthsTerm: 36 months. Interest compounded continuously | — | 3.45% | 3.45% | $1,071 |
| 60 monthsTerm: 60 months. Interest compounded continuously | — | 3.50% | 3.50% | $1,877 |
Sources (2)
All captured Sep 26, 2026
Wild Card IRA CD
3.35%APY · 1 term
Make multiple deposits throughout the year. Penalty for early withdrawal. Automatically renews at maturity unless customer chooses otherwise. Minimum balance required to achieve stated APY. Daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMake multiple deposits throughout the year. Minimum balance required to achieve stated APY | 3.35% | $507 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.