Credit union · NCUA insured
Merck Employees Federal Credit Union CD Rates
Merck Employees Federal Credit Union’s best CD rate is 4.35% APY on an 18-month share certificate (CD). Terms run from 6 months to 18 months. Rates checked October 22, 2026.
How Merck Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Merck Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Merck Employees Federal Credit Union
4.35%APY
- Term
- 18 months
- Minimum
- $10,000
- Earns on $10,000
- $660
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
Merck Employees Federal Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.35%
- QualifiedQualified4.35%
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 Merck Employees 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 4.35%APY · 3 terms
Must be a member in good standing with the credit union. No additional deposits permitted after opening; early withdrawals forfeit all interest earned / subject to early withdrawal penalty. Dividends compounded and credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 4.25% | $425 |
| 18 months | 4.35% | $660 |
Sources (4)
- merckcu.com/share-certificates
- merckcu.com/disclosures/truth-in-savings
- merckcu.com/savings/ira-accounts
- merckcu.com/savings/savings-rates
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 4.35%APY · 3 terms
Available as Traditional or Roth IRA certificates. No maximum balance. Dividends/interest paid at maturity. Early withdrawals forfeit all interest earned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 4.25% | $425 |
| 18 months | 4.35% | $660 |
Sources (3)
- merckcu.com/savings/ira-accounts
- merckcu.com/disclosures/truth-in-savings
- merckcu.com/savings/savings-rates
All captured Sep 19, 2026
Who can join Merck Employees Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.