Credit union · NCUA insured
Merck Sharp & Dohme Federal Credit Union CD Rates
Merck Sharp & Dohme Federal Credit Union’s best CD rate is 4.15% APY on a 2-year share certificate (CD). Terms run from 2 years to 5 years. Rates checked October 16, 2026.
How Merck Sharp & Dohme Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Merck Sharp & Dohme Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Merck Sharp & Dohme Federal Credit Union
4.05%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $405
Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates
Up to 4.15%APY · 3 terms
Minimum balance on all jumbo certificates is $25,000. Rate guaranteed for the term. Daily balance method; interest calculated on a 365-day basis.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsJumbo certificate; minimum balance $25,000 | 4.15% | — |
| 36 monthsJumbo certificate; minimum balance $25,000 | 3.80% | — |
| 60 monthsJumbo certificate; minimum balance $25,000 | 3.90% | — |
Sources (1)
- msdfcu.org/personal/savings/certificates-of-deposit · captured Oct 6, 2026
Special-purpose accounts
Certificates
Up to 4.05%APY · 7 terms
$500 minimum to open any certificate term. Also available as IRA certificates. Rate guaranteed for the term. Daily balance method; interest calculated on a 365-day basis. 10-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance on certificates is $500 | 2.00% | $50 |
| 6 monthsMinimum balance on certificates is $500 | 3.80% | $188 |
| 12 monthsMinimum balance on certificates is $500 | 4.05% | $405 |
| 18 monthsMinimum balance on certificates is $500 | 3.85% | $583 |
| 24 monthsMinimum balance on certificates is $500 | 4.00% | $816 |
| 36 monthsMinimum balance on certificates is $500 | 3.65% | $1,135 |
| 60 monthsMinimum balance on certificates is $500 | 3.75% | $2,021 |
Sources (2)
- msdfcu.org/personal/open-an-account/open-an-account
- msdfcu.org/personal/savings/certificates-of-deposit
All captured Oct 6, 2026
IRA Certificates
Up to 4.05%APY · 7 terms
Certificates are also available as IRA certificates. Same published certificate rate schedule; $500 minimum to open any certificate term. Traditional/Roth/SEP not given distinct CD terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsIRA certificate using the regular certificate schedule. Minimum balance $500 | 2.00% | $50 |
| 6 monthsIRA certificate using the regular certificate schedule. Minimum balance $500 | 3.80% | $188 |
| 12 monthsIRA certificate using the regular certificate schedule. Minimum balance $500 | 4.05% | $405 |
| 18 monthsIRA certificate using the regular certificate schedule. Minimum balance $500 | 3.85% | $583 |
| 24 monthsIRA certificate using the regular certificate schedule. Minimum balance $500 | 4.00% | $816 |
| 36 monthsIRA certificate using the regular certificate schedule. Minimum balance $500 | 3.65% | $1,135 |
| 60 monthsIRA certificate using the regular certificate schedule. Minimum balance $500 | 3.75% | $2,021 |
Who can join Merck Sharp & Dohme Federal Credit Union
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