Credit union · NCUA insured
Mohawk Valley Federal Credit Union CD Rates
Mohawk Valley Federal Credit Union’s best CD rate is 3.90% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Mohawk Valley Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Utica, NY, where Mohawk Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mohawk Valley Federal Credit Union
3.90%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $193
Share Certificates (CDs)
Top rate
Utica Gas & Electric Federal Credit Union
4.60%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $382
2nd-highest rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Minimum
- $50
- Earns on $10,000
- $111
Mohawk Valley Federal Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo2.90%
- QualifiedQualified3.90%
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 Mohawk Valley 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 Certificates (CDs)
Up to 3.90%APY · 4 terms
Early withdrawal penalties may apply. Deposits are federally insured by the NCUA up to at least $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 3.75% | $375 |
| 24 months | 3.65% | $743 |
| 36 months | 2.90% | $895 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Certificate IRA
Up to 4.07%APY · 3 terms
Traditional and Roth IRA options available. Early withdrawal penalties may apply. Deposits are federally insured by the NCUA up to at least $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 4.07% | $617 |
| 24–30 months | 4.07% | $831 |
| 36 months | 3.04% | $941 |
Sources (2)
All captured Sep 17, 2026
Who can join Mohawk Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, and family members of Moody's Polaris or Inserra's Flooring are eligible to join.
Military, government and schools
- Employees, retirees, and family members of SUNY POLY and SUNY Morrisville are eligible to join.
- Employees, retirees, and family members of the Town of Marcy, Town of New Hartford, or Village of New Hartford are eligible to join.
- Employees and retirees of the State of New York working in Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, or Otsego Counties, NY, as well as their immediate family members and organizations of such persons, are eligible to join.
Family and household
- Immediate family members (parent, spouse, child, sibling, grandparent, grandchild, aunt, uncle, cousin, or in-law) of an existing member are eligible to join.
Cost to join
- An initial $5 Share Savings deposit is required to open an account.
Membership information collected October 5, 2026.