Credit union · NCUA insured
Money Federal Credit Union CD Rates
Money Federal Credit Union’s best CD rate is 2.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Money Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Money Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Money Federal Credit Union
2.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $275
Certificates
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Money Federal Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.00%
- QualifiedQualified2.75%
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 Money 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.
Certificates
Up to 4.75%APY · 8 terms
$500 minimum to open. Fixed rate. Early withdrawal penalties may apply and reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownSpecial rate for new money only | 4.75% | $0 |
| 6 months | 1.50% | $75 |
| 12 months | 2.75% | $275 |
| 18 months | 1.75% | $264 |
| 24 months | 1.75% | $353 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Special-purpose accounts
IRA Certificate
Up to 2.75%APY · 5 terms
$500 minimum deposit to open. Early withdrawal penalty may apply. Available as Traditional, Roth, or SEP/Coverdell retirement options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
| 24 months | 1.75% | $353 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Sources (3)
All captured Oct 5, 2026
Who can join Money Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- To qualify for a business bank account, applicants must prove residency and business ownership in Onondaga, Oswego, Cayuga, or Madison county.
Cost to join
- The minimum deposit to open a business bank account is $5.
Membership information collected October 5, 2026.