Credit union · NCUA insured
Mountain Laurel Federal Credit Union CD Rates
Top CarrotMountain Laurel Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Mountain Laurel Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bradford, PA, where Mountain Laurel Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain Laurel Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
Honors Certificate
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
3rd-highest rate
Juniata Valley Bank
3.60%APY
- Term
- 48–59 months
- Minimum
- $1,000
- Earns on $10,000
- —
Mountain Laurel Federal Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.75%
- QualifiedQualified4.00%
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 Mountain Laurel 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.
Honors Certificate
4.00%APY · 1 term
Offered under the Laurel Honors Program for qualifying community members. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
Share Certificate
Up to 3.95%APY · 3 terms
Early withdrawal penalty is 90 days' dividends, including principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.95% | $395 |
| 24 months | 3.75% | $764 |
Special-purpose accounts
IRA Share Certificate
Up to 3.50%APY · 2 terms
Available for Traditional and Roth IRAs with terms from 1 to 2 years. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 3.00% | $609 |
Sources (2)
All captured Oct 9, 2026
Who can join Mountain Laurel 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in Elk, Cameron, McKean, Warren, Potter, or Forest County in Pennsylvania are eligible for membership.
Family and household
- Immediate family members of all current members of Mountain Laurel FCU are eligible for membership.
Cost to join
- An initial deposit of $5.25 is required to establish membership.
Membership information collected October 5, 2026.