Credit union · NCUA insured
Municipal Credit Union CD Rates
Top CarrotMunicipal Credit Union’s best CD rate is 4.07% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Municipal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Municipal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Municipal Credit Union
4.07%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $407
12 Month Share Certificate - $5K New Money
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
Municipal Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.07%
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 Municipal 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.
12 Month Share Certificate - $5K New Money
4.07%APY · 1 term
Requires minimum deposit of $5,000 in New Money (funds not on deposit in any MCU account at account opening/renewal). Must open or renew in person at a branch, via Digital Banking, or mail-in renewal. Additional funds from existing MCU accounts earn stated APY. Automatically renews into standard 12 Month Share Certificate at maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPromotional rate reflecting 0.50% increase on standard 12-month dividend rate. Requires at least $5,000 in New Money deposited directly or transferred from MCU checking/savings within 7 days of deposit | 4.07% | $407 |
Sources (4)
- nymcu.org
- nymcu.org/12-month-share-certificate
- nymcu.org/personal-banking/sav…are-certificate-accounts
- nymcu.org/rates
All captured Oct 16, 2026
Share Certificate
Up to 3.82%APY · 5 terms
Fixed-rate share certificate. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate | 3.30% | $164 |
| 9 monthsFixed rate | 3.30% | $246 |
| 12 monthsFixed rate | 3.56% | $356 |
| 24 monthsFixed rate | 3.56% | $725 |
| 36 monthsFixed rate | 3.82% | $1,190 |
Sources (2)
All captured Oct 16, 2026
Deposit Plus Share Certificate
3.30%APY · 1 term
Fixed-rate share certificate. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFixed rate. Additional deposits are allowed for the 18-month Deposit Plus Share Certificate | 3.30% | $499 |
Sources (1)
- nymcu.org/rates · captured Oct 16, 2026
Secured Visa Share Certificate
3.30%APY · 1 term
Fixed-rate share certificate. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFixed rate. Additional deposits are allowed for the 18-month Secured Visa Share Certificate | 3.30% | $499 |
Sources (1)
- nymcu.org/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.82%APY · 5 terms
Traditional and Roth IRA account options available. Multiple accounts permitted for Share Certificates. Early withdrawal penalties apply, and tax penalties may apply for withdrawals prior to age 59½.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsFixed rate for the full term | — | 3.30% | 3.30% | $164 |
| 12 monthsFixed rate for the full term | — | 3.56% | 3.56% | $356 |
| 18 monthsVariable rate account; rate may change after the account is opened | 3.30% | — | 3.30% | $499 |
| 24 monthsFixed rate for the full term | — | 3.56% | 3.56% | $725 |
| 36 monthsFixed rate for the full term | — | 3.82% | 3.82% | $1,190 |
Sources (3)
- nymcu.org/personal-banking/iras/fixed-rate
- nymcu.org/personal-banking/iras/flexible-rate
- nymcu.org/rates
All captured Oct 16, 2026
Who can join Municipal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in New York City (NYC).
Military, government and schools
- Membership is open to employees of New York State or Federal government agencies based in New York.
Family and household
- Membership is open to immediate family members or household members of existing MCU members.
Membership information collected October 5, 2026.