Credit union · NCUA insured
Nassau Financial Federal Credit Union CD Rates
Nassau Financial Federal Credit Union’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Nassau Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Nassau Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Nassau Financial Federal Credit Union
3.75%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $343
Personal Certificate
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
Nassau Financial Federal Credit Union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.75%
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 Nassau Financial 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.
Personal Certificate
Up to 4.00%APY · 9 terms
Membership open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, and immediate family members. $5 deposit into a Share Savings Account required. A penalty may be charged for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 9 monthsStandard rate without $5,000 new money deposit or active checking/loan relationship | 3.25% | $243 |
| 9 monthsWith a $5,000 deposit in new money, or maintain an active checking account and/or have an active loan with the credit union to waive new money requirement | 3.50% | $261 |
| 11 monthsRequires $50,000 deposit in new money | 4.00% | $366 |
| 11 monthsStandard rate without $5,0000 deposit in new money | 3.75% | $343 |
| 12 months | 1.25% | $125 |
| 18 months | 1.00% | $150 |
| 24 months | 1.25% | $252 |
| 36 months | 3.00% | $927 |
| 48 months | 2.25% | $931 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Future Builder Certificate
Up to 4.00%APY · 1 term
Designed specifically for eligible student members. Maximum certificate balance is $5,000. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to students with a VIBE Checking account | 4.00% | — |
| 12 monthsStandard student rate available to students without a VIBE Checking account | 3.50% | — |
Sources (2)
All captured Sep 17, 2026
Who can join Nassau Financial 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
- Individuals who live, work, worship, attend school, or volunteer in Nassau County and portions of Suffolk County, New York are eligible for membership.
Family and household
- Eligible members of the immediate family (including stepparents, stepchildren, step-siblings, and adoptive relationships) or household of qualifying individuals are eligible for membership.
Membership information collected October 5, 2026.