New Century Federal Credit Union CD Rates

How New Century Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Chicago, IL-IN, where New Century Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
New Century Federal Credit Union
4.36%APY
Term
13 months
Minimum
$1,000
Earns on $10,000
$473
Certificates of Deposit
Top rate
Vicinity Credit Union
5.15%APY
Term
13 months
Minimum
$1,000
Earns on $10,000
$559
Vicinity Credit Union rates
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
Term
60 months
Minimum
$1,000
Earns on $10,000
$2,836
Whiting Refinery Federal Credit Union rates

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CD score

Higher than 54% of U.S. banks and credit unions

By term

3–8 months3–8 mo1.26%
9–15 months9–15 mo4.36%
16–30 months16–30 mo2.42%
31–60 months31–60 mo2.93%
QualifiedQualified4.36%

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.

How the score works →

Where New Century 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 of Deposit

Up to 4.36%APY · 7 termsPromotionalFrom $1,000 to open

Share certificates; $1,000 minimum deposit. Dividends paid quarterly and at maturity. Must maintain the $1,000 minimum average daily balance to obtain the disclosed APY. Early withdrawal penalty may be imposed and may reduce principal (30 days dividends for 6-month; 90 days for 1-year; 180 days for 2–5 year). One month prior to maturity, notice is given to withdraw or roll over.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty: 30 days dividends	1.26%	$63
12 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty: 90 days dividends	2.27%	$227
13 months13 month Special. APY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply	4.36%	$473
24 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty: 180 days dividends	2.42%	$490
36 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty: 180 days dividends	2.52%	$775
48 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty: 180 days dividends	2.73%	$1,138
60 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty: 180 days dividends	2.93%	$1,553

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

Traditional IRA and Roth IRA Certificates of Deposit

Up to 4.36%APY · 6 termsIRAPromotionalFrom $1,000 to open

Traditional IRA and Roth IRA certificates share this schedule; $1,000 minimum balance. Dividends paid quarterly and at maturity. Must maintain the $1,000 minimum average daily balance to obtain the disclosed APY. Early withdrawal penalty may be imposed and may vary by term. No 6-month IRA term is published on the rate table.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply and may vary by term	2.27%	$227
13 months13 Month Special. APY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply	4.36%	$473
24 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply and may vary by term	2.42%	$490
36 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply and may vary by term	2.52%	$775
48 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply and may vary by term	2.73%	$1,138
60 monthsAPY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply and may vary by term	2.93%	$1,553

Sources (2)

All captured Oct 6, 2026

Who can join New Century 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

Membership is open to anyone living or working on the east side of Joliet or specific areas of Crest Hill, Lockport, or Rockdale.

Employers and groups

Membership is open to individuals who work for one of New Century's partner payroll groups.

Family and household

Membership is open to immediate family members of a New Century FCU member.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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