Credit union · NCUA insured
New Cumberland Federal Credit Union CD Rates
New Cumberland Federal Credit Union’s best CD rate is 3.14% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How New Cumberland Federal Credit Union’s CD rates compare
Compared with banks and credit unions near York, PA, where New Cumberland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New Cumberland Federal Credit Union
2.89%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $289
Certificates (CD)
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
New Cumberland Federal Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo1.31%
- 9–15 months9–15 mo2.89%
- 16–30 months16–30 mo2.63%
- 31–60 months31–60 mo2.27%
- QualifiedQualified2.89%
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 New Cumberland 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 (CD)
Up to 2.89%APY · 5 terms
Federally insured by NCUA up to $250,000. Substantial penalty for early withdrawals. Fees could reduce earnings.
| Term | APY · $500 – $10,000 | APY · $10,001 – $50,000 | APY · $50,001 – $100,000 | APY · $100,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 1.31% | 1.36% | 1.46% | 1.56% | 1.31%1.36% $10k–$50k1.46% $50k–$100k1.56% from $100k | $65 |
| 12 months | 2.89% | 2.94% | 3.04% | 3.14% | 2.89%2.94% $10k–$50k3.04% $50k–$100k3.14% from $100k | $289 |
| 18 months | 2.63% | 2.68% | 2.78% | 2.89% | 2.63%2.68% $10k–$50k2.78% $50k–$100k2.89% from $100k | $397 |
| 30 months | 1.92% | 1.97% | 2.07% | 2.17% | 1.92%1.97% $10k–$50k2.07% $50k–$100k2.17% from $100k | $487 |
| 60 months | 2.27% | 2.32% | 2.43% | 2.53% | 2.27%2.32% $10k–$50k2.43% $50k–$100k2.53% from $100k | $1,188 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA CD Education
Up to 2.63%APY · 3 terms
Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Custodial or trust account for qualified education expenses. Contribution rules: minimum deposit of $500 and maximum of $2000 per child per year until age 18.
| Term | APY · $500 – $10,000 | APY · $10,001 – $50,000 | APY · $50,001 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 18 months | 2.63% | 2.68% | 2.78% | 2.89% | 2.63%2.68% $10k–$50k2.78% $50k–$100k2.89% from $100k | $397 |
| 30 months | 1.92% | 1.97% | 2.07% | 2.17% | 1.92%1.97% $10k–$50k2.07% $50k–$100k2.17% from $100k | $487 |
| 60 months | 2.27% | 2.32% | 2.43% | 2.53% | 2.27%2.32% $10k–$50k2.43% $50k–$100k2.53% from $100k | $1,188 |
IRA CD Traditional & Roth
Up to 2.63%APY · 3 terms
Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Minimum deposit of $2,000.
| Term | APY · $2,000 – $10,000 | APY · $10,001 – $50,000 | APY · $50,001 – $100,000 | APY · $100,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 18 months | 2.63% | 2.68% | 2.78% | 2.89% | 2.63%2.68% $10k–$50k2.78% $50k–$100k2.89% from $100k | $397 |
| 30 months | 1.92% | 1.97% | 2.07% | 2.17% | 1.92%1.97% $10k–$50k2.07% $50k–$100k2.17% from $100k | $487 |
| 60 months | 2.27% | 2.32% | 2.43% | 2.53% | 2.27%2.32% $10k–$50k2.43% $50k–$100k2.53% from $100k | $1,188 |
Who can join New Cumberland 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, study, worship, or volunteer in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Family and household
- Individuals who have a family member living in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Cost to join
- Opening a Regular Savings Account with at least $5.00 is required to join NCFCU.
Membership information collected October 5, 2026.