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Credit union · NCUA insured

Niagara Falls Air Force Federal Credit Union CD Rates

Niagara Falls Air Force Federal Credit Union’s best CD rate is 1.20% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.

How Niagara Falls Air Force Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Buffalo, NY, where Niagara Falls Air Force Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Niagara Falls Air Force Federal Credit Union

    1.20%APY

    Term
    36 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $364

    Share Certificates

  • Top rate

    HSBC USA

    4.60%APY

    Term
    24 months
    Requires
    Another account
    Minimum
    $1,000
    Earns on $10,000
    $941

    HSBC USA rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Ukrainian Federal Credit Union

    4.50%APY

    Term
    36 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $1,412

    Ukrainian Federal Credit Union rates

Compare CD rates near you →

Niagara Falls Air Force Federal Credit Union CD score

61

CD score

Higher than 4% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo0.30%
  • 9–15 months9–15 mo0.50%
  • 16–30 months16–30 mo1.00%
  • 31–60 months31–60 mo1.20%
  • QualifiedQualified1.20%

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 Niagara Falls Air Force 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.

Who can join Niagara Falls Air Force Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Full time base contracted employees are eligible for membership.
  • Falcon Club employees are eligible for membership.

Military, government and schools

  • Employees of the 107th Air National Guard are eligible for membership.
  • Employees of the 914th Air Wing are eligible for membership.
  • Employees of the Buffalo Army Corp. of Engineers are eligible for membership.
  • Members of all branches of the military (active or retired) are eligible for membership.
1 more way to join

Family and household

  • Spouses, children, grandchildren, brothers and sisters, parents, and grandparents of members are eligible for membership.

Cost to join

  • Membership requires an initial share deposit of $5.00 representing the shareholder's interest in the credit union.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Niagara Falls Air Force Federal Credit Union overview