Credit union · NCUA insured
Niagara Regional FCU CD Rates
Top CarrotNiagara Regional FCU’s best CD rate is 3.75% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Niagara Regional FCU’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Niagara Regional FCU has the most branches. $10,000, best rate first.
This credit union’s best
Niagara Regional FCU
3.75%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $92
Share Certificates
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Niagara Regional FCU CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo3.75%
- 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 Niagara Regional FCU 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.
Share Certificates
Up to 3.75%APY · 8 terms
Minimum deposit to open is $1,000.00. Dividends paid at maturity. APY is based on assumption interest remains in account until maturity. Early withdrawal penalty applies (3 months of dividends for terms less than 1 year, 6 months for terms more than 1 year). No partial withdrawals.
| Term | APY · Any balance | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsPromo rate requires New Money and $1,000 minimum balance | — | 3.75% | — | 3.75% | $92 |
| 6 months | 0.50% | — | — | 0.50% | $25 |
| 9 monthsPromo rate requires Existing Money and $5,000 minimum balance | — | — | 3.50% | 3.50% | $261 |
| 12 months | 2.00% | — | — | 2.00% | $200 |
| 24 months | 2.25% | — | — | 2.25% | $455 |
| 36 months | 3.00% | — | — | 3.00% | $927 |
| 48 months | 3.25% | — | — | 3.25% | $1,365 |
| 60 months | 3.75% | — | — | 3.75% | $2,021 |
Sources (2)
All captured Sep 17, 2026
Who can join Niagara Regional FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.