Credit union · NCUA insured
Niagara's Choice CD Rates
Top CarrotNiagara's Choice’s best CD rate is 0.75% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Niagara's Choice’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Niagara's Choice has the most branches. $10,000, best rate first.
This credit union’s best
Niagara's Choice
0.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $382
Share Certificate (CD)
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's Choice CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.10%
- 31–60 months31–60 mo0.75%
- QualifiedQualified0.75%
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's Choice 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 Certificate (CD)
Up to 0.75%APY · 7 terms
Minimum certificate deposit is $500.00. Dividends are compounded daily and posted/credited quarterly. Penalties apply for early withdrawal prior to certificate maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.10% | $5 |
| 12 months | 0.10% | $10 |
| 24 months | 0.10% | $20 |
| 36 months | 0.25% | $75 |
| 48 months | 0.50% | $202 |
| 60 months | 0.75% | $382 |
Sources (2)
All captured Oct 6, 2026
Who can join Niagara's Choice
This may be incomplete or out of date, so check with the credit union before you apply.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 Niagara or Erie County are eligible for membership.
Cost to join
- An optional checking account deposit of $1.00 is available upon joining.
- An initial deposit of $5.00 in a savings account establishes membership.
Membership information collected October 5, 2026.