Credit union · NCUA insured
North Towns FCU CD Rates
North Towns FCU’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How North Towns FCU’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where North Towns FCU has the most branches. $10,000, best rate first.
This credit union’s best
North Towns FCU
3.75%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $186
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
North Towns FCU CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- 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 North Towns 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 · 5 terms
Minimum deposit is $500.00. Early withdrawal penalty is loss of one month's dividends plus loss of earnings that would have been earned in the quarter withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are posted on a quarterly basis | 3.75% | $186 |
| 12 monthsDividends are posted on a quarterly basis | 3.50% | $350 |
| 24 monthsDividends are posted on a quarterly basis | 3.50% | $712 |
| 36 monthsDividends are posted on a quarterly basis | 3.25% | $1,007 |
| 48 monthsDividends are posted on a quarterly basis | 3.00% | $1,255 |
Sources (1)
- northtownsfcu.com/services.php · captured Sep 17, 2026
Lucky Saver Certificate
3.50%APY · 1 term
Special one-year Lucky Saver Share Certificate with chances to win $5,000 quarterly prizes plus monthly cash prizes. Minimum deposit is $25.00. Early withdrawal penalty is loss of one month's dividends plus loss of earnings that would have been earned in the quarter withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends are posted on a quarterly basis | 3.50% | $350 |
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 5 terms
Minimum deposit is $500.00. Early withdrawal penalty is loss of one month's dividends plus loss of earnings that would have been earned in the quarter withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are posted on a quarterly basis | 3.75% | $186 |
| 12 monthsDividends are posted on a quarterly basis | 3.50% | $350 |
| 24 monthsDividends are posted on a quarterly basis | 3.50% | $712 |
| 36 monthsDividends are posted on a quarterly basis | 3.25% | $1,007 |
| 48 monthsDividends are posted on a quarterly basis | 3.00% | $1,255 |
Sources (1)
- northtownsfcu.com/services.php · captured Sep 17, 2026
Who can join North Towns FCU
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