Credit union · NCUA insured
Northwood Federal Credit Union CD Rates
Northwood Federal Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Northwood Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Northwood Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northwood Federal Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $3,000
- Earns on $10,000
- $350
Share Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Northwood Federal Credit Union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- QualifiedQualified3.50%
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 Northwood 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.
Share Certificate
Up to 3.50%APY · 3 terms
Minimum Certificate - $3,000.00. Dividends are compounded daily and are payable at maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed Rate. Penalty for early withdrawal: 90 day penalty. Dividends compounded daily, payable at maturity | 3.15% | $156 |
| 12 monthsFixed Rate. Penalty for early withdrawal: 90 day penalty. Dividends compounded daily, payable at maturity | 3.50% | $350 |
| 24 monthsFixed Rate. Penalty for early withdrawal: 180 day penalty. Dividends compounded daily, payable at maturity | 3.50% | $712 |
Who can join Northwood Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is restricted to members of specified groups and credit unions: Northwood Federal Credit Union, CBC FCU, Bright Hope FCU, ECAI FCU, Wesley AME Zion FCU, Reform Congregation Keneseth Israel (Elkins Park), All Saints' Episcopal Church, Victory Lodge # 42 of the Independent Order of Beth Sholom, and Beth Sholom Congregation (Elkins Park).
Family and household
- Immediate family members of a member of Northwood Federal Credit Union, CBC FCU, Bright Hope FCU, ECAI FCU, Wesley AME Zion FCU, Reform Congregation Keneseth Israel (Elkins Park), All Saints' Episcopal Church, Victory Lodge # 42 of the Independent Order of Beth Sholom, or Beth Sholom Congregation (Elkins Park) are eligible to join.
Membership information collected October 5, 2026.