Credit union · NCUA insured
NY TEAM Federal Credit Union CD Rates
NY TEAM Federal Credit Union’s best CD rate is 4.40% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How NY TEAM Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where NY TEAM Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NY TEAM Federal Credit Union
4.40%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $553
Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
NY TEAM Federal Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.20%
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.
Where NY TEAM 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.
Certificate
Up to 4.40%APY · 12 terms
Restricting each member to purchasing certificates (CDs) worth a maximum of $100,000. Early withdrawal penalties apply. Interest compounds daily and is posted monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.75% | $186 |
| 9 months | 4.00% | $299 |
| 12 months | 4.20% | $420 |
| 15 monthsNew money only special | 4.40% | $553 |
| 16 months | 3.50% | $469 |
| 18 months | 4.30% | $652 |
| 24 months | 3.50% | $712 |
| 30 months | 2.50% | $637 |
| 36 months | 2.75% | $848 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.20%APY · 3 terms
Restricting each member to purchasing certificates (CDs) worth a maximum of $100,000. Early withdrawal penalties apply. Interest compounds daily and is posted monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.20% | $420 |
| 24 months | 3.50% | $712 |
| 36 months | 2.75% | $848 |
Sources (3)
- teamfcu.org/saving/savings-rates
- teamfcu.org/saving/savings-rates/certificate-accounts
- teamfcu.org/savings-rates/banking-savings-accounts
All captured Oct 16, 2026
Who can join NY TEAM Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of qualifying select employer groups and organizations (including Long Island Rail Road, MTA, Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, Aeroflex, Eagle Electric, This Week Publications, Visiting Nurses, NCC, and White Rose) are eligible for membership.
- Employees of Credit Union Trade Associations (including NY TEAM Federal Credit Union, N.Y. Credit Union League, Credit Union National Association in Washington, and National Association of Federal Credit Unions) are eligible for membership.
Family and household
- Any relative by blood or marriage of a current NY TEAM Federal Credit Union member is eligible to join regardless of where they live or work.
Cost to join
- A deposit of $1.00 must be deposited and maintained in a regular share account to open and maintain membership.
Membership information collected October 5, 2026.