Credit union · NCUA insured
O&R Utilities Employees Federal Credit Union CD Rates
O&R Utilities Employees Federal Credit Union’s best CD rate is 4.07% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How O&R Utilities Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where O&R Utilities Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
O&R Utilities Employees Federal Credit Union
4.07%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,208
Certificate of Deposit
Top rate
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
2nd-highest rate
International Bank of Chicago
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
O&R Utilities Employees Federal Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.71%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.07%
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 O&R Utilities Employees 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 of Deposit
Up to 4.07%APY · 6 terms
Minimum balance to open is $500. Terms offered from 6 to 60 months. Dividends are compounded daily and credited monthly. Early withdrawal penalty applies: 90 days of dividends for maturity dates less than 1 year, and 180 days of dividends for maturity dates of more than 1 year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.71% | $371 |
| 18 months | 3.76% | $569 |
| 24 months | 3.82% | $779 |
| 36 months | 3.87% | $1,207 |
| 60 months | 4.07% | $2,208 |
Who can join O&R Utilities Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- In 2007 the credit union amended its charter to include all entities dealing in electric power generation, transmission, or distribution in various counties throughout New York, New Jersey, and Pennsylvania.
Cost to join
- To become a member, open a share savings account with a minimum balance of $5.00 and no member fee.
Membership information collected October 5, 2026.