Credit union · NCUA insured
ONE Credit Union CD Rates
Top CarrotONE Credit Union’s best CD rate is 3.45% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How ONE Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where ONE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ONE Credit Union
3.45%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $345
Term Share Certificate
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
ONE Credit Union CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.07%
- 31–60 months31–60 mo3.07%
- QualifiedQualified3.45%
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 ONE 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.
Term Share Certificate
Up to 3.45%APY · 5 terms
Membership open to any person who lives, works, worships, or goes to school in Erie County, New York. Early withdrawal penalties apply except for monthly interest withdrawals. Interest is compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.45% | $345 |
| 24 months | 3.07% | $623 |
| 36 months | 3.07% | $949 |
| 48 months | 3.07% | $1,285 |
Sources (3)
- onecreditunion.org/personal-ba…g/term-share-certificate
- onecreditunion.org/rates/savings-account-interest
- onecreditunion.org
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 3.45%APY · 5 terms
Membership open to any person who lives, works, worships, or goes to school in Erie County, New York. Early withdrawal penalties apply except for monthly interest withdrawals. Interest is compounded and credited monthly. No account fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.45% | $345 |
| 24 months | 3.07% | $623 |
| 36 months | 3.07% | $949 |
| 48 months | 3.07% | $1,285 |
Who can join ONE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who either lives, works, worships, or goes to school in Erie County, New York.
Membership information collected October 5, 2026.