Credit union · NCUA insured
Oneida County Federal Credit Union CD Rates
A $13.8M credit union headquartered in Utica, NY, with 1,488 members and 1 branch in New York.
How Oneida County Federal Credit Union’s CD rates compare
Compared with banks and credit unions in New York, where Oneida County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oneida County Federal Credit Union
3.56%APY
- Term
- —
- Minimum
- $0
- Earns on $10,000
- $0
CD
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CD
3.56%APY
Please call our office for current CD rates. Rates are subject to change. Other terms and conditions apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCurrent rate is 3.5%. Please call to confirm.Any balance | 3.56% | $356 | Current rate is 3.5%. Please call to confirm. |
Sources (1)
- oneidacfcu.org/shares · captured Sep 17, 2026
Who can join Oneida County Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current or former employees of Central New York Abstract Corporation (in the Oneida County Clerk's Office) are eligible for membership.
Military, government and schools
- Current or former employees of specified government and municipal entities (Oneida County, Water Board, Village of Clinton, Village of Yorkville, Village of Waterville, Village of Whitesboro, Town of New Hartford, City Of Utica, State of New York (Courts), Municipal Housing Authority, Village of New Hartford, Town of Vienna, New York Mills, Oneida County Solid Waste Authority) are eligible for membership.
Family and household
- Immediate family members of current or former employees of qualifying employer and municipal groups are eligible for membership.
Membership information collected October 5, 2026.