Credit union · NCUA insured
Ontario Shores FCU CD Rates
Top CarrotOntario Shores FCU’s best CD rate is 4.25% APY on a 15-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Ontario Shores FCU’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Ontario Shores FCU has the most branches. $10,000, best rate first.
This credit union’s best
Ontario Shores FCU
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $210
Share Certificates
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
Ontario Shores FCU CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 Ontario Shores FCU 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 Special
4.25%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 4.25% | $534 |
Sources (1)
- osfcu.com/rates · captured Oct 6, 2026
Share Certificates
4.25%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.25% | $210 |
| 12 months | 4.25% | $425 |
| 24 months | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
Special-purpose accounts
IRA Certificates
4.25%APY · 5 terms
Available in Traditional, Roth and Education IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.25% | $210 |
| 12 months | 4.25% | $425 |
| 24 months | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
Who can join Ontario Shores FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, volunteer, or attend school in Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, or Steuben counties in Western New York.
Membership information collected October 5, 2026.