Credit union · NCUA insured
Palisades Credit Union CD Rates
Top CarrotPalisades Credit Union’s best CD rate is 5.00% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Palisades Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Palisades Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Fixed-Rate Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
3rd-highest rate
E*TRADE from Morgan Stanley
4.75%APY
- Term
- 12 months
- Minimum
- $0
- Earns on $10,000
- $475
Palisades Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo5.00%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo0.10%
- QualifiedQualified5.00%
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 Palisades 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.
Fixed-Rate Certificates
Up to 5.00%APY · 11 terms
Flexible terms from 3 to 60 months. Can be pledged as collateral for a secured loan. Requires a $500 minimum opening deposit. Early withdrawal penalties may apply; fees may reduce earnings on account.
| Term | APY · $500 – $10,000 | APY · $500 and up | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $150,000 | APY · $150,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $2 |
| 4 months | — | 4.00% | — | — | — | — | 4.00% | $132 |
| 6 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $5 |
| 11 monthsNew money only. New money is money that is not currently on deposit at Palisades Credit Union; funds transferred from an existing Palisades Credit Union account are not eligible | — | 5.00% | — | — | — | — | 5.00% | $457 |
| 12 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $10 |
| 16 months | — | 4.50% | — | — | — | — | 4.50% | $604 |
| 18 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $15 |
| 24 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $20 |
| 36 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $30 |
| 48 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $40 |
| 60 months | 0.05% | — | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $50 |
Special-purpose accounts
IRA Certificate
0.10%APY · 5 terms
Fixed dividend rate and a specified term while saving for retirement. Early withdrawal penalties may apply. IRA eligibility, contribution, distribution, and tax rules also apply. Minimum $500 opening deposit is required.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $150,000 | APY · $150,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 12 months | 0.05% | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $10 |
| 24 months | 0.05% | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $20 |
| 36 months | 0.05% | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $30 |
| 48 months | 0.05% | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $40 |
| 60 months | 0.05% | 0.10% | 0.15% | 0.20% | 0.20% | 0.10%0.05% $500–$10k0.15% $50k–$100k0.20% $100k–$150k0.20% from $150k | $50 |
Who can join Palisades Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or study in Rockland County, NY or Bergen County, NJ are eligible for membership.
Employers and groups
- Employees of Select Employer Groups (SEGs) are eligible to join.
Family and household
- Individuals who have an immediate family member who is already a member are eligible to join.
- Individuals who live with someone who qualifies for membership are eligible to join.
Cost to join
- Membership is free with a $5 minimum deposit required to open a savings account.
Membership information collected October 5, 2026.