Credit union · NCUA insured
People's Alliance Federal Credit Union CD Rates
People's Alliance Federal Credit Union’s best CD rate is 4.05% APY on a 10-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How People's Alliance Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where People's Alliance Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
People's Alliance Federal Credit Union
4.05%APY
- Term
- 10 months
- Minimum
- $1,000
- Earns on $10,000
- $336
Share Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
People's Alliance Federal Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.97%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.14%
- 31–60 months31–60 mo2.87%
- QualifiedQualified4.05%
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 People's Alliance 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.
Share Certificate
Up to 4.05%APY · 11 terms
Fixed rate. Dividends are earned daily, compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of principal; paid dividends are available for withdrawal. Account renews automatically at maturity with a 7 calendar day grace period. Credit union membership required ($5.00 par value share).
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 1.64% | 1.64% | $41 |
| 6 months | — | 3.76% | 3.76% | $186 |
| 8 monthsSpecial rate available for a limited time. Minimum opening deposit of $1,000 required. Available for new money only (money not currently on deposit or held by PAFCU within the past 12 months) | 3.97% | — | 3.97% | $263 |
| 9 months | — | 2.07% | 2.07% | $155 |
| 10 monthsSpecial rate available for a limited time. Minimum opening deposit of $1,000 required. Available for new money only (money not currently on deposit or held by PAFCU within the past 12 months) | 4.05% | — | 4.05% | $336 |
| 11 months | — | 3.56% | 3.56% | $326 |
| 12 months | — | 1.85% | 1.85% | $185 |
| 24 months | — | 2.53% | 2.53% | $512 |
| 36 months | — | 2.24% | 2.24% | $687 |
| 48 months | — | 2.24% | 2.24% | $927 |
| 60 months | — | 2.87% | 2.87% | $1,520 |
Sources (4)
- pafcu.org/_pdfs/pafcu-truth-in-saving.pdf
- pafcu.org/products-services/rates.php
- pafcu.org/products-services/savings-accounts.php
- pafcu.org
All captured Sep 17, 2026
Bump-Up Share Certificate Account
3.14%APY · 1 term
Fixed rate with bump-up option. Dividends are earned daily, compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of principal balance. Renews automatically at maturity with a 7 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.14% | $475 |
Sources (2)
All captured Oct 5, 2026
Building Share Certificate Account
1.99%APY · 1 term
Fixed rate. Dividends compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of funds before maturity. Renews automatically at maturity with a 7 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.99% | $199 |
Sources (2)
All captured Oct 5, 2026
Education Share Certificate
1.99%APY · 1 term
Fixed rate certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.99% | $199 |
Sources (1)
- pafcu.org/products-services/rates.php · captured Oct 5, 2026
Lucky Savers
1.99%APY · 1 term
A Lucky Savers Account is a 12 month Building Share Certificate for PAFCU Members 18 years and older. Fixed rate certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.99% | $199 |
Sources (1)
- pafcu.org/products-services/rates.php · captured Oct 16, 2026
Special-purpose accounts
Young Adult Share Certificate Account
2.24%APY · 1 term
Available for members ages 13 through 25. Fixed rate. Dividends compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal. Renews automatically at maturity with a 7 calendar day grace period. Upon reaching 26th birthday, the account is closed and the balance is transferred to a Building Share Certificate Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.24% | $224 |
Sources (2)
All captured Oct 5, 2026
Youth Share Certificate Account
2.24%APY · 1 term
Available for members ages 17 and younger. Fixed rate. Dividends compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal. No additional deposits allowed prior to maturity. When the member reaches their 18th birthday, the account is closed and entire balance is transferred to a Prime Share Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.24% | $224 |
Sources (2)
All captured Oct 5, 2026
Who can join People's Alliance Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, or attends school in select geographical areas in NY and FL.
Employers and groups
- Individuals can qualify for membership by joining the American Consumer Council (ACC) or the New York Credit Union Foundation (NYCUF), with membership covered by PAFCU.
- Employees of more than 400 PAFCU partner companies can apply for membership.
Family and household
- Family members of current members, including immediate relatives and relatives by marriage or adoption, are eligible for membership.
- Family members of employees of more than 400 PAFCU partner companies can apply for membership.
Membership information collected October 5, 2026.