Credit union · NCUA insured
Picatinny Federal Credit Union CD Rates
Picatinny Federal Credit Union’s best CD rate is 3.66% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Picatinny Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Picatinny Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Picatinny Federal Credit Union
3.66%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $554
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
Picatinny Federal Credit Union CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.61%
- 16–30 months16–30 mo3.66%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.66%
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 Picatinny 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 3.66%APY · 7 terms
The minimum balance required to open a Certificate is $500.00. Must open a savings account with a minimum deposit of $5.00 to qualify for membership. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 30 days' dividends for terms of 6 months. Fixed rate, dividends compounded monthly and credited monthly | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty of 60 days' dividends for terms of 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.61% | $361 |
| 18 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.66% | $554 |
| 24 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $725 |
| 36 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $1,106 |
| 48 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $1,502 |
| 60 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $1,911 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 3.66%APY · 6 terms
Certificates are perfect for short- or long-term investments. To qualify for membership, you must open a savings account with a minimum deposit of $5.00. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty of 60 days' dividends for terms of 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.61% | $361 |
| 18 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.66% | $554 |
| 24 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $725 |
| 36 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $1,106 |
| 48 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $1,502 |
| 60 monthsEarly withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly | 3.56% | $1,911 |
Sources (2)
All captured Oct 15, 2026
Who can join Picatinny 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
- Membership is open to individuals who live, work, worship, or go to school in Morris, Essex, Somerset, and Union counties.
Family and household
- Immediate family members of members are eligible to join regardless of where they live or work.
Cost to join
- Joining requires opening a savings account with a minimum deposit of $5.
Membership information collected October 5, 2026.