Credit union · NCUA insured
Pittsford Federal Credit Union CD Rates
Top CarrotPittsford Federal Credit Union’s best CD rate is 4.50% APY on a 3-year share certificate (CD). Terms run from 1 month to 4 years. Rates checked October 16, 2026.
How Pittsford Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Pittsford Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pittsford Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $1,412
Certificates
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Pittsford Federal Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Pittsford 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.
Certificates
Up to 4.50%APY · 7 terms
Dividends compounded and credited monthly to regular share account. Early withdrawal penalty applies: lesser of dividends since issuance/renewal or 90 days dividends for terms under 24 months; lesser of dividends since issuance/renewal or 180 days dividends for terms 24 months or greater.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.25% | $10 |
| 6 months | 4.00% | $198 |
| 12 months | 4.25% | $425 |
| 18 months | 4.25% | $644 |
| 24 months | 4.25% | $868 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.50% | $1,925 |
Sources (3)
- pittsfordfcu.org/disclosures/certificates
- pittsfordfcu.org/personal-acco…nal-banking/certificates
- pittsfordfcu.org/rates
All captured Oct 9, 2026
Special-purpose accounts
In The Money Certificate
5.00%APY · 1 term
Part of In The Money Youth Account. Member must be 21 or less to qualify. One account per minor member. 12 Month Certificate automatically renews until minor turns 21. No penalty for early withdrawal. Dividends posted to share account monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum rate 5.00% APY. Minimum investment $50, maximum investment $500, additional minimum investment $50.00 | 5.00% | — |
Sources (1)
- pittsfordfcu.org/personal-acco…l-banking/youth-accounts · captured Oct 9, 2026
IRA Certificates
Up to 4.50%APY · 7 terms
Applies to Traditional IRA and Roth IRA certificates. Dividends compounded and credited monthly. Early withdrawal penalty applies; no annual fees, no withdrawal or transfer fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.25% | $10 |
| 6 months | 4.00% | $198 |
| 12 months | 4.25% | $425 |
| 18 months | 4.25% | $644 |
| 24 months | 4.25% | $868 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.50% | $1,925 |
Sources (3)
- pittsfordfcu.org/personal-acco…nal-banking/certificates
- pittsfordfcu.org/personal-acco…aditional-iras-roth-iras
- pittsfordfcu.org/rates
All captured Oct 9, 2026
Who can join Pittsford 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 anyone who lives, works, worships, volunteers, or attends school in the communities served by Pittsford Federal Credit Union.
Family and household
- Membership is open to immediate relatives or permanent household members of a current or eligible member.
Cost to join
- A minimum deposit of $5.00 and maintaining a $5 balance in Savings or Checking is required to establish and maintain membership.
Membership information collected October 5, 2026.