Credit union · NCUA insured
Postal Employees Credit Union CD Rates
Postal Employees Credit Union’s best CD rate is 3.60% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Postal Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Trenton, NJ, where Postal Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Postal Employees Credit Union
3.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $325
Certificates
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
First Commerce Bank
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
Postal Employees Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.60%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo1.60%
- QualifiedQualified3.25%
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 Postal Employees 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 3.25%APY · 10 terms
Minimum deposit $500. A penalty will be imposed for the early redemption on certificates.
| Term | APY · $500 – $20,000 | APY · $20,000 – $85,000 | APY · $85,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.35% | 2.55% | 2.85% | 2.35%2.55% $20k–$85k2.85% from $85k | $58 |
| 6 months | 2.60% | 2.65% | 2.85% | 2.60%2.65% $20k–$85k2.85% from $85k | $129 |
| 9 months | 3.10% | 3.25% | 3.55% | 3.10%3.25% $20k–$85k3.55% from $85k | $232 |
| 12 months | 3.25% | 3.50% | 3.60% | 3.25%3.50% $20k–$85k3.60% from $85k | $325 |
| 18 months | 1.10% | 1.20% | 1.30% | 1.10%1.20% $20k–$85k1.30% from $85k | $165 |
| 24 months | 2.00% | 2.20% | 2.25% | 2.00%2.20% $20k–$85k2.25% from $85k | $404 |
| 30 months | 1.30% | 1.40% | 1.50% | 1.30%1.40% $20k–$85k1.50% from $85k | $328 |
| 36 months | 1.50% | 1.60% | 1.80% | 1.50%1.60% $20k–$85k1.80% from $85k | $457 |
| 48 months | 1.25% | 1.30% | 1.45% | 1.25%1.30% $20k–$85k1.45% from $85k | $509 |
| 60 months | 1.60% | 1.70% | 1.80% | 1.60%1.70% $20k–$85k1.80% from $85k | $826 |
Sources (1)
- pecu24.org/rates/certificate-rates · captured Sep 19, 2026
Special-purpose accounts
IRA CDs
Up to 3.30%APY · 10 terms
Minimum deposit $500. A penalty will be imposed for the early redemption on certificates.
| Term | APY · $500 – $20,000 | APY · $20,000 – $85,000 | APY · $85,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.38% | 2.58% | 2.89% | 2.38%2.58% $20k–$85k2.89% from $85k | $59 |
| 6 months | 2.63% | 2.68% | 2.89% | 2.63%2.68% $20k–$85k2.89% from $85k | $131 |
| 9 months | 3.14% | 3.30% | 3.61% | 3.14%3.30% $20k–$85k3.61% from $85k | $235 |
| 12 months | 3.30% | 3.56% | 3.60% | 3.30%3.56% $20k–$85k3.60% from $85k | $330 |
| 18 months | 1.11% | 1.21% | 1.31% | 1.11%1.21% $20k–$85k1.31% from $85k | $167 |
| 24 months | 2.02% | 2.22% | 2.27% | 2.02%2.22% $20k–$85k2.27% from $85k | $408 |
| 30 months | 1.31% | 1.41% | 1.51% | 1.31%1.41% $20k–$85k1.51% from $85k | $331 |
| 36 months | 1.51% | 1.61% | 1.81% | 1.51%1.61% $20k–$85k1.81% from $85k | $460 |
| 48 months | 1.26% | 1.31% | 1.45% | 1.26%1.31% $20k–$85k1.45% from $85k | $514 |
| 60 months | 1.61% | 1.71% | 1.81% | 1.61%1.71% $20k–$85k1.81% from $85k | $831 |
Sources (1)
- pecu24.org/rates/certificate-rates · captured Sep 19, 2026
Who can join Postal Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All staff members of the credit union are eligible to join.
Military, government and schools
- All federal employees who work in the zip code areas of 085xx and 086xx are eligible to join.
Family and household
- Children of a qualified member or the member's spouse are eligible to join.
- Parents of a qualified member or the member's spouse are eligible to join.
- Spouses of qualified members are eligible to join.
Membership information collected October 5, 2026.