Credit union · NCUA insured
PSFCU CD Rates
PSFCU’s best CD rate is 3.50% APY on a 3-year share certificate (CD). Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How PSFCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where PSFCU has the most branches. $10,000, best rate first.
This credit union’s best
PSFCU
3.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,087
Term Share Account
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
PSFCU CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo0.55%
- 9–15 months9–15 mo1.20%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 PSFCU 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.
Term Share Account
Up to 3.50%APY · 11 terms
Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
| Term | APY · $500 – $49,999 | APY · $50,000 – $89,999 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 0.50% | 0.50% | 0.50% | 0.50%0.50% $50k–$90k0.50% from $90k | $12 |
| 6 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 0.55% | 0.55% | 0.55% | 0.55%0.55% $50k–$90k0.55% from $90k | $27 |
| 9 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 0.65% | 0.65% | 0.65% | 0.65%0.65% $50k–$90k0.65% from $90k | $49 |
| 12 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 1.20% | 1.35% | 1.50% | 1.20%1.35% $50k–$90k1.50% from $90k | $120 |
| 18 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 2.25% | 2.50% | 2.75% | 2.25%2.50% $50k–$90k2.75% from $90k | $339 |
| 24 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $609 |
| 30 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 2.75% | 3.00% | 3.25% | 2.75%3.00% $50k–$90k3.25% from $90k | $702 |
| 36 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$90k3.50% from $90k | $1,087 |
| 48 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $1,255 |
| 60 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $1,593 |
| 72 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $1,941 |
Sources (1)
- psfcu.com/about-us/terms-and-conditions/rates · captured Oct 6, 2026
Special-purpose accounts
Term Share IRA/ESA Account
Up to 3.50%APY · 11 terms
Includes Traditional, Roth, SEP and SIMPLE IRAs as well as ESA. Early withdrawal penalties may apply. Minimum to earn disclosed APY is $500. Rates subject to change without prior notice.
| Term | APY · $500 – $49,999 | APY · $50,000 – $89,999 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 0.50% | 0.50% | 0.50% | 0.50%0.50% $50k–$90k0.50% from $90k | $12 |
| 6 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 0.55% | 0.55% | 0.55% | 0.55%0.55% $50k–$90k0.55% from $90k | $27 |
| 9 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 0.65% | 0.65% | 0.65% | 0.65%0.65% $50k–$90k0.65% from $90k | $49 |
| 12 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 1.20% | 1.35% | 1.50% | 1.20%1.35% $50k–$90k1.50% from $90k | $120 |
| 18 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 2.25% | 2.50% | 2.75% | 2.25%2.50% $50k–$90k2.75% from $90k | $339 |
| 24 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $609 |
| 30 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 2.75% | 3.00% | 3.25% | 2.75%3.00% $50k–$90k3.25% from $90k | $702 |
| 36 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$90k3.50% from $90k | $1,087 |
| 48 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $1,255 |
| 60 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $1,593 |
| 72 monthsMinimum to earn disclosed APY is $500. Early withdrawal penalties may apply | 3.00% | 3.25% | 3.50% | 3.00%3.25% $50k–$90k3.50% from $90k | $1,941 |
Sources (1)
- psfcu.com/about-us/terms-and-conditions/rates · captured Oct 6, 2026
Who can join PSFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to members of one of the ten sponsoring organizations.
Cost to join
- Opening a savings account and making a deposit of $10 is required to join.
Membership information collected October 5, 2026.