Credit union · NCUA insured
Public Service Federal Credit Union CD Rates
Public Service Federal Credit Union’s best CD rate is 3.67% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Public Service Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Public Service Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Public Service Federal Credit Union
3.67%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $182
Certificate 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
Public Service Federal Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.67%
- 9–15 months9–15 mo3.57%
- 16–30 months16–30 mo3.47%
- 31–60 months31–60 mo2.72%
- QualifiedQualified3.67%
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 Public Service 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.
Certificate Account
Up to 3.67%APY · 6 terms
After opening, additions cannot be made until maturity. Early withdrawal penalty of 90 days' worth of interest may be imposed. Account automatically renews at maturity with a 10 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.67% | $182 |
| 12 months | 3.57% | $357 |
| 24 months | 3.47% | $706 |
| 36 months | 2.72% | $838 |
| 48 months | 2.62% | $1,090 |
| 60 months | 2.52% | $1,325 |
Sources (2)
All captured Sep 19, 2026
Who can join Public Service Federal Credit Union
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