Credit union · NCUA insured
Quorum Federal Credit Union CD Rates
Top CarrotQuorum Federal Credit Union’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Quorum Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Quorum Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Quorum Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $450
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
Quorum Federal Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.40%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.15%
- 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 Quorum 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 4.50%APY · 8 terms
Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 1.75% | $43 |
| 6 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.40% | $218 |
| 12 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.50% | $450 |
| 18 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.00% | $606 |
| 24 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.00% | $816 |
| 36 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.00% | $1,249 |
| 48 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.15% | $1,766 |
| 60 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.15% | $2,255 |
Sources (4)
- quorumfcu.org
- quorumfcu.org/savings/term-savings
- quorumfcu.org/ppc-campaign-term-savings
- quorumfcu.org/rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Term Account
Up to 4.50%APY · 8 terms
Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required. Individual Retirement Accounts (IRA) are insured separately up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 1.75% | $43 |
| 6 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.40% | $218 |
| 12 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.50% | $450 |
| 18 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.00% | $606 |
| 24 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.00% | $816 |
| 36 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.00% | $1,249 |
| 48 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.15% | $1,766 |
| 60 monthsSingle tier. Dividends compounded and paid monthly. Early withdrawal penalty applies | 4.15% | $2,255 |
Sources (3)
All captured Oct 5, 2026
Who can join Quorum Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who does not qualify through a partner company or family relationship can join through the American Consumer Council (ACC) at no cost during the online application.
Employers and groups
- Employees or retirees of Quorum partner companies (Select Employee Groups) are eligible for membership.
- Employees of Quorum are eligible for membership.
Family and household
- Family members of Quorum employees and family or household members of existing Quorum members are eligible for membership.
Cost to join
- Membership in Quorum is free.
Membership information collected October 5, 2026.