Credit union · NCUA insured
Radius FCU CD Rates
Radius FCU’s best CD rate is 3.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Radius FCU’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Radius FCU has the most branches. $10,000, best rate first.
This credit union’s best
Radius FCU
3.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $325
Certificates (CDs)
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Radius FCU CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- 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 Radius FCU 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 (CDs)
Up to 3.25%APY · 8 terms
Penalty for early withdrawal. Fixed term ranging from 6 months to 5 years.
| Term | APY · $25 and up | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 2.75% | 2.75% | $137 |
| 9 months | — | 3.00% | 3.00% | $224 |
| 12 months | — | 3.25% | 3.25% | $325 |
| 12 monthsDeposits allowed | 3.25% | — | 3.25% | $325 |
| 18 months | — | 3.00% | 3.00% | $453 |
| 24 months | — | 2.75% | 2.75% | $558 |
| 36 months | — | 2.50% | 2.50% | $769 |
| 48 months | — | 2.25% | 2.25% | $931 |
| 60 months | — | 2.00% | 2.00% | $1,041 |
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.10%APY
IRAs are open to individuals not covered by a qualified private pension or profit-sharing plan, or by a public employee retirement plan. Penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate applies to IRA certificates.Any balance | 0.10% | $10 | Rate applies to IRA certificates. |
Who can join Radius FCU
This may be incomplete or out of date, so check with the credit union before you apply.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, or goes to school in Erie County, New York.
Cost to join
- Joining requires a $25 opening deposit in a Radius savings account.
Membership information collected October 5, 2026.