Credit union · NCUA insured
Reliant Credit Union CD Rates
Reliant Credit Union’s best CD rate is 3.85% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Reliant Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Reliant Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Reliant Credit Union
3.85%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $385
Investor Certificate
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Reliant Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.85%
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 Reliant 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.
Investor Certificate
Up to 3.85%APY · 7 terms
Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.85% | $385 |
| 18 months | 3.70% | $560 |
| 24 months | 3.60% | $733 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Starter Certificate
Up to 3.75%APY · 3 terms
No minimum initial deposit required. Additional deposits may be made at any time up until maturity through direct deposit, online banking, phone, or in a branch. Early withdrawal penalty is 180 days of dividends. Automatically renews at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
| 24 months | 3.50% | $712 |
| 36 months | 3.35% | $1,039 |
Special-purpose accounts
IRA Certificate
Up to 3.85%APY · 7 terms
Available as Traditional and Roth IRA Certificates. Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.85% | $385 |
| 18 months | 3.70% | $560 |
| 24 months | 3.60% | $733 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Who can join Reliant Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County in New York are eligible to join.
Family and household
- Immediate family members (including spouse, parents, children, siblings, grandparents, and grandchildren, including step and adoptive relationships, but not in-laws) and household members of eligible individuals are eligible to join.
Other ways
- Businesses and other legal entities headquartered in Monroe, Ontario, or Wayne County can open accounts.
Membership information collected October 5, 2026.