Credit union · NCUA insured
Ridgedale Federal Credit Union CD Rates
Ridgedale Federal Credit Union’s best CD rate is 3.50% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Ridgedale Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ridgedale Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ridgedale Federal Credit Union
3.50%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $86
Share Certificate
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
Ridgedale Federal Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- 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 Ridgedale 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.
Share Certificate
Up to 3.50%APY · 8 terms
RFCU membership and proper ID required. Dividends are compounded monthly, credited monthly, and calculated using the daily balance method. Automatic renewal at maturity with a 10-day grace period. No additional deposits permitted after opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty of 1 month loss of dividends | 3.50% | $86 |
| 6 monthsEarly withdrawal penalty of 3 months loss of dividends | 2.75% | $137 |
| 9 months | 2.75% | $206 |
| 12 monthsEarly withdrawal penalty of 6 months loss of dividends on 1 year+ certificates | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty of 6 months loss of dividends on 1 year+ certificates | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty of 6 months loss of dividends on 1 year+ certificates | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty of 6 months loss of dividends on 1 year+ certificates | 3.00% | $1,255 |
| 60 monthsEarly withdrawal penalty of 6 months loss of dividends on 1 year+ certificates | 3.00% | $1,593 |
Sources (3)
- ridgedalefcu.org/files/ridgeda…sclosure-July-1-2025.pdf
- ridgedalefcu.org/savings-rates
- ridgedalefcu.org/share-certificates
All captured Sep 19, 2026
Who can join Ridgedale Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.