Rochester & Monroe County Employees Federal Credit Union CD Rates

How Rochester & Monroe County Employees Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Rochester, NY, where Rochester & Monroe County Employees Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Rochester & Monroe County Employees Federal Credit Union
4.06%APY
Term
11 months
Requires
None
Minimum
$500
Earns on $10,000
$372
Savings Certificates
Top rate
Genesee Regional Bank
4.75%APY
Term
24 months
Requires
Another account
Minimum
$500
Earns on $10,000
$973
Genesee Regional Bank rates
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
Term
36 months
Requires
None
Minimum
$500
Earns on $10,000
$1,412
Ukrainian Federal Credit Union rates

Compare CD rates near you →

CD score

Higher than 54% of U.S. banks and credit unions

By term

3–8 months3–8 mo1.51%
9–15 months9–15 mo4.06%
16–30 months16–30 mo3.50%
31–60 months31–60 mo2.78%
QualifiedQualified4.06%

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.

How the score works →

Where Rochester & Monroe County Employees 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.

Savings Certificates

Up to 4.06%APY · 10 termsFrom $500 to open

Must be eligible for credit union membership (employees of City of Rochester, County of Monroe, certain towns/villages, or individuals living, working, or worshiping in the City of Rochester with a $5 deposit and $1 processing fee). All investment account holders must also have a funded traditional savings account. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months91 Day Share Certificate. Fixed interest rate. Early withdrawal penalties apply	1.15%	$29
6 months6 Month Share Certificate. Fixed interest rate. Early withdrawal penalties apply	1.51%	$75
9 months9 Month Share Certificate. Fixed interest rate. Early withdrawal penalties apply	1.51%	$113
11 months11 Month SPECIAL. Fixed interest rate. Early withdrawal penalties apply	4.06%	$372
12 months12 Month Share Certificate. Fixed interest rate. Early withdrawal penalties apply	1.76%	$176
15 months15 Month Share Certificate. Fixed interest rate. Early withdrawal penalties apply	1.76%	$220
24 months24 Month SPECIAL. Fixed interest rate. Early withdrawal penalties apply	3.50%	$712
36 months36 Month Share Certificate. Fixed interest rate. Early withdrawal penalties apply	2.27%	$697
48 months48 Month Share Certificate. Fixed interest rate. Early withdrawal penalties apply	2.52%	$1,047
60 months60 Month Share Certificate. Fixed interest rate. Early withdrawal penalties apply	2.78%	$1,469

Sources (3)

All captured Oct 16, 2026

Who can join Rochester & Monroe County Employees Federal Credit Union

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 individuals who live, work, or worship in the City of Rochester.

Employers and groups

Membership is open to members of additional employment groups served by the credit union.

Military, government and schools

Membership is open to employees of the City of Rochester, County of Monroe, and select towns and villages within the county.

Family and household

Membership is open to family members of all eligible groups.

Cost to join

Opening a membership requires a $5 initial savings deposit.
Opening a membership requires a $1 processing fee.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Rochester & Monroe County Employees Federal Credit Union overview