Credit union · NCUA insured
Rome Federal Credit Union CD Rates
Rome Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Rome Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Utica, NY, where Rome Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rome Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Share Certificate Accounts
Top rate
Utica Gas & Electric Federal Credit Union
4.60%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $382
2nd-highest rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Minimum
- $50
- Earns on $10,000
- $111
Rome Federal Credit Union CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
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 Rome 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 Accounts
Up to 4.00%APY · 4 terms
Minimum deposit of $1,000.00 required. Additional deposits not permitted after opening. 90-day early withdrawal penalty applies. Terms available from 6 months to 5 years (60 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 2.25% | $225 |
| 24 months | 2.75% | $558 |
| 60 months | 2.75% | $1,453 |
Who can join Rome Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.