Credit union · NCUA insured
RT Federal Credit Union CD Rates
RT Federal Credit Union’s best CD rate is 1.76% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How RT Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Utica, NY, where RT Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
RT Federal Credit Union
1.76%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $355
Term Share Certificates
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
RT Federal Credit Union CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo1.15%
- 9–15 months9–15 mo1.16%
- 16–30 months16–30 mo1.76%
- QualifiedQualified1.76%
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 RT 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.
Term Share Certificates
Up to 1.76%APY · 4 terms
Restricts access to funds until maturity date is reached. Dividends are compounded and paid quarterly. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance to earn dividends is $1,000. Dividends compounded and paid quarterly | 1.15% | $58 |
| 12 monthsMinimum balance to earn dividends is $1,000. Dividends compounded and paid quarterly | 1.16% | $115 |
| 18 monthsMinimum balance to earn dividends is $1,000. Dividends compounded and paid quarterly | 1.46% | $219 |
| 24 monthsMinimum balance to earn dividends is $1,000. Dividends compounded and paid quarterly | 1.76% | $355 |
Sources (2)
All captured Sep 17, 2026
Who can join RT Federal Credit Union
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