Credit union · NCUA insured
Rutgers Federal Credit Union CD Rates
Rutgers Federal Credit Union’s best CD rate is 1.76% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Rutgers Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Rutgers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rutgers Federal Credit Union
1.76%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $723
Share Certificates
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
Rutgers Federal Credit Union CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.26%
- 31–60 months31–60 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 Rutgers 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 Certificates
Up to 1.76%APY · 6 terms
The APY is based on the assumption that all principle dividends will remain in the account until maturity; withdrawals will reduce earnings and early withdrawal penalties apply to certificate accounts. Early withdrawal penalties for terms up to 12 months is forfeiture of 90 days worth of dividends, and terms over 12 months is forfeiture of 180 days worth of dividends. Minimum $500 Deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 1.00% | $100 |
| 24 months | 1.26% | $254 |
| 36 months | 1.51% | $460 |
| 48 months | 1.76% | $723 |
| 60 months | 1.76% | $912 |
Sources (1)
- rutgersfcu.org/home/personal-banking/savings-rates · captured Sep 19, 2026
Who can join Rutgers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Rutgers Council of AAUP Chapter is eligible for membership.
- Employees of Rutgers Federal Credit Union are eligible for membership.
- Rutgers University Foundation is eligible for membership.
Military, government and schools
- Employees of Rutgers University are eligible for membership.
- Students attending Rutgers, the State University of New Jersey, headquartered in New Brunswick, NJ, and limited to those living in New Jersey are eligible for membership.
Family and household
- Immediate family or household members of a credit union member are eligible for membership.
2 more ways to join
Family and household
- Spouses of persons who died while within the field of membership of RFCU are eligible for membership.
Other ways
- Retired pensioners and annuitants are eligible for membership.
Cost to join
- Requires a $5.00 cash deposit into a share savings account via deposit or payroll deduction to open membership.
Membership information collected October 5, 2026.