Credit union · NCUA insured
S. Middlesex FCU CD Rates
Top CarrotS. Middlesex FCU’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How S. Middlesex FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where S. Middlesex FCU has the most branches. $10,000, best rate first.
This credit union’s best
S. Middlesex FCU
4.25%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $644
Share Certificates of Deposit (CD)
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
S. Middlesex FCU CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.25%
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 S. Middlesex FCU 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 of Deposit (CD)
Up to 4.25%APY · 7 terms
Minimum deposit of $1,000. Dividends compounded and credited monthly. Account does not automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 4.15% | $415 |
| 18 months | 4.25% | $644 |
| 24 months | 4.25% | $868 |
| 36 months | 4.15% | $1,297 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.15% | $2,255 |
Sources (3)
- myfavoritecu.com/rates
- myfavoritecu.com/term-share-ce…f-deposit-account-policy
- myfavoritecu.com/Accounts
All captured Sep 19, 2026
Who can join S. Middlesex FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Contractual employees of designated public school districts in Middlesex County are eligible for membership.
Family and household
- Immediate family members of a Credit Union member are eligible for membership.
Membership information collected October 5, 2026.