Credit union · NCUA insured
Salt City Federal Credit Union CD Rates
Top CarrotSalt City Federal Credit Union’s best CD rate is 4.10% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Salt City Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Salt City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Salt City Federal Credit Union
4.10%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $203
Share Certificates
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Salt City Federal Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.60%
- 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 Salt City 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 4.10%APY · 9 terms
Renew automatically at maturity. Minimum balance $1,000. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 9/30/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 4.05% | $100 |
| 6 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 4.10% | $203 |
| 12 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 4.00% | $400 |
| 18 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 3.90% | $591 |
| 24 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 3.80% | $774 |
| 30 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 3.70% | $951 |
| 36 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 3.60% | $1,119 |
| 48 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 3.50% | $1,475 |
| 60 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity | 3.40% | $1,820 |
Special-purpose accounts
IRA & ESA Certificates
Up to 4.00%APY · 5 terms
Traditional & Roth IRA minimum balance $1,000. Coverdell ESA minimum balance $500. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 9/30/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal | 4.00% | $400 |
| 24 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal | 3.80% | $774 |
| 36 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal | 3.60% | $1,119 |
| 48 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal | 3.50% | $1,475 |
| 60 monthsCompounded and credited quarterly. Penalty may apply for early withdrawal | 3.40% | $1,820 |
Who can join Salt City Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.