Credit union · NCUA insured
Saratoga's Community Federal Credit Union CD Rates
Saratoga's Community Federal Credit Union’s best CD rate is 2.50% APY on a 1-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Saratoga's Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Albany, NY, where Saratoga's Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Saratoga's Community Federal Credit Union
2.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $250
Share Certificates
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
2nd-highest rate
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Saratoga's Community Federal Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 Saratoga's Community 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 2.50%APY · 9 terms
Calculations are based on interest accrued daily, paid and compounded monthly. $500 minimum deposit on certificates. Early withdrawal penalty applies (30 days dividends for 30 to 60 days certificates; 90 days dividends for all other certificates). Balances over $250,000 not insured by NCUSIF.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthStandard rate; new money not required | 1.25% | $10 |
| 2 monthsPromotional rate; new money required | 1.50% | $25 |
| 2 monthsStandard rate; new money not required | 1.25% | $21 |
| 3 monthsPromotional rate; new money required | 2.00% | $50 |
| 3 monthsStandard rate; new money not required | 1.25% | $31 |
| 6 monthsPromotional rate; new money required | 2.25% | $112 |
| 6 monthsStandard rate; new money not required | 1.35% | $67 |
| 12 monthsPromotional rate; new money required | 2.50% | $250 |
| 12 monthsStandard rate; new money not required | 1.45% | $145 |
| 24 monthsPromotional rate; new money required | 2.50% | $506 |
| 24 monthsStandard rate; new money not required | 1.55% | $312 |
| 36 monthsPromotional rate; new money required | 2.50% | $769 |
| 36 monthsStandard rate; new money not required | 1.65% | $503 |
| 48 monthsPromotional rate; new money required | 2.50% | $1,038 |
| 48 monthsStandard rate; new money not required | 1.75% | $719 |
| 60 monthsPromotional rate; new money required | 2.50% | $1,314 |
| 60 monthsStandard rate; new money not required | 1.85% | $960 |
Sources (1)
- saratogafcu.org/Banking/Personal-Accounts/Checking.aspx · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate Accounts
Up to 1.85%APY · 9 terms
$500 minimum deposit on certificates. Early withdrawal penalty applies (30 days dividends for 30 to 60 days certificates; 90 days dividends for all other certificates). Balances over $250,000 not insured by NCUSIF.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.25% | $10 |
| 2 months | 1.25% | $21 |
| 3 months | 1.25% | $31 |
| 6 months | 1.35% | $67 |
| 12 months | 1.45% | $145 |
| 24 months | 1.55% | $312 |
| 36 months | 1.65% | $503 |
| 48 months | 1.75% | $719 |
| 60 months | 1.85% | $960 |
Sources (1)
- saratogafcu.org/Banking/Personal-Accounts/Checking.aspx · captured Sep 17, 2026
Who can join Saratoga's Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.