Credit union · NCUA insured
SECNY Federal Credit Union CD Rates
SECNY Federal Credit Union’s best CD rate is 4.50% APY on a 6-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How SECNY Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where SECNY Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SECNY Federal Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $223
Certificate
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
SECNY Federal Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.50%
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 SECNY 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.
Certificate
Up to 4.50%APY · 9 terms
Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly, or at maturity for 30 Day & 3 Month certificates. Automatically renews with a 10-day grace period. Substantial penalty for early withdrawal.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthDividends compounded and credited at maturity. Account # 30 | — | 2.25% | 2.25% | $19 |
| 3 monthsDividends compounded and credited at maturity. Account # 35 | — | 2.35% | 2.35% | $58 |
| 6 monthsFall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Account # 34 | 4.50% | — | 4.50% | $223 |
| 6 monthsStandard rate without $5,000 New Money requirement: 6-month term as high as 4.00% APY. Dividends compounded and credited monthly. Account # 34 | 4.00% | — | 4.00% | $198 |
| 12 monthsDividends compounded and credited monthly. Account # 32 | 4.00% | — | 4.00% | $400 |
| 24 monthsDividends compounded and credited monthly. Account # 36 | 3.20% | — | 3.20% | $650 |
| 30 monthsDividends compounded and credited monthly. Account # 37 | 3.25% | — | 3.25% | $832 |
| 36 monthsDividends compounded and credited monthly. Account # 38 | 3.30% | — | 3.30% | $1,023 |
| 48 monthsDividends compounded and credited monthly. Account # 39 | 3.35% | — | 3.35% | $1,409 |
| 60 monthsDividends compounded and credited monthly. Account # 40 | 3.40% | — | 3.40% | $1,820 |
Sources (2)
- secny.org/interest-rates-on-sa…ccounts-near-syracuse-ny
- secny.org/legal-disclosures/tr…s-certificate-of-deposit
All captured Oct 16, 2026
Jumbo Certificate
Up to 4.50%APY · 7 terms
Minimum opening deposit $50,000. Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly. Automatically renews with a 10-day grace period. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Account # 54 | 4.50% | — |
| 6 monthsStandard rate without $5,000 New Money requirement: 6-month term as high as 4.00% APY. Dividends compounded and credited monthly. Account # 54 | 4.00% | — |
| 12 monthsDividends compounded and credited monthly. Account # 52 | 4.00% | — |
| 24 monthsDividends compounded and credited monthly. Account # 56 | 3.30% | — |
| 30 monthsDividends compounded and credited monthly. Account # 57 | 3.35% | — |
| 36 monthsDividends compounded and credited monthly. Account # 58 | 3.40% | — |
| 48 monthsDividends compounded and credited monthly. Account # 59 | 3.45% | — |
| 60 monthsDividends compounded and credited monthly. Account # 60 | 3.50% | — |
Sources (2)
- secny.org/interest-rates-on-sa…ccounts-near-syracuse-ny
- secny.org/legal-disclosures/tr…s-certificate-of-deposit
All captured Oct 16, 2026
Special-purpose accounts
Coverdell ESA Certificate
Up to 4.50%APY · 7 terms
Coverdell ESA Certificate (min $500). Shares same rates and terms as IRA Share Certificate Rates. Account # 95.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 4.50% | $223 |
| 6 monthsStandard rate without $5,000 New Money requirement: 6-month term as high as 4.00% APY. Dividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 4.00% | $198 |
| 12 monthsDividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 4.00% | $400 |
| 24 monthsDividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 3.30% | $671 |
| 30 monthsDividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 3.35% | $859 |
| 36 monthsDividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 3.40% | $1,055 |
| 48 monthsDividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 3.45% | $1,453 |
| 60 monthsDividends compounded and credited monthly. Same rates and terms as IRA Share Certificate Rates | 3.50% | $1,877 |
Sources (1)
- secny.org/interest-rates-on-sa…ccounts-near-syracuse-ny · captured Oct 16, 2026
IRA Share Certificate
Up to 4.50%APY · 7 terms
Minimum opening deposit $500. Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly. Automatically renews with a 10-day grace period. Early withdrawal penalty exceptions apply for IRA distributions within 7 days, Keogh forfeiture, or attaining age 59 1/2 / disability.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Account # 89 | 4.50% | $223 |
| 6 monthsStandard rate without $5,000 New Money requirement: 6-month term as high as 4.00% APY. Dividends compounded and credited monthly. Account # 89 | 4.00% | $198 |
| 12 monthsDividends compounded and credited monthly. Account # 83 | 4.00% | $400 |
| 24 monthsDividends compounded and credited monthly. Account # 84 | 3.30% | $671 |
| 30 monthsDividends compounded and credited monthly. Account # 85 | 3.35% | $859 |
| 36 monthsDividends compounded and credited monthly. Account # 86 | 3.40% | $1,055 |
| 48 monthsDividends compounded and credited monthly. Account # 87 | 3.45% | $1,453 |
| 60 monthsDividends compounded and credited monthly. Account # 88 | 3.50% | $1,877 |
Sources (2)
- secny.org/interest-rates-on-sa…ccounts-near-syracuse-ny
- secny.org/legal-disclosures/tr…s-certificate-of-deposit
All captured Oct 16, 2026
ROTH IRA Share Certificate
Up to 4.50%APY · 7 terms
Roth IRA Share Certificates. Minimum opening deposit $500. Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly. Automatically renews with a 10-day grace period. Early withdrawal penalty exceptions apply for IRA distributions within 7 days, Keogh forfeiture, or attaining age 59 1/2 / disability.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Account # 69 | 4.50% | $223 |
| 12 monthsDividends compounded and credited monthly. Account # 63 | 4.00% | $400 |
| 24 monthsDividends compounded and credited monthly. Account # 64 | 3.30% | $671 |
| 30 monthsDividends compounded and credited monthly. Account # 65 | 3.35% | $859 |
| 36 monthsDividends compounded and credited monthly. Account # 66 | 3.40% | $1,055 |
| 48 monthsDividends compounded and credited monthly. Account # 67 | 3.45% | $1,453 |
| 60 monthsDividends compounded and credited monthly. Account # 68 | 3.50% | $1,877 |
Sources (2)
- secny.org/interest-rates-on-sa…ccounts-near-syracuse-ny
- secny.org/legal-disclosures/tr…s-certificate-of-deposit
All captured Oct 16, 2026
Who can join SECNY Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons working, living, worshipping, attending school, businesses, and legal entities in Onondaga, Madison, Oswego, and Cayuga counties.
Family and household
- Membership is open to immediate family of current members (including spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household members living in the same residence and maintaining a single economic unit.
Membership information collected October 5, 2026.