Credit union · NCUA insured
Self Reliance Financial Federal Credit Union CD Rates
Top CarrotSelf Reliance Financial Federal Credit Union’s best CD rate is 4.24% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Self Reliance Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Self Reliance Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Self Reliance Financial Federal Credit Union
4.24%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $424
Certificate
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
Self Reliance Financial Federal Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.92%
- 9–15 months9–15 mo4.24%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo3.92%
- QualifiedQualified4.24%
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 Self Reliance Financial 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 4.24%APY · 17 terms
Must be a member of SRFFCU. Rate is fixed for the term. APY assumes dividends remain on deposit until maturity. A minimum balance of $500 is required to open a Certificate and earn the advertised dividend rate. Renewal at maturity at then-current rate. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 1 month interest (30 days' dividends) | 2.27% | $56 |
| 5 monthsEarly withdrawal penalty: 1 month interest (30 days' dividends) | 0.75% | $31 |
| 6 monthsEarly withdrawal penalty: 1 month interest (30 days' dividends) | 3.92% | $194 |
| 7 monthsEarly withdrawal penalty: 1 month interest (30 days' dividends) | 0.75% | $44 |
| 8 monthsEarly withdrawal penalty: 1 month interest (30 days' dividends) | 0.75% | $50 |
| 9 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 3.04% | $227 |
| 10 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 0.75% | $62 |
| 12 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 4.24% | $424 |
| 13 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 0.75% | $81 |
| 15 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 0.75% | $94 |
| 17 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 0.75% | $106 |
| 18 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 4.13% | $626 |
| 24 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 4.08% | $833 |
| 30 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 0.75% | $189 |
| 36 monthsEarly withdrawal penalty: 3 month interest (90 days' dividends) | 3.66% | $1,139 |
| 48 monthsEarly withdrawal penalty: 6 month interest (180 days' dividends) | 0.75% | $303 |
| 60 monthsEarly withdrawal penalty: 6 month interest (180 days' dividends) | 3.92% | $2,120 |
Sources (1)
- srffcu.com/accounts/certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.24%APY · 17 terms
Must be a member of SRFFCU and primary owner of the account to open an IRA. A minimum balance of $500 is required to open the account and earn the advertised APY. Rate is fixed for the term. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Available for Traditional, Roth, and SEP IRA plans.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 1 month interest | 2.27% | $56 |
| 5 monthsEarly withdrawal penalty: 1 month interest | 0.75% | $31 |
| 6 monthsEarly withdrawal penalty: 1 month interest | 3.92% | $194 |
| 7 monthsEarly withdrawal penalty: 1 month interest | 0.75% | $44 |
| 8 monthsEarly withdrawal penalty: 1 month interest | 0.75% | $50 |
| 9 monthsEarly withdrawal penalty: 3 month interest | 3.04% | $227 |
| 10 monthsEarly withdrawal penalty: 3 month interest | 0.75% | $62 |
| 12 monthsEarly withdrawal penalty: 3 month interest | 4.24% | $424 |
| 13 monthsEarly withdrawal penalty: 3 month interest | 0.75% | $81 |
| 15 monthsEarly withdrawal penalty: 3 month interest | 0.75% | $94 |
| 17 monthsEarly withdrawal penalty: 3 month interest | 0.75% | $106 |
| 18 monthsEarly withdrawal penalty: 3 month interest | 4.13% | $626 |
| 24 monthsEarly withdrawal penalty: 3 month interest | 4.08% | $833 |
| 30 monthsEarly withdrawal penalty: 3 month interest | 0.75% | $189 |
| 36 monthsEarly withdrawal penalty: 3 month interest | 3.66% | $1,139 |
| 48 monthsEarly withdrawal penalty: 6 month interest | 0.75% | $303 |
| 60 monthsEarly withdrawal penalty: 6 month interest | 3.92% | $2,120 |
Who can join Self Reliance Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Baltimore, Maryland branch of the Selfreliance Association of American Ukrainians, Inc., whose permanent residence is in Maryland are eligible for membership.
- Employees of the credit union, persons retired as pensioners or annuitants from qualifying employment, and organizations of such persons are eligible for membership.
- Members of Evangelical Pentecostal Church, Inc. in Huntingdon Valley, Pennsylvania qualifying under its charter and bylaws in effect on May 23, 2013 are eligible for membership.
- Members of the New York, N. Y. Branch of the “Selfreliance” Association of American Ukrainians, Inc. in New York, New York are eligible for membership.
- Members of the Philadelphia Branch of the “Self Reliance” Association of American Ukrainians, Inc., in Philadelphia, Pennsylvania are eligible for membership.
- Regular members of the branches and assemblies located within a 15-mile radius of the Scranton, Pennsylvania Post Office of the Ukrainian Workingmen’s Association, Providence Association of Ukrainian Catholics in America, and Ukrainian National Association, Inc. qualifying under their constitutions and bylaws as of the charter date are eligible.
12 more ways to join
Employers and groups
- Members of St. Michael Ukrainian Catholic Church in Baltimore, Maryland are eligible for membership.
- Employees and members of St. Michael the Archangel Ukrainian Catholic Church located in Jenkintown, Pennsylvania are eligible for membership.
- Voting members of Ukrainian American Sport Center – Tryzub in Horsham, Pennsylvania qualifying under its charter and bylaws in effect on May 5, 1933 are eligible for membership.
- Members and employees of Ukrainian Churches in Washington, D.C., Arlington and Fairfax Counties, VA, Montgomery and Prince George's Counties, MD, and the cities of Alexandria and Fairfax, VA are eligible for membership.
- Employees and voting members of The Ukrainian League of Philadelphia in Philadelphia, Pennsylvania qualifying under its charter and bylaws in effect May 5, 2007 are eligible for membership.
- Employees and members of the Church of Evangelical Christians Word of Life Church located in Feasterville – Trevose, Pennsylvania are eligible for membership.
Military, government and schools
- Employees of and students attending Manor College in Jenkintown, Pennsylvania are eligible for membership.
- Employees and students attending Saint Basil Academy in Jenkintown, Pennsylvania are eligible for membership.
- Members of Saint Basil Academy in Jenkintown, Pennsylvania qualifying under its charter and bylaws in effect on 07/18/1931 are eligible for membership.
- Employees and members of Ukrainian Educational and Cultural Center and students attending UKR Heritage School, Svitiychka, UKR Library location in Jenkintown, Pennsylvania are eligible for membership.
Family and household
- Members of the immediate family or household, and spouses of persons who died while within the field of membership, are eligible for membership.
Other ways
- Members of record of Ukrainian Selfreliance Federal Credit Union #07875 as of September 30, 2025 are eligible for membership.
Cost to join
- A minimum balance share deposit of $50.00 in a savings account is required for membership.
- A one-time membership fee of $10.00 is required for membership.
Membership information collected October 5, 2026.