Credit union · NCUA insured
Sidney FCU CD Rates
Sidney FCU’s best CD rate is 5.00% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Sidney FCU’s CD rates compare
Compared with banks and credit unions near Oneonta, NY, where Sidney FCU has the most branches. $10,000, best rate first.
This credit union’s best
Sidney FCU
4.75%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $597
Regular Certificates
2nd-highest rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
3rd-highest rate
Leatherstocking Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Sidney FCU CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.75%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.75%
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 Sidney 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.
Regular Certificates
Up to 4.75%APY · 11 terms
Effective as of October 16, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.65% | — | —3.65% from $100k | — |
| 3 monthsFixed Rate. Minimum balance to open $500 | 3.40% | — | — | — | 3.40% | $84 |
| 6 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.65% | — | —3.65% from $100k | — |
| 6 monthsFixed Rate. Minimum balance to open $500 | 3.40% | — | — | — | 3.40% | $169 |
| 9 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.65% | — | —3.65% from $100k | — |
| 9 monthsFixed Rate. Minimum balance to open $500 | 3.40% | — | — | — | 3.40% | $254 |
| 12 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.65% | — | —3.65% from $100k | — |
| 12 monthsFixed Rate. Minimum balance to open $500 | 3.40% | — | — | — | 3.40% | $340 |
| 12 monthsVariable Rate. Rates only change upon written request (1 change for 12-month term). Minimum balance to open $10,000 | — | 3.15% | — | — | 3.15% | $315 |
| 15 monthsFixed Rate - Special. Minimum balance to open $250,000 | — | — | — | 5.00% | —5.00% from $250k | — |
| 15 monthsFixed Rate - Special. Minimum balance to open $500 | 4.75% | — | — | — | 4.75% | $597 |
| 18 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.65% | — | —3.65% from $100k | — |
| 18 monthsFixed Rate. Minimum balance to open $500 | 3.40% | — | — | — | 3.40% | $514 |
| 24 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.50% | — | —3.50% from $100k | — |
| 24 monthsFixed Rate. Minimum balance to open $500 | 3.25% | — | — | — | 3.25% | $661 |
| 24 monthsVariable Rate. Rates only change upon written request (2 changes for 24-month term). Minimum balance to open $10,000 | — | 3.00% | — | — | 3.00% | $609 |
| 30 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.00% | — | —3.00% from $100k | — |
| 30 monthsFixed Rate. Minimum balance to open $500 | 2.75% | — | — | — | 2.75% | $702 |
| 36 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.25% | — | —3.25% from $100k | — |
| 36 monthsFixed Rate. Minimum balance to open $500 | 3.00% | — | — | — | 3.00% | $927 |
| 36 monthsVariable Rate. Rates only change upon written request (2 changes for 36-month term). Minimum balance to open $10,000 | — | 2.75% | — | — | 2.75% | $848 |
| 48 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.25% | — | —3.25% from $100k | — |
| 48 monthsFixed Rate. Minimum balance to open $500 | 3.00% | — | — | — | 3.00% | $1,255 |
| 60 monthsFixed Rate. Minimum balance to open $100,000 | — | — | 3.25% | — | —3.25% from $100k | — |
| 60 monthsFixed Rate. Minimum balance to open $500 | 3.00% | — | — | — | 3.00% | $1,593 |
Sources (1)
- sfcuonline.org/accounts/saving…unt-options/cd-cicero-ny · captured Oct 16, 2026
Special-purpose accounts
Traditional and Roth IRA Certificates
Up to 4.75%APY · 11 terms
Rates effective as of October 16, 2026. Minimum balance required to earn APY $118. Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. No dividend penalty if IRA owner is 59 1/2 years or older. Withdrawals, deposits, or change of terms without penalty on or within 5 business days after maturity. No setup or maintenance fees. $5 minimum deposit in primary savings for membership.
| Term | APY · $500 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsMinimum balance to open $100,000 | — | 3.65% | — | —3.65% from $100k | — |
| 3 monthsMinimum balance to open $500 | 3.40% | — | — | 3.40% | $84 |
| 6 monthsMinimum balance to open $100,000 | — | 3.65% | — | —3.65% from $100k | — |
| 6 monthsMinimum balance to open $500 | 3.40% | — | — | 3.40% | $169 |
| 9 monthsMinimum balance to open $100,000 | — | 3.65% | — | —3.65% from $100k | — |
| 9 monthsMinimum balance to open $500 | 3.40% | — | — | 3.40% | $254 |
| 12 monthsMinimum balance to open $100,000 | — | 3.65% | — | —3.65% from $100k | — |
| 12 monthsMinimum balance to open $500 | 3.40% | — | — | 3.40% | $340 |
| 15 monthsShare Certificate - Special. Minimum balance to open $250,000 | — | — | 5.00% | —5.00% from $250k | — |
| 15 monthsShare Certificate - Special. Minimum balance to open $500 | 4.75% | — | — | 4.75% | $597 |
| 18 monthsMinimum balance to open $100,000 | — | 3.65% | — | —3.65% from $100k | — |
| 18 monthsMinimum balance to open $500 | 3.40% | — | — | 3.40% | $514 |
| 24 monthsMinimum balance to open $100,000 | — | 3.50% | — | —3.50% from $100k | — |
| 24 monthsMinimum balance to open $500 | 3.25% | — | — | 3.25% | $661 |
| 30 monthsMinimum balance to open $100,000 | — | 3.00% | — | —3.00% from $100k | — |
| 30 monthsMinimum balance to open $500 | 2.75% | — | — | 2.75% | $702 |
| 36 monthsMinimum balance to open $100,000 | — | 3.25% | — | —3.25% from $100k | — |
| 36 monthsMinimum balance to open $500 | 3.00% | — | — | 3.00% | $927 |
| 48 monthsMinimum balance to open $100,000 | — | 3.25% | — | —3.25% from $100k | — |
| 48 monthsMinimum balance to open $500 | 3.00% | — | — | 3.00% | $1,255 |
| 60 monthsMinimum balance to open $100,000 | — | 3.25% | — | —3.25% from $100k | — |
| 60 monthsMinimum balance to open $500 | 3.00% | — | — | 3.00% | $1,593 |
Sources (1)
- sfcuonline.org/traditional-and-roth-ira-certificates · captured Oct 16, 2026
Coverdell Education Share Certificate
Up to 4.75%APY · 11 terms
Rates effective as of October 16, 2026. No income qualifications to open. Minimum balance to earn APY $118. Dividends calculated by average daily balance. Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Penalty-free withdrawals, deposits, or change of terms within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance $500 | 3.40% | $84 |
| 6 monthsMinimum balance $500 | 3.40% | $169 |
| 9 monthsMinimum balance $500 | 3.40% | $254 |
| 12 monthsMinimum balance $500 | 3.40% | $340 |
| 15 monthsShare Certificate - Special. Minimum balance $500 | 4.75% | $597 |
| 18 monthsMinimum balance $500 | 3.40% | $514 |
| 24 monthsMinimum balance $500 | 3.25% | $661 |
| 30 monthsMinimum balance $500 | 2.75% | $702 |
| 36 monthsMinimum balance $500 | 3.00% | $927 |
| 48 monthsMinimum balance $500 | 3.00% | $1,255 |
| 60 monthsMinimum balance $500 | 3.00% | $1,593 |
Sources (1)
- sfcuonline.org/accounts/saving…ucation-savings-accounts · captured Oct 16, 2026
Health Savings Account Share Certificate
Up to 4.75%APY · 6 terms
Rates effective as of October 16, 2026. Minimum balance $500. Minimum balance to earn APY $100. Terms of 10 months or more subject to 180-day dividend penalty. Penalty-free withdrawals, deposits, or change of terms within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance $500 | 3.40% | $340 |
| 15 monthsShare Certificate - Special. Minimum balance $500 | 4.75% | $597 |
| 24 monthsMinimum balance $500 | 3.25% | $661 |
| 36 monthsMinimum balance $500 | 3.00% | $927 |
| 48 monthsMinimum balance $500 | 3.00% | $1,255 |
| 60 monthsMinimum balance $500 | 3.00% | $1,593 |
Sources (1)
- sfcuonline.org/accounts/saving…s/health-savings-account · captured Oct 16, 2026
Sprout Saver Certificate
3.40%APY · 1 term
Rates effective as of October 16, 2026. Tailored for savers aged 17 and under. Offers 12-month term. Allows deposits with a minimum of $25 for each deposit. No cap on deposits. Upon turning 18, contributions are no longer allowed and it renews as standard standard 12-month certificate. Terms of 12 months or more subject to 180-day dividend penalty. Penalty-free withdrawals or change of terms within 5 business days after maturity. $5 minimum deposit in primary savings for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to members aged 17 and under. Minimum opening deposit of $25. Additional deposits allowed with minimum of $25 each. No cap on deposits | 3.40% | $340 |
Sources (1)
- sfcuonline.org/accounts/sproutsavercertificate · captured Oct 16, 2026
Who can join Sidney FCU
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 anyone who lives, works, worships, attends school, or regularly conducts business in specified New York counties and towns.
Employers and groups
- Employees of SFCU are eligible for membership.
Family and household
- Immediate family or household members of eligible individuals/members are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities are eligible for membership.
Cost to join
- A minimum deposit of $5.00 is required to open an SFCU Membership Savings Account.
Membership information collected October 5, 2026.