Credit union · NCUA insured
SJP Federal Credit Union CD Rates
Top CarrotSJP Federal Credit Union’s best CD rate is 4.40% APY on a 6-month share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 16, 2026.
How SJP Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where SJP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SJP Federal Credit Union
4.40%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $218
Certificate of Deposit
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
SJP Federal Credit Union CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.40%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
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 SJP 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 of Deposit
4.40%APY · 7 terms
Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies | 4.40% | $218 |
| 12 monthsFixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies | 4.40% | $440 |
| 24 monthsFixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies | 4.40% | $899 |
| 36 monthsFixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies | 4.40% | $1,379 |
| 48 monthsFixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies | 4.40% | $1,880 |
| 60 monthsFixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies | 4.40% | $2,402 |
| 84 monthsFixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies | 4.40% | $3,518 |
Sources (1)
- sjpfcu.org/rates/savings-rates · captured Oct 5, 2026
Who can join SJP Federal Credit Union
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