Credit union · NCUA insured
SNIFCU CD Rates
SNIFCU’s best CD rate is 3.55% APY on a 3-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How SNIFCU’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where SNIFCU has the most branches. $10,000, best rate first.
This credit union’s best
SNIFCU
3.55%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,103
Share Certificates
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
SNIFCU CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
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 SNIFCU 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 3.55%APY · 5 terms
Guaranteed fixed quarterly dividends. Substantial penalty for early withdrawal. Fees may reduce earnings on account. Membership required (enrolled member or employee of Seneca Nation of Indians or affiliates, or immediate family/household).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.03% | $303 |
| 24 months | 3.29% | $669 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.55% | $1,906 |
Sources (3)
All captured Sep 17, 2026
Who can join SNIFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Seneca Gaming and Entertainment, Seneca Nation Enterprises, or Seneca Construction Management Corporation are eligible for membership.
- Employees of the Seneca Gaming Corporation and its subsidiaries are eligible for membership.
- Enrolled members of the Seneca Nation of Indians are eligible for membership.
Military, government and schools
- Employees of the Seneca Nation of Indians are eligible for membership.
Family and household
- Immediate family or household members of a current SNIFCU member are eligible for membership.
Cost to join
- A minimum deposit of at least $5 is required to open a share account.
Membership information collected October 5, 2026.