Southern Chautauqua Federal Credit Union CD Rates

How Southern Chautauqua Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Jamestown, NY, where Southern Chautauqua Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Southern Chautauqua Federal Credit Union
3.23%APY
Term
12 months
Minimum
$250
Earns on $10,000
$322
Share Certificates
Top rate
Lake Shore Bank
4.44%APY
Term
18 months
Minimum
$500
Earns on $10,000
$673
Lake Shore Bank rates
2nd-highest rate
Centra Credit Union
4.35%APY
Term
8 months
Minimum
$500
Earns on $10,000
$288
Centra Credit Union rates

Compare CD rates near you →

CD score

Higher than 28% of U.S. banks and credit unions

By term

3–8 months3–8 mo2.23%
9–15 months9–15 mo3.23%
16–30 months16–30 mo3.23%
31–60 months31–60 mo3.23%
QualifiedQualified3.23%

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.

How the score works →

Where Southern Chautauqua 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.

Share Certificates

Up to 3.23%APY · 6 termsFrom $250 to open

Interest can be paid monthly or yield can increase through reinvestment of interest. No risk of principal loss. Early withdrawal penalty up to 180 days of interest. Insured up to $250,000 through NCUA.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsPenalty for early withdrawal	2.23%	$55
12 monthsPenalty for early withdrawal	3.23%	$322
24 monthsPenalty for early withdrawal	3.23%	$655
36 monthsPenalty for early withdrawal	3.23%	$999
48 monthsPenalty for early withdrawal	3.23%	$1,354
60 monthsPenalty for early withdrawal	3.04%	$1,616

Sources (2)

All captured Sep 17, 2026

Special-purpose accounts

Kid's Credit Union Share Certificates

Up to 10.52%APY · 17 termsKids and teensFrom $100 to open

Prior to 2nd grade, participants are eligible for up to 6 Certificate of Deposits. Upon entering the program in 2nd grade, participants are eligible for 10 Certificate of Deposits. Maximum Certificates = 16 Total. Schedule is subject to change.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
Unknown5-for5-Fall Back. Amount saved by 6/30: $500. Eligible Between 6th-11th Grade if Yearly Deposit Goal Cannot be Reached	5.13%	$0
5 monthsGrade 11. Amount saved by 6/30: $1,200.00. Term: 5 months. Dividend earned: $25.00	5.13%	$211
17 monthsGrade 10. Amount saved by 6/30: $1,100.00. Term: 1 year, 5 months. Dividend earned: $77.92	5.13%	$734
29 monthsGrade 9. Amount saved by 6/30: $1,000.00. Term: 2 years, 5 months. Dividend earned: $120.83	5.13%	$1,285
41 monthsGrade 8. Amount saved by 6/30: $800.00. Term: 3 years, 5 months. Dividend earned: $136.67	5.13%	$1,864
53 monthsGrade 7. Amount saved by 6/30: $700.00. Term: 4 years, 5 months. Dividend earned: $185.50	6.18%	$3,032
65 monthsGrade 6. Amount saved by 6/30: $600.00. Term: 5 years, 5 months. Dividend earned: $227.50	7.25%	$4,610
77 monthsGrade 5. Amount saved by 6/30: $500.00. Term: 6 years, 5 months. Dividend earned: $256.67	8.33%	$6,710
89 monthsGrade 4. Amount saved by 6/30: $400.00. Term: 7 years, 5 months. Dividend earned: $267.00	9.42%	$9,497
101 monthsGrade 3. Amount saved by 6/30: $300.00. Term: 8 years, 5 months. Dividend earned: $252.50	10.52%	$13,207
113 monthsGrade 2. Amount saved by 6/30: $200.00. Term: 9 years, 5 months. Dividend earned: $188.33	10.52%	$15,649
125 monthsAge 6. Amount saved by 6/30: $100.00. Term: 10 years, 5 months. Dividend earned: $104.17	10.52%	$18,347
137 monthsAge 5. Amount saved by 6/30: $100.00. Term: 11 years, 5 months. Dividend earned: $114.17	10.52%	$21,329
149 monthsAge 4. Amount saved by 6/30: $100.00. Term: 12 years, 5 months. Dividend earned: $124.17	10.52%	$24,625
161 monthsAge 3. Amount saved by 6/30: $100.00. Term: 13 years, 5 months. Dividend earned: $134.17	10.52%	$28,268
173 monthsAge 2. Amount saved by 6/30: $100.00. Term: 14 years, 5 months. Dividend earned: $144.17	10.52%	$32,293
185 monthsAge 1. Amount saved by 6/30: $100.00. Term: 15 years, 5 months. Dividend earned: $154.17	10.52%	$36,743

Sources (1)

665-7000.com/current-rates/kids-credit-union · captured Sep 17, 2026

IRA Share Certificates

Up to 3.23%APY · 6 termsIRAFrom $2,000 to open

Must be aged 18 and over. Traditional and Roth IRA options available; funds invested in Share Certificates. Contribution limits apply ($7,500/yr for all ages, plus $1,100 catch-up for age 50+). Early withdrawal penalties may apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsRoth IRA. Penalty for early withdrawal	2.23%	$55
3 monthsTraditional IRA. Penalty for early withdrawal	3.23%	$80
12 monthsRoth IRA. Penalty for early withdrawal	3.23%	$322
24 monthsRoth IRA. Penalty for early withdrawal	3.23%	$655
36 monthsRoth IRA. Penalty for early withdrawal	3.23%	$999
48 monthsRoth IRA. Penalty for early withdrawal	3.23%	$1,354
60 monthsRoth IRA. Penalty for early withdrawal	3.23%	$1,720
60 monthsTraditional IRA. Penalty for early withdrawal	3.04%	$1,616

Sources (4)

All captured Sep 17, 2026

Who can join Southern Chautauqua 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

People who live, work, worship, attend school, do business and any other entities within Chautauqua County, New York are eligible for membership.

Employers and groups

Employees of the credit union and volunteers in the community are eligible for membership.
Organizations of eligible persons are eligible for membership.

Family and household

Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adopted individuals) and household members of eligible persons or joined members are eligible to join.

Other ways

Spouses of persons who died while within the field of membership of the credit union are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Southern Chautauqua Federal Credit Union overview