Credit union · NCUA insured
Spencerport Federal Credit Union CD Rates
Spencerport Federal Credit Union’s best CD rate is 4.21% APY on a 1-year share certificate (CD). Terms run from 6 months to 30 months. Rates checked October 16, 2026.
How Spencerport Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Spencerport Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spencerport Federal Credit Union
4.21%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $421
Share Certificates
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Spencerport Federal Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.01%
- 9–15 months9–15 mo4.21%
- 16–30 months16–30 mo2.98%
- QualifiedQualified4.21%
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 Spencerport 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 4.21%APY · 3 terms
Fixed rate account paid until maturity. Dividends compounded and credited quarterly on ledger balance, calculated by daily balance method. Minimum balance to open and obtain APY is $500.00. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.01% | $199 |
| 12 months | 4.21% | $421 |
| 30 months | 2.98% | $762 |
Sources (3)
- spnfcu.org/policies/truth-in-savings-disclosure.php
- spnfcu.org/share-accounts/share-certificates.php
- spnfcu.org/share-accounts/share-rates.php
All captured Oct 16, 2026
Who can join Spencerport 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Monroe or Orleans Counties, NY are eligible for membership.
Family and household
- Immediate family members (spouse, child, parent, grandparent, grandchild, sibling, step-parent, step-child, step-sibling) of current members are eligible for membership.
- Household members of current members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- The spouse of someone who died while part of the Spencerport Federal Credit Union field of membership is eligible to join.
Other ways
- Individuals who actively volunteer within communities in Monroe or Orleans Counties, NY are eligible for membership.
Cost to join
- Requires opening a Share Savings Account with an initial deposit of at least $20.
Membership information collected October 5, 2026.