Credit union · NCUA insured
Spojnia Credit Union CD Rates
Spojnia Credit Union’s best CD rate is 2.88% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Spojnia Credit Union’s CD rates compare
Compared with banks and credit unions near Scranton, PA, where Spojnia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spojnia Credit Union
2.88%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,525
Share Certificates (CDs)
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Spojnia Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo2.62%
- 9–15 months9–15 mo2.67%
- 16–30 months16–30 mo2.73%
- 31–60 months31–60 mo2.88%
- QualifiedQualified2.88%
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 Spojnia 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 (CDs)
Up to 2.88%APY · 7 terms
Available to credit union members with a minimum $5.00 deposit in a share account. Field of membership is limited to Polish National Alliance policyholders and parishes/affiliated church groups of the Polish National Catholic Church. Dividends are compounded and paid quarterly and at maturity. Fixed rate for certificate term. Additional deposits not permitted.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months90 Day term | 2.62% | — | 2.62% | $65 |
| 6 months6 Month term. Early withdrawal penalty of 30 days dividends | — | 2.62% | 2.62% | $130 |
| 12 months12 Month term. Early withdrawal penalty of 60 days dividends | — | 2.67% | 2.67% | $267 |
| 24 months24 Month term. Early withdrawal penalty of 120 days dividends | — | 2.73% | 2.73% | $553 |
| 36 months36 Month term. Early withdrawal penalty of 180 days dividends | — | 2.77% | 2.77% | $854 |
| 48 months48 Month term. Early withdrawal penalty of 240 days dividends | — | 2.83% | 2.83% | $1,181 |
| 60 months60 Month term. Early withdrawal penalty of 300 days dividends | — | 2.88% | 2.88% | $1,525 |
Sources (3)
- spojniacreditunion.org/wp-cont…024sharecertificates.pdf
- spojniacreditunion.org/product…ervices/deposit-accounts
- spojniacreditunion.org/rates
All captured Sep 17, 2026
Who can join Spojnia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Branches, districts, affiliates, associations, and organizations of the Polish National Alliance are eligible for membership.
- Policyholders of the Polish National Alliance (having a policy or annuity) are eligible for membership.
- Parishes, affiliated church groups, associations, and organizations of the Polish National Catholic Church are eligible for membership.
Cost to join
- There is no membership fee to join.
- A minimum share deposit of $5.00 is required and must be maintained to remain a member.
Membership information collected October 5, 2026.