Credit union · NCUA insured
St. Lawrence FCU CD Rates
St. Lawrence FCU’s best CD rate is 3.56% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How St. Lawrence FCU’s CD rates compare
Compared with banks and credit unions near Massena, NY, where St. Lawrence FCU has the most branches. $10,000, best rate first.
This credit union’s best
St. Lawrence FCU
3.56%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $386
Share Certificates
Top rate
Massena Savings & Loan Association
4.90%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,543
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
St. Lawrence FCU CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo0.95%
- 31–60 months31–60 mo1.71%
- QualifiedQualified3.56%
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 St. Lawrence FCU 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 3.56%APY · 8 terms
Minimum deposit is $1,000.00. Early withdrawal penalty may apply. Dividends can be transferred to other SLFCU shares each month without penalty.
| Term | APY · Up to $25,000 | APY · $1,000 and up | APY · $25,000 – $75,000 | APY · $75,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 0.75% | — | 0.80% | 0.90% | 1.00% | 0.75%0.80% $25k–$75k0.90% $75k–$200k1.00% from $200k | $37 |
| 9 months9 Month SPECIAL | — | 3.30% | — | — | — | 3.30% | $246 |
| 12 months | 0.85% | — | 0.90% | 1.00% | 1.11% | 0.85%0.90% $25k–$75k1.00% $75k–$200k1.11% from $200k | $85 |
| 13 months13 Month SPECIAL | — | 3.56% | — | — | — | 3.56% | $386 |
| 24 months | 0.95% | — | 1.00% | 1.11% | 1.21% | 0.95%1.00% $25k–$75k1.11% $75k–$200k1.21% from $200k | $191 |
| 36 months | 1.41% | — | 1.51% | 1.61% | 1.71% | 1.41%1.51% $25k–$75k1.61% $75k–$200k1.71% from $200k | $429 |
| 48 months | 1.51% | — | 1.61% | 1.71% | 1.82% | 1.51%1.61% $25k–$75k1.71% $75k–$200k1.82% from $200k | $618 |
| 60 months | 1.71% | — | 1.82% | 1.92% | 2.02% | 1.71%1.82% $25k–$75k1.92% $75k–$200k2.02% from $200k | $885 |
Special-purpose accounts
Traditional & Roth IRA Shares (Certificates)
Up to 2.53%APY · 2 terms
IRA term share certificates for Traditional & Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.02% | $202 |
| 24 months | 2.53% | $512 |
Who can join St. Lawrence FCU
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 St. Lawrence, Clinton, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Oneida, Oswego, or Warren County in New York state are eligible to join.
Membership information collected October 5, 2026.