Credit union · NCUA insured
St. Pius Federal Credit Union CD Rates
St. Pius Federal Credit Union’s best CD rate is 4.10% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How St. Pius Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where St. Pius Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Pius Federal Credit Union
4.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $299
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
St. Pius Federal Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
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. Pius 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 4.00%APY · 8 terms
Early withdrawal penalties may apply. Membership subject to eligibility.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.25% | — | 3.25% | $161 |
| 6 monthsJumbo | — | 3.35% | —3.35% from $100k | — |
| 9 months | 4.00% | — | 4.00% | $299 |
| 9 monthsJumbo | — | 4.10% | —4.10% from $100k | — |
| 12 months | 3.40% | — | 3.40% | $340 |
| 12 monthsJumbo | — | 3.50% | —3.50% from $100k | — |
| 18 months | 4.00% | — | 4.00% | $606 |
| 18 monthsJumbo | — | 4.10% | —4.10% from $100k | — |
| 24 months | 3.40% | — | 3.40% | $692 |
| 24 monthsJumbo | — | 3.50% | —3.50% from $100k | — |
| 36 months | 3.00% | — | 3.00% | $927 |
| 36 monthsJumbo | — | 3.10% | —3.10% from $100k | — |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 48 monthsJumbo | — | 3.10% | —3.10% from $100k | — |
| 60 months | 3.00% | — | 3.00% | $1,593 |
| 60 monthsJumbo | — | 3.10% | —3.10% from $100k | — |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 8 terms
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals. Membership subject to eligibility.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.25% | — | 3.25% | $161 |
| 6 monthsJumbo | — | 3.35% | —3.35% from $100k | — |
| 9 months | 4.00% | — | 4.00% | $299 |
| 9 monthsJumbo | — | 4.10% | —4.10% from $100k | — |
| 12 months | 3.40% | — | 3.40% | $340 |
| 12 monthsJumbo | — | 3.50% | —3.50% from $100k | — |
| 18 months | 4.00% | — | 4.00% | $606 |
| 18 monthsJumbo | — | 4.10% | —4.10% from $100k | — |
| 24 months | 3.40% | — | 3.40% | $692 |
| 24 monthsJumbo | — | 3.50% | —3.50% from $100k | — |
| 36 months | 3.00% | — | 3.00% | $927 |
| 36 monthsJumbo | — | 3.10% | —3.10% from $100k | — |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 48 monthsJumbo | — | 3.10% | —3.10% from $100k | — |
| 60 months | 3.00% | — | 3.00% | $1,593 |
| 60 monthsJumbo | — | 3.10% | —3.10% from $100k | — |
Sources (1)
- spxfcu.org/accounts/savings · captured Oct 6, 2026
Who can join St. Pius Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of affiliated churches, parishes, religious orders, and faith-based community groups are eligible to join.
Military, government and schools
- Members of Aquinas Institute are eligible to join.
- Members of Hope Hall are eligible to join.
- Members of Nazareth Elementary are eligible to join.
- Members of Robert Wesleyan College and North Eastern Seminary are eligible to join.
- Members of St. John’s The Evangelist Church and School are eligible to join.
4 more ways to join
Military, government and schools
- Members of St. Lawrence School are eligible to join.
- Members of St. Pius X Church & Schools are eligible to join.
- Members of St. Rita’s Church & School are eligible to join.
Family and household
- Family members of current SPXFCU members are eligible for membership.
Membership information collected October 5, 2026.