Credit union · NCUA insured
State CS Employees Federal Credit Union CD Rates
State CS Employees Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How State CS Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Watertown, NY, where State CS Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
State CS Employees Federal Credit Union
4.00%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $198
Traditional Certificate
Top rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $111
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
State CS Employees Federal Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 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 State CS Employees 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.
Lucky Savers Certificate
4.00%APY · 1 term
Special 12-month certificate account. Every $25 deposit made (up to $250 per month) gives a chance to win monthly and quarterly cash prizes (up to 10 chances per month). Additional deposits permitted throughout the term. Dividends compounded and credited monthly. Early withdrawal penalty may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
Sources (2)
All captured Oct 6, 2026
Traditional Certificate
Up to 4.00%APY · 3 terms
Early withdrawal penalty may reduce earnings on term Certificate accounts. Dividends compounded and credited monthly based on average daily balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.00% | $400 |
| 24 months | 3.75% | $764 |
Sources (2)
All captured Oct 6, 2026
Who can join State CS Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the City of Watertown who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- New York State Civil Service Employees who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- Retirees of New York State Civil Service, City of Watertown, or Watertown City School District who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- Employees of the Watertown City School District who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
Family and household
- Immediate family members of current members who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
Cost to join
- Membership requires opening a Primary Savings account with a minimum deposit of at least $5.00.
Membership information collected October 5, 2026.