Credit union · NCUA insured
Steuben Citizens FCU CD Rates
Steuben Citizens FCU’s best CD rate is 3.05% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Steuben Citizens FCU’s CD rates compare
Compared with banks and credit unions near Corning, NY, where Steuben Citizens FCU has the most branches. $10,000, best rate first.
This credit union’s best
Steuben Citizens FCU
3.05%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $618
Time Share Certificate
Top rate
Chemung Canal Trust Company
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
2nd-highest rate
First Heritage Federal Credit Union
4.00%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $816
Steuben Citizens FCU CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo3.05%
- QualifiedQualified3.05%
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 Steuben Citizens 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.
Time Share Certificate
Up to 3.05%APY · 3 terms
Dividends compounded and credited quarterly. Minimum opening deposit $1000.00; minimum average daily balance of $1000.00 required to obtain disclosed APY. Early withdrawal penalty applies (greater of 7 days dividends or all dividends earned). Automatic renewal at maturity with a 10 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.02% | $100 |
| 12 months | 2.53% | $253 |
| 24 months | 3.05% | $618 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.00%APY · 1 term
Dividends compounded and credited semiannually. Minimum opening deposit $1000.00; minimum average daily balance of $1000.00 required to obtain disclosed APY. Early withdrawal penalty applies (greater of 7 days dividends or all dividends earned). Automatic renewal at maturity with a 10 calendar day grace period. Supports Traditional and Roth IRA wrappers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsRoth IRA time share certificate | 1.01% | $152 |
| 18 monthsTraditional IRA time share certificate | 3.00% | $453 |
Sources (2)
All captured Sep 17, 2026
Who can join Steuben Citizens FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Steuben County, as well as businesses and other legal entities located in Steuben County, are eligible for membership.
Family and household
- Immediate family and household of existing members are eligible for membership.
Cost to join
- Opening a membership/savings account requires a one-time $1 entrance fee.
- Savings accounts require a $5 minimum balance.
Membership information collected October 5, 2026.