Credit union · NCUA insured
Stewart's Federal Credit Union CD Rates
Stewart's Federal Credit Union’s best CD rate is 3.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Stewart's Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Albany, NY, where Stewart's Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Stewart's Federal Credit Union
3.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $661
Savings Certificates
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
2nd-highest rate
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Stewart's Federal Credit Union CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.10%
- 16–30 months16–30 mo3.25%
- QualifiedQualified3.25%
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 Stewart's 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.
Savings Certificates
Up to 3.25%APY · 3 terms
Minimum deposit to open is $500 by check or cash deposit. A penalty for early withdrawal is three months of interest. Dividends are paid/compounded monthly. Additional deposits not allowed; withdrawals allowed subject to early withdrawal penalties; automatically renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed Rate; Dividends Compounding & Crediting Monthly; Dividend Period Account Term; Additional Deposits Not Allowed; Automatic Renewal | 3.00% | $149 |
| 12 monthsFixed Rate; Dividends Compounding & Crediting Monthly; Dividend Period Account Term; Additional Deposits Not Allowed; Automatic Renewal | 3.10% | $310 |
| 24 monthsFixed Rate; Dividends Compounding & Crediting Monthly; Dividend Period Account Term; Additional Deposits Not Allowed; Automatic Renewal | 3.25% | $661 |
Sources (3)
- stewartscu.com/rates
- stewartscu.com/savings-certificates
- stewartscu.com/wp-content/uplo…and-Fee-Schedule-004.pdf
All captured Oct 16, 2026
Who can join Stewart's Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and dairy producers of Stewart's Shops Corp are eligible for membership.
Family and household
- Families of employees and dairy producers of Stewart's Shops Corp are eligible for membership.
Membership information collected October 5, 2026.