Suffolk Credit Union CD Rates

How Suffolk Credit Union’s CD rates compare

Compared with banks and credit unions near New York, NY-NJ, where Suffolk Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Suffolk Credit Union
1.90%APY
Term
11 months
Minimum
$10,000
Earns on $10,000
$174
Liquid Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
Term
4 months
Minimum
$1,000
Earns on $10,000
$164
Liberty Bank of New Jersey rates
2nd-highest rate
Palisades Credit Union
5.00%APY
Term
11 months
Minimum
$500
Earns on $10,000
$457
Palisades Credit Union rates

Compare CD rates near you →

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Liquid Certificate

1.90%APY · 1 termFrom $10,000 to open

$10,000 minimum deposit required to open and maintain. Subject to a $25.00 monthly minimum balance fee if the daily balance requirement is not maintained.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
11 monthsAssessed $25.00 per month if minimum daily balance requirement of $10,000.00 is not maintained	1.90%	$174

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

Certificate

Up to 4.65%APY · 11 termsIRAFrom $500 to open

Includes Regular, IRA/SEP Certificates, except where noted. $500 minimum deposit required (or $10,000 in new money for promotional 13-Month and 19-Month certificates). Membership eligibility required.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · $10,000 and up	APY	Earns on $10,000Earns
3 months	1.50%	—	1.50%	$37
6 months	2.75%	—	2.75%	$137
7 months	4.00%	—	4.00%	$231
12 months	1.25%	—	1.25%	$125
13 monthsThe minimum deposit required to open and earn the advertised APY is $10,000 in new money (defined as money not already on deposit with Suffolk Credit Union). Existing funds may be added in addition to the $10,000 new money requirement. Fixed for the term of the offer	—	4.65%	4.65%	$505
18 months	2.75%	—	2.75%	$415
19 monthsThe minimum deposit required to open and earn the advertised APY is $10,000 in new money (defined as money not already on deposit with Suffolk Credit Union). Existing funds may be added in addition to the $10,000 new money requirement. Fixed for the term of the offer	—	4.30%	4.30%	$689
24 months	3.00%	—	3.00%	$609
36 months	3.00%	—	3.00%	$927
48 months	2.50%	—	2.50%	$1,038
60 months	2.50%	—	2.50%	$1,314

Sources (1)

suffolkcu.org/about/rates/personal-banking-rates · captured Oct 6, 2026

IRA/SEP Certificate

Up to 4.65%APY · 11 termsIRAFrom $500 to open

Includes Regular, IRA/SEP Certificates, except where noted. $500 minimum deposit required (or $10,000 in new money for promotional 13-Month and 19-Month certificates). Membership eligibility required.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · $10,000 and up	APY	Earns on $10,000Earns
3 months	1.50%	—	1.50%	$37
6 months	2.75%	—	2.75%	$137
7 months	4.00%	—	4.00%	$231
12 months	1.25%	—	1.25%	$125
13 monthsThe minimum deposit required to open and earn the advertised APY is $10,000 in new money (defined as money not already on deposit with Suffolk Credit Union). Existing funds may be added in addition to the $10,000 new money requirement. Fixed for the term of the offer	—	4.65%	4.65%	$505
18 months	2.75%	—	2.75%	$415
19 monthsThe minimum deposit required to open and earn the advertised APY is $10,000 in new money (defined as money not already on deposit with Suffolk Credit Union). Existing funds may be added in addition to the $10,000 new money requirement. Fixed for the term of the offer	—	4.30%	4.30%	$689
24 months	3.00%	—	3.00%	$609
36 months	3.00%	—	3.00%	$927
48 months	2.50%	—	2.50%	$1,038
60 months	2.50%	—	2.50%	$1,314

Sources (2)

All captured Oct 6, 2026

Who can join Suffolk Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details