Credit union · NCUA insured
SUMA Federal Credit Union CD Rates
Top CarrotSUMA Federal Credit Union’s best CD rate is 4.25% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How SUMA Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where SUMA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SUMA Federal Credit Union
4.25%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,313
Share Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
SUMA Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 SUMA 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 Certificate
Up to 4.25%APY · 7 terms
Rates effective as of 10/13/2026. Early withdrawal penalties apply as shown per term. Minimum opening balance applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal: 3 Months Dividends | 3.35% | $83 |
| 6 monthsPenalty for early withdrawal: 3 Months Dividends | 4.00% | $198 |
| 12 monthsPenalty for early withdrawal: 3 Months Dividends | 4.10% | $410 |
| 24 monthsPenalty for early withdrawal: 6 Months Dividends | 4.10% | $837 |
| 36 monthsPenalty for early withdrawal: 9 Months Dividends | 4.15% | $1,297 |
| 48 monthsPenalty for early withdrawal: 9 Months Dividends | 4.20% | $1,789 |
| 60 monthsPenalty for early withdrawal: 9 Months Dividends | 4.25% | $2,313 |
Sources (1)
- sumafcu.org/info-hub/rates · captured Oct 16, 2026
Who can join SUMA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of the sponsor organization, Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc.
- Membership is open to parishioners of The Encounter of our Lord and Savior Jesus Christ mission parish in St. Augustine, FL.
- Membership is open to parishioners of Epiphany of our Lord Ukrainian Catholic Church in St. Petersburg, FL.
- Membership is open to parishioners of St. Andrew’s Ukrainian Religious and Cultural Center (Oseredok) in North Port, FL.
- Membership is open to parishioners of St. Mary's Ukrainian Catholic Church in North Port, FL.
- Membership is open to parishioners of St. Michael the Archangel Ukrainian Catholic Church in New Haven, CT.
5 more ways to join
Employers and groups
- Membership is open to parishioners of St. Michael the Archangel Ukrainian Catholic Church in Yonkers, NY.
- Membership is open to parishioners of St. Vladimir Ukrainian Catholic Cathedral in Stamford, CT.
- Membership is open to parishioners of Saints Peter & Paul Ukrainian Catholic Church in Spring Valley, NY.
- Membership is open to parishioners of Ukrainian Baptist Church in North Port, FL.
- Membership is open to parishioners of Ukrainian Bible Church in North Port, FL.
Membership information collected October 5, 2026.