Credit union · NCUA insured
Sunmark Credit Union CD Rates
Top CarrotSunmark Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Sunmark Credit Union’s CD rates compare
Compared with banks and credit unions near Albany, NY, where Sunmark Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Regular Share Certificate
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
3rd-highest rate
First New York Federal Credit Union
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $317
Sunmark Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.50%
- 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 Sunmark 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.
Regular Share Certificate
Up to 4.25%APY · 9 terms
Minimum opening deposit of $500. Automatically renews at maturity; 10-day grace period after maturity for certificates with maturities greater than 90 days. Early withdrawal penalties apply. No additional deposits permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 90 Days | 2.50% | $62 |
| 6 monthsRate accurate as of August 3, 2026 | 4.25% | $210 |
| 9 months | 3.00% | $224 |
| 12 months | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.50% | $712 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.50%APY · 7 terms
Minimum opening deposit of $500. Automatically renews at maturity; 10-day grace period after maturity for certificates with maturities greater than 90 days. Early withdrawal penalties apply. No additional deposits permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.00% | $224 |
| 12 months | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.50% | $712 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- sunmark.org/rates · captured Sep 17, 2026
Who can join Sunmark Credit Union
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