Credit union · NCUA insured
TCT FCU CD Rates
Top CarrotTCT FCU’s best CD rate is 3.60% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How TCT FCU’s CD rates compare
Compared with banks and credit unions near Albany, NY, where TCT FCU has the most branches. $10,000, best rate first.
This credit union’s best
TCT FCU
3.60%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $178
Share 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
TCT FCU CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo0.50%
- 16–30 months16–30 mo0.55%
- 31–60 months31–60 mo0.65%
- QualifiedQualified3.60%
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 TCT 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.
Share Certificates
Up to 3.60%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 7 months | 1.40% | $81 |
| 9 months | 0.30% | $22 |
| 12 months | 0.35% | $35 |
| 13 months | 0.50% | $54 |
| 18 months | 0.50% | $75 |
| 24 months | 0.55% | $110 |
| 36 months | 0.60% | $181 |
| 60 months | 0.65% | $329 |
Sources (1)
- tctfcu.org/share-certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.60%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 7 months | 1.40% | $81 |
| 9 months | 0.30% | $22 |
| 12 months | 0.35% | $35 |
| 13 months | 0.50% | $54 |
| 18 months | 0.50% | $75 |
| 24 months | 0.55% | $110 |
| 36 months | 0.60% | $181 |
| 60 months | 0.65% | $329 |
Sources (1)
- tctfcu.org/share-certificates · captured Oct 5, 2026
Who can join TCT FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Faculty and staff at 47 school districts are eligible for membership.
- Students at eligible schools are eligible for TCT membership.
Membership information collected October 5, 2026.