Credit union · NCUA insured
Teachers Federal Credit Union CD Rates
Teachers Federal Credit Union’s best CD rate is 4.50% APY on a 22-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Teachers Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Teachers Federal Credit Union
4.50%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $840
Certificate Accounts
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
Teachers Federal Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.50%
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 Teachers 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.
Certificate Accounts
Up to 4.50%APY · 12 terms
$1,000.00 minimum balance to earn APY and to open an account. Certificates automatically renew at maturity. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account. Penalty may be imposed for early withdrawal. Maintenance fee is $0.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.50% | $173 |
| 13 months | 3.75% | $407 |
| 15 months | 3.25% | $408 |
| 16 months | 3.25% | $436 |
| 18 months | 3.25% | $491 |
| 22 monthsCertificate is available for New Money deposits only. New Money is defined as money not currently on deposit or held by Teachers FCU within the previous 12 months | 4.50% | $840 |
| 24 months | 3.50% | $712 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- teachersfcu.org/rates · captured Oct 5, 2026
Jumbo Certificates
Up to 4.00%APY · 7 terms
Minimum balance of $100,000.00. Early withdrawal penalty may apply. Maintenance fee is $0.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 2.50% | — |
| 2 months | 2.50% | — |
| 3 months | 3.25% | — |
| 6 months | 3.50% | — |
| 8 months | 3.75% | — |
| 12 months | 4.00% | — |
| 16 months | 3.00% | — |
Sources (1)
- teachersfcu.org/rates · captured Oct 5, 2026
Special-purpose accounts
Coverdell Education Savings Accounts Certificates
Up to 4.00%APY · 11 terms
Minimum balance of $500.00 to open and earn APY. A penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.50% | $173 |
| 9 months | 3.75% | $280 |
| 12 months | 4.00% | $400 |
| 15 months | 3.75% | $471 |
| 18 months | 3.25% | $491 |
| 24 months | 3.50% | $712 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- teachersfcu.org/rates · captured Oct 5, 2026
Traditional & Roth Individual Retirement Accounts (IRA) Certificates
Up to 4.00%APY · 12 terms
Available as Traditional or Roth IRA. Minimum balance to earn APY is $1,000. Membership at Teachers is required by opening a Regular Savings or Youth Savings account with a minimum opening deposit of $1.00. Early withdrawal penalties apply. IRA maintenance fee is $0.00. Outgoing transfers and rollovers are free.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.50% | $173 |
| 9 months | 3.75% | $280 |
| 12 months | 4.00% | $400 |
| 15 months | 4.00% | $502 |
| 18 months | 3.25% | $491 |
| 22 months | 3.25% | $604 |
| 24 months | 3.50% | $712 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- teachersfcu.org/rates · captured Oct 5, 2026
Who can join Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open nationwide to anyone and everyone under an open charter.
Membership information collected October 5, 2026.