Credit union · NCUA insured
TEG Federal Credit Union CD Rates
TEG Federal Credit Union’s best CD rate is 4.35% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How TEG Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where TEG Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TEG Federal Credit Union
4.35%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,363
Share Certificates
Top rate
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
2nd-highest rate
International Bank of Chicago
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
TEG Federal Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
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 TEG 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 Certificates
Up to 4.35%APY · 7 terms
Membership requires a $5 minimum share account balance. Open to anyone who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY. Dividends paid monthly. Penalty fee for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings | 0.55% | $14 |
| 6 months$500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings | 3.95% | $196 |
| 12 months$500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings | 4.05% | $405 |
| 24 months$500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings | 4.15% | $847 |
| 36 months$500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings | 4.35% | $1,363 |
| 48 months$500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings | 3.00% | $1,255 |
| 60 months$500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings | 3.00% | $1,593 |
Sources (1)
- tegfcu.com/certificates-iras · captured Oct 5, 2026
Who can join TEG Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Dutchess, Orange, Rockland, Putnam, Sullivan, Ulster, and Westchester counties.
Family and household
- Membership is open to immediate families of eligible individuals who live, work, worship, or attend school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY.
Other ways
- Business membership is available to eligible businesses in or doing business in Dutchess, Orange, Ulster, Putnam, Sullivan, Westchester, or Rockland County and registered to do business in New York State.
Cost to join
- A minimum deposit of $5 opens the door to credit union membership benefits.
Membership information collected October 5, 2026.