Credit union · NCUA insured
The Finest Federal Credit Union CD Rates
The Finest Federal Credit Union’s best CD rate is 3.56% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How The Finest Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where The Finest Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Finest Federal Credit Union
3.56%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $356
Share Certificates (CDs)
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
The Finest Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.56%
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 The Finest 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 (CDs)
Up to 3.56%APY · 5 terms
Membership eligibility includes NYS (City, State, Federal) Law Enforcement personnel, retirees, and family members. $500 minimum deposit. Fixed rate. Dividends compound daily and are paid monthly. Automatically renews upon maturity with a 7 business day grace period. Penalty for early withdrawal is 90 days of simple interest at the certificate rate. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.56% | $356 |
| 24 months | 3.56% | $725 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 3.56%APY · 5 terms
Membership eligibility includes NYS (City, State, Federal) Law Enforcement personnel, retirees, and family members. $500 minimum deposit. Available in Traditional IRA and Roth IRA wrappers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.56% | $356 |
| 24 months | 3.56% | $725 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (2)
All captured Sep 17, 2026
Who can join The Finest Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.