Credit union · NCUA insured
Top Tier Federal Credit Union CD Rates
Top Tier Federal Credit Union’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Top Tier Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Top Tier Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Top Tier Federal Credit Union
4.00%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $816
Term Certificates
Top rate
Tri Boro Federal Credit Union
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
2nd-highest rate
First Federal of Greene or FFGC
4.35%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $435
Top Tier Federal Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Top Tier 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.
Term Certificates
Up to 4.00%APY · 9 terms
Minimum purchase amount of $500 with no maximum purchase amount. Terms range from 3 months to 5 years. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty may be imposed | 3.50% | $86 |
| 6 monthsEarly withdrawal penalty may be imposed | 3.50% | $173 |
| 9 monthsNo Penalty; no penalty will be assessed for early withdrawal if funds are held for 7 days | 2.50% | $187 |
| 12 monthsEarly withdrawal penalty may be imposed | 3.65% | $365 |
| 18 monthsEarly withdrawal penalty may be imposed | 3.50% | $530 |
| 24 monthsNo new money requirements | 4.00% | $816 |
| 36 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,087 |
| 48 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,475 |
| 60 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,877 |
Sources (4)
- toptierfcu.org/rates/savings-rates
- toptierfcu.org/accounts/term-certificates
- toptierfcu.org
- toptierfcu.org/24-month-term-certificate
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 6 terms
Available as Traditional IRA or Roth IRA. Minimum $250 to open, terms available from 12 months to 5 years (60 months). Contributions require earned income.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable as Traditional or Roth IRA | 3.65% | $365 |
| 18 monthsAvailable as Traditional or Roth IRA | 3.50% | $530 |
| 24 monthsAvailable as Traditional or Roth IRA | 4.00% | $816 |
| 36 monthsAvailable as Traditional or Roth IRA | 3.50% | $1,087 |
| 48 monthsAvailable as Traditional or Roth IRA | 3.50% | $1,475 |
| 60 monthsAvailable as Traditional or Roth IRA | 3.50% | $1,877 |
Sources (2)
All captured Sep 17, 2026
Who can join Top Tier Federal Credit Union
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