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Credit union · NCUA insured

Town of Cheektowaga Federal Credit Union CD Rates

Top Carrot, Carrot Score 94Top Carrot

Town of Cheektowaga Federal Credit Union’s best CD rate is 4.32% APY on a 4-year share certificate (CD). Terms run from 1 year to 4 years. Rates checked October 16, 2026.

How Town of Cheektowaga Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Buffalo, NY, where Town of Cheektowaga Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 94

    This credit union’s best

    Town of Cheektowaga Federal Credit Union

    4.32%APY

    Term
    48 months
    Requires
    None
    Minimum
    —
    Earns on $10,000
    $1,843

    Share Certificates

  • Top rate

    HSBC USA

    4.60%APY

    Term
    24 months
    Requires
    Another account
    Minimum
    $1,000
    Earns on $10,000
    $941

    HSBC USA rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Ukrainian Federal Credit Union

    4.50%APY

    Term
    36 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $1,412

    Ukrainian Federal Credit Union rates

Compare CD rates near you →

Town of Cheektowaga Federal Credit Union CD score

89

CD score

Higher than 86% of U.S. banks and credit unions

By term
  • 9–15 months9–15 mo4.06%
  • 16–30 months16–30 mo4.11%
  • 31–60 months31–60 mo4.32%
  • QualifiedQualified4.32%

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.

How the score works →

Where Town of Cheektowaga 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.

Who can join Town of Cheektowaga Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of A.G. Roehrig & Son are eligible for membership.
  • Members of Bellevue Volunteer Fire Department are eligible for membership.
  • Members of Cleveland Hill Fire Department No. 6 are eligible for membership.
  • Members of Francis J. Donovan Post # 1626 are eligible for membership.
  • Members of Doyle Hose Company No.1 are eligible for membership.
  • Members of Forks Fire District #3 are eligible for membership.
12 more ways to join

Employers and groups

  • Members of Cheektowaga Historical Association are eligible for membership.
  • Members of Hy-View Fire Company in the Town of Cheektowaga are eligible for membership.
  • Members of U-Crest Fire Company, Inc. District No. 4 are eligible for membership.

Military, government and schools

  • Employees of this credit union are eligible for membership.
  • Employees and elected / appointed officials of the Town of Cheektowaga are eligible for membership.
  • Members of Pvt. Leonard Post, Jr. Post No.6251 Veterans of Foreign Wars are eligible for membership.
  • Employees and elected / appointed officials of the Village of Depew are eligible for membership.
  • Employees and elected / appointed officials of the Village of Sloan are eligible for membership.

Family and household

  • Members of the immediate family or household of eligible persons are eligible for membership.
  • Spouses of persons who died within the field of membership of the credit union are eligible for membership.

Other ways

  • Organizations of eligible persons, and corporate or other legal entities are eligible for membership.
  • Persons retired as pensioners or annuitants from the qualifying employment groups are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Town of Cheektowaga Federal Credit Union overview