Credit union · NCUA insured
TrailNorth Federal Credit Union CD Rates
Top CarrotTrailNorth Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 2 months to 5 years. Rates checked October 16, 2026.
How TrailNorth Federal Credit Union’s CD rates compare
Compared with banks and credit unions in New York, where TrailNorth Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TrailNorth Federal Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $425
Trailblazer Share Certificate
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
TrailNorth Federal Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.20%
- 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 TrailNorth 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.
Trailblazer Share Certificate
Up to 4.25%APY · 3 terms
Designed for first-time savers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 18 months | 4.15% | $629 |
| 24 months | 4.00% | $816 |
Sources (4)
- trailnorth.com
- trailnorth.com/rates
- trailnorth.com/bank/deposit-rates
- trailnorth.com/bank/share-certificates
All captured Sep 17, 2026
Share Certificates
Up to 3.82%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 monthsTerm: 60-89 Days | 0.50% | $8 |
| 3–5 monthsTerm: 90-179 Days | 0.75% | $19 |
| 6–12 monthsTerm: 180-364 Days | 3.82% | $189 |
| 12–23 monthsTerm: 1 yr to less than 2 yrs | 3.56% | $356 |
| 24–35 monthsTerm: 2 yrs to less than 3 yrs | 3.30% | $671 |
| 36–47 monthsTerm: 3 yrs to less than 4 yrs | 3.20% | $991 |
| 48–59 monthsTerm: 4 yrs to less than 5 yrs | 3.15% | $1,321 |
| 60–119 monthsTerm: 5 yrs to less than 10 yrs | 3.05% | $1,621 |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.56%APY · 5 terms
Available for Traditional, Roth, and Educational IRAs; terms of 1 year through 10 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsTerm: 1 yr to less than 2 yrs | 3.56% | $356 |
| 24–35 monthsTerm: 2 yrs to less than 3 yrs | 3.30% | $671 |
| 36–47 monthsTerm: 3 yrs to less than 4 yrs | 3.20% | $991 |
| 48–59 monthsTerm: 4 yrs to less than 5yrs | 3.15% | $1,321 |
| 60–119 monthsTerm: 5 yrs to less than 10 yrs | 3.05% | $1,621 |
Sources (3)
All captured Sep 17, 2026
Who can join TrailNorth 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
- Individuals who live, work, worship, or attend school, or businesses and legal entities located in Essex, Washington, Warren, Clinton, and Franklin Counties in New York and Addison County in Vermont are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) of individuals within the credit union's field of membership are eligible to join, regardless of whether the relative is a member.
Membership information collected October 5, 2026.