Credit union · NCUA insured
Tri County Area Federal Credit Union CD Rates
Tri County Area Federal Credit Union’s best CD rate is 3.98% APY on a 4-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Tri County Area Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Tri County Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tri County Area Federal Credit Union
3.87%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,640
Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Tri County Area Federal Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 9–15 months9–15 mo3.72%
- 16–30 months16–30 mo3.77%
- 31–60 months31–60 mo3.87%
- QualifiedQualified3.87%
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 Tri County Area 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.
Certificates
Up to 3.87%APY · 7 terms
Dividends paid monthly; No setup or maintenance fees; Add-on option available to make additional deposits; Funds fully insured up to $250,000 by the NCUA.
| Term | APY · $500 and up | APY · $50,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsDividends paid monthly | 3.72% | 3.77% | 3.82% | 3.72%3.77% from $50k3.82% from $75k | $372 |
| 18 monthsDividends paid monthly | 3.72% | 3.77% | 3.82% | 3.72%3.77% from $50k3.82% from $75k | $563 |
| 24 monthsDividends paid monthly | 3.77% | 3.82% | 3.87% | 3.77%3.82% from $50k3.87% from $75k | $768 |
| 30 monthsDividends paid monthly | 3.77% | 3.82% | 3.87% | 3.77%3.82% from $50k3.87% from $75k | $969 |
| 36 monthsDividends paid monthly | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $50k3.92% from $75k | $1,190 |
| 48 monthsDividends paid monthly | 3.87% | 3.92% | 3.98% | 3.87%3.92% from $50k3.98% from $75k | $1,640 |
| 60 monthsDividends paid monthly | 3.87% | 3.92% | 3.98% | 3.87%3.92% from $50k3.98% from $75k | $2,091 |
Special-purpose accounts
Certificates (IRA)
Up to 3.87%APY · 7 terms
Dividends paid monthly; No setup or maintenance fees; Add-on option available to make additional deposits; Funds fully insured up to $250,000 by the NCUA.
| Term | APY · $500 and up | APY · $50,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsDividends paid monthly | 3.72% | 3.77% | 3.82% | 3.72%3.77% from $50k3.82% from $75k | $372 |
| 18 monthsDividends paid monthly | 3.72% | 3.77% | 3.82% | 3.72%3.77% from $50k3.82% from $75k | $563 |
| 24 monthsDividends paid monthly | 3.77% | 3.82% | 3.87% | 3.77%3.82% from $50k3.87% from $75k | $768 |
| 30 monthsDividends paid monthly | 3.77% | 3.82% | 3.87% | 3.77%3.82% from $50k3.87% from $75k | $969 |
| 36 monthsDividends paid monthly | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $50k3.92% from $75k | $1,190 |
| 48 monthsDividends paid monthly | 3.87% | 3.92% | 3.98% | 3.87%3.92% from $50k3.98% from $75k | $1,640 |
| 60 monthsDividends paid monthly | 3.87% | 3.92% | 3.98% | 3.87%3.92% from $50k3.98% from $75k | $2,091 |
Junior Certificates
3.72%APY · 1 term
Dividends paid monthly; No setup or maintenance fees; Add-on option available to make additional deposits; Funds fully insured up to $250,000 by the NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly | 3.72% | $372 |
Who can join Tri County Area 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
- Anyone who lives, works, worships, or attends school in one of the 41 specified townships or boroughs in Berks, Chester, and Montgomery counties is eligible to join.
Employers and groups
- Any business or other legal entity operating within one of the specified 41 townships or boroughs is eligible for membership.
Family and household
- Family members related by blood or adoption and household members of a current Tri County Area Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.