Credit union · NCUA insured
Twin Rivers Federal Credit Union CD Rates
Twin Rivers Federal Credit Union’s best CD rate is 2.78% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Twin Rivers Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Massena, NY, where Twin Rivers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Twin Rivers Federal Credit Union
2.78%APY
- Term
- 36 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $857
Share Certificates
Top rate
Massena Savings & Loan Association
4.90%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,543
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
Twin Rivers Federal Credit Union CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo1.51%
- 16–30 months16–30 mo2.63%
- 31–60 months31–60 mo2.78%
- QualifiedQualified2.78%
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 Twin Rivers 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
Up to 2.78%APY · 4 terms
A penalty may be imposed for early withdrawals from Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 12 months | 1.51% | $151 |
| 24 months | 2.63% | $533 |
| 36 months | 2.78% | $857 |
Sources (1)
- twinriversfcu.org/rates.php · captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
1.51%APY · 1 term
A penalty may be imposed for early withdrawals from Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.51% | $151 |
Sources (1)
- twinriversfcu.org/rates.php · captured Sep 17, 2026
Who can join Twin Rivers 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to businesses or other legal entities located in St. Lawrence County, New York.
- Eligibility is open to individuals who live, work, worship, or attend school in St. Lawrence County, New York.
Membership information collected October 5, 2026.