Credit union · NCUA insured
UFirst Federal Credit Union CD Rates
UFirst Federal Credit Union’s best CD rate is 0.70% APY on a 4-year share certificate (CD), with extra requirements. Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How UFirst Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Plattsburgh, NY, where UFirst Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UFirst Federal Credit Union
0.65%APY
- Term
- 48 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $263
UFirst Certificate Share Account
Top rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $111
2nd-highest rate
NBT Bank
4.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $132
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
UFirst Certificate Share Account
Up to 0.65%APY · 5 terms
No maintenance fees. $500 minimum deposit to open ($100 minimum for members 18 or younger). Maximum dollar amount is $90,000. Early withdrawal penalty applies. Dividends compound monthly. Eligible members may receive a Certificate Loyalty Perk rate bonus on regular certificates (does not apply to specials).
| Term | APY · $500 – $5,000 | APY · $5,000 – $10,000 | APY · $10,000 – $90,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsWith draft (checking account) | 0.25% | 0.27% | 0.29% | 0.27%0.25% $500–$5k0.29% $10k–$90k | $13 |
| 6 monthsWithout draft | 0.15% | 0.17% | 0.19% | 0.17%0.15% $500–$5k0.19% $10k–$90k | $8 |
| 12 monthsWith draft (checking account) | 0.30% | 0.32% | 0.35% | 0.32%0.30% $500–$5k0.35% $10k–$90k | $32 |
| 12 monthsWithout draft | 0.20% | 0.22% | 0.25% | 0.22%0.20% $500–$5k0.25% $10k–$90k | $22 |
| 24 monthsWith draft (checking account) | 0.40% | 0.42% | 0.45% | 0.42%0.40% $500–$5k0.45% $10k–$90k | $84 |
| 24 monthsWithout draft | 0.30% | 0.32% | 0.35% | 0.32%0.30% $500–$5k0.35% $10k–$90k | $64 |
| 36 monthsWith draft (checking account) | 0.50% | 0.52% | 0.55% | 0.52%0.50% $500–$5k0.55% $10k–$90k | $157 |
| 36 monthsWithout draft | 0.40% | 0.42% | 0.45% | 0.42%0.40% $500–$5k0.45% $10k–$90k | $127 |
| 48 monthsWith draft (checking account) | 0.60% | 0.65% | 0.70% | 0.65%0.60% $500–$5k0.70% $10k–$90k | $263 |
| 48 monthsWithout draft | 0.45% | 0.50% | 0.60% | 0.50%0.45% $500–$5k0.60% $10k–$90k | $202 |
Sources (2)
All captured Sep 17, 2026
Savings Builder Share Certificate Account
Up to 0.50%APY · 1 term
No maintenance fees. Fixed term of 12 months. $10 minimum to open. No partial withdrawals; if an early withdrawal is made, all dividends are lost in penalty. Does not renew at the end of the 12-month period but can be rolled into another savings or share certificate account. Each pay period requires a deposit of at least $10/weekly, $20/biweekly, or $40/monthly (automatic deposits via Direct Deposit). Limit to deposit is $2,500 per year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsWith draft (checking account). Deposit limit of $2,500 per year; mandatory scheduled deposit each pay period ($10 weekly, $20 biweekly, or $40 monthly) | 0.50% | $50 |
| 12 monthsWithout draft. Deposit limit of $2,500 per year; mandatory scheduled deposit each pay period ($10 weekly, $20 biweekly, or $40 monthly) | 0.35% | $35 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Usaver Certificates
Up to 3.00%APY · 1 term
Valid for youth ages 0-18 (kids 0-17). Term Share Certificate must be in youth's name. $100 minimum to open with a maximum amount of $5,000. Additional deposits can be made at anytime throughout the term. Early withdrawal penalty applies. 12 month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor teens ages 13-17. Additional deposits permitted | 3.00% | — |
| 12 monthsFor youth ages 0-12. Additional deposits permitted | 2.00% | — |
Sources (1)
- ufirstfcu.net/accounts/usaver-accounts · captured Sep 17, 2026
Who can join UFirst Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.