Credit union · NCUA insured
WNY Federal Credit Union CD Rates
WNY Federal Credit Union’s best CD rate is 3.39% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How WNY Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where WNY Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WNY Federal Credit Union
3.34%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $334
Term Share (Certificate)
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
WNY Federal Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.28%
- 9–15 months9–15 mo3.34%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.98%
- QualifiedQualified3.34%
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 WNY 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.
Jumbo Term Share (Certificate)
Up to 3.39%APY · 5 terms
Penalties for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 month terms not eligible for IRA term share deposits | 3.33% | $165 |
| 12 months | 3.39% | $339 |
| 18 months | 3.08% | $466 |
| 24 months | 2.98% | $605 |
| 36 months | 3.03% | $937 |
Sources (1)
- wnyfcu.com/save/savings-rates · captured Oct 6, 2026
Term Share (Certificate)
Up to 3.34%APY · 5 terms
Penalties for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 month terms not eligible for IRA term share deposits | 3.28% | $163 |
| 12 months | 3.34% | $334 |
| 18 months | 3.03% | $458 |
| 24 months | 2.93% | $595 |
| 36 months | 2.98% | $921 |
Sources (1)
- wnyfcu.com/save/savings-rates · captured Oct 6, 2026
Who can join WNY 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in, and businesses and other legal entities located in, Erie County, New York.
Cost to join
- Establishes membership with a $25 opening deposit in a Classic Savings account.
Membership information collected October 5, 2026.