4.75% 60-Month CD at Suffolk FCU in New York

Suffolk Federal Credit Union is offering some competitive long-term certificates which include a 4.75% APY 60-month CD, a 4.10% APY 48-month CD and a 4.00% APY 36-month CD. There are also some special short-term certificates. The best ones have an APY of 3% for terms of 5 and 11 months. Minimum deposit is $500. The standard certificates are also available as IRA and SEP certificates. The credit union also has a competitive rate for its non-reward checking account which pays 3% APY for balances of at least $50K. These rates are listed in the credit union's rate table as of 1/09/09.

Membership is open to anyone who lives or works in Suffolk County, New York. Please refer to the credit union's About Page for more details. Membership requires a minimum balance of $5 in the regular share savings account.

Branches are located Medford, Commack, Islandia, Miller Place, Riverside and West Babylon, NY.

Suffolk FCU has some strong financial ratings for soundness: 5 stars (superior) at BauerFinancial and 4 stars (sound) at Bankrate.com. Both are based on 9/30/08 financial data. The credit union is federally insured by the NCUA (Charter # 17914).

Tags: New York, CD rates, IRA rates, checking account, Suffolk Federal Credit Union