There are a few credit unions around the nation that offer top CD rates. Unfortunately, most of these credit unions have narrow fields of membership, and that's the case with Sea Comm Federal Credit Union. The credit union continues to offer very competitive rates for its share and IRA certificates. The best deals are its long-term and mid-term certificates which include a 2.49% APY 5-year CD and a 2.02% APY 3-year CD. Other top rates include a 2.25% APY 4-year CD and a 1.43% APY 2-year CD. Minimum deposit is $1,000. These rates are listed at the credit union's rate page as of 5/22/2012.. The credit union also has a loyalty rewards relationship program. If you can qualify for this program, you may be able to get an extra 0.50% on the certificate rates.
Credit union membership is open to those who live, work, worship or attend school anywhere in St. Lawrence County or in parts of Franklin County in New York State. Membership requires a minimum balance of $5 in the Regular Share Savings Account. Please refer to the credit union's Join-Us Page for more details.
The credit union has an overall health score at DepositAccounts.com of 5 stars (out of 5) with a Texas ratio of 3.38% (excellent) based on December 2011 data. Please refer to our financial overview of Sea Comm Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 15672).
How These CD Rates Compare
The best 5-year CD rate that's nationally available is 2.25% APY at Astera Credit Union. The best 3-year CD rate is 1.76% APY at Melrose Credit Union. Both of these credit unions make it easy for anyone in the nation to qualify for membership. These rates are accurate as of 5/22/2012.
Searching for the Best CD and Checking Rates
To search for the best nationwide CD rates and the best CD rates in your state, please refer to the following sections of DepositAccounts.com: