SeaComm Federal Credit Union has several excellent CD and IRA CD rates from terms of 2 to 5 years as of 7/10/10:
- 3.49% APY 5-year CD and IRA CD
- 3.25% APY 4-year CD and IRA CD
- 3.13% APY 3-year CD and IRA CD
- 3.08% APY 2.5-year CD and IRA CD
- 2.28% APY 2-year CD and IRA CD
Minimum deposit is $1,000.
Membership is quite limited. Here's an excerpt from the credit union's FOM page:
You are eligible to join SeaComm if you live, work, worship or attend school anywhere in St. Lawrence County or in the following municipalities of Franklin County: Bangor, Bellmont, Bombay, Brandon, Burke, Chateaugay, Constable, Dickinson, Duane, Fort Covington, Malone, Moira, St. Regis Reservation, Waverly and Westville.