5.50% 12-Month CD at a New York CU

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The Fredonia Central School Federal Credit Union has some very good CD rates. For a $500 minimum deposit requirement, a 12-month CD has a rate of 5.00% APY. A jumbo certificate gets an extra 0.50% bump so the APY would be 5.50%. The minimum for a jumbo is $50K. Another good feature of these CDs is that there's only a 90 day early withdrawal penalty. The longer term CDs also have high rates. Below is a list of the current rates:

Term $500 min $50K min
APY APY
--------- -------- ---------
12 months 5.00% 5.50%
24 months 5.10% 5.60%
36 months 5.20% 5.70%
48 months 5.30% 5.80%

Unfortunately, this is a small credit union with just one branch located in Fredonia, New York with a small field of membership. People who live, work, worship or attend school in the City of Dunkirk, New York and in certain other areas are eligible to join.

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