SECNY Federal Credit Union Celebrates With 30-Month CD, 3.00% APY


Deal Summary: CD Anniversary Specials – 30-day, 3-month, and 30-month, 3.00% APY, $3k minimum deposit, new money.

Availability: Cayuga, Madison, Onondaga, and Oswego Counties, New York.

Now through October 15, 2019, SECNY Federal Credit Union (SECNY) is offering 3.00% on its 30-day, 3-month, and 30-month CD Anniversary Specials. The minimum opening deposit is $3k of new money, with no stated balance cap. The anniversary being marked is 30 years of continuous operation at SECNY’s Onondaga Hill branch office.

Only the 30-month Anniversary Special is available as an IRA (Traditional, Roth, and CESA), earning the same 3.00% APY with the same funding requirements.

As stated on the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

Terms of 1 year or less 180 days’ dividends.
Terms of more than 1 year 365 days’ dividends.

There is a 10-day grace period before the CD automatically renews to a similar term length. If you choose not to renew your CD, maturing funds will be distributed through a cashier’s check or can be transferred to an SECNY savings or checking account.


Headquartered in Syracuse, New York, SECNY Federal Credit Union’s field of membership (FOM) is residency based, with individuals who live, work, worship, or attend school in the central New York counties of Cayuga, Madison, Onondaga, or Oswego, eligible to join.

FYI – SECNY is an acronym for “Serving Everyone in Central New York.”

Employees and members of more than 180 Employer Groups also qualify for membership, as do the employees and retirees of 18 school districts and educational institutions.

Immediate family and household members of current SECNY are welcome to apply. “Immediate family” is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchildren, stepsibling, and adoptive relationships.

Joining SECNY and/or opening a CD can be done at any of the five full-service New York branches, located in Baldwinsville, Manlius, North Syracuse, Skaneateles, and Syracuse.

There are also branches with limited hours in the Onondaga Central Junior/Senior High School and the LaFayette Central Junior/Senior High School. These two branches are “open to employees, students and registered visitors of Onondaga Central Schools (OCS) only.”

When you join SECNY, a regular share/savings account is opened for you. Your savings are called "shares" because they represent shares of ownership. A minimum balance of $5 must be maintained to keep the account open.

SECNY also has a Contact Us form to start the application process.

If you're interested in any of our services, or you'd like to become a SECNY FCU member, please fill out and submit the secure form below.

Credit Union Overview

SECNY Federal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 2.23% (excellent) based on June 30, 2019 data. In the past year, SECNY increased its total non-brokered deposits by $5.72 million, an excellent annual growth rate of 3.23%. Please refer to our financial overview of SECNY Federal Credit Union (NCUA Charter # 20496) for more details.

Founded in 1971, SECNY’s original FOM included the employees of most of the school districts in Central New York, in addition to the employees of several municipalities and local industries. In 2001, the Credit Union was granted a federal charter, expanding the FOM to include the residents of four Central New York counties. SECNY has continued to maintain its focus on the area’s educational systems, including fostering student-run SECNY branches. According to a Onondaga Central Schools press release,

Onondaga Central School District and SECNY Federal Credit Union are pleased to announce the opening of a student-run credit union branch located at the high school. A grand opening celebration will take place on Thursday, September 27, 2018 at 11:00am.

Earlier this year, long-time connections with School Ambassadors led to a financial literacy presentation for a Personal Finance class. After the students (and faculty) recognized the value of this information, the idea of a student-run branch became reality. As a credit union rooted in education for over 45 years, SECNY believes this is the next step to increasing the positive impact of financial education in the community.

How the CD Anniversary Special Compares

When compared to 238 similar length-of-term CDs tracked by that require a similar minimum deposit and are available within the FOM, SECNY Federal Credit Union's 30-month CD Anniversary Special APY currently ranks third, albeit by only 3 bps.

The above rates are accurate as of 9/20/2019.

To look for the best CD rates, either nationwide or state specific, please refer to our CD Rates Table page.

Related Pages: Syracuse CD rates, 1-year CD rates, 5-year CD rates, IRA CD rates

  |     |   Comment #1
This deal expired yesterday for the 30 month. It is only good for the 30 day and 3 month certificates now.
Top CD Rates at SECNY Federal Credit Union in Central New York

SECNY Federal Credit Union has some very competitive CD and IRA CD rates on its 4-year and 5-year terms. The best rates require either an IRA CD or a Jumbo CD with a $50K minimum deposit. These include a 2.30% APY for 5 years and 2.10% APY for 4 years. For a regular CD with a $1,000 minimum the APYs are 2.10% for 5 years and 2.00% for 4 years. The rates for shorter terms are not nearly as competitive. These rates are listed in the credit union's savings rates...

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