bank rates

22-Month CD Pays 2% In New York

New York state quarterWestern New York savers should check out Family First Federal Credit Union’s special 22-month CD rates.

It pays 2.00% APY with a $500 minimum deposit.

That beats the top nationally available 24-month offer on our CD Rates Leaderboard by nearly a half percentage point.

How local 2-year CDs rate

Institution APY Location
Gulf Coast Federal Credit Union 1.55% Texas
Transit Employees Federal Credit Union 1.55% Washington, D.C.

Not an easy task, given that recent CD rate hikes resulted in the best lead rate for the 24-month term that we’ve seen in years.

You have to be a member of Family First Federal Credit Union to buy these certificates of deposit. Membership is available to anyone who lives, works, worships, volunteers or attends school in the eastern portion of Monroe County or the western portion of Wayne County, as well as their immediate family members.

That geographic area includes part of Rochester and is detailed on the website.

Membership requires a $5 deposit in a share savings account.

Members who already have the funds in a credit union account can buy CDs over the phone. Those using new money must visit a branch in person.

The credit union’s four branches are in Rochester, Webster, Henrietta and Fairport.

Learn more about Family First Federal Credit Union at or call 585-586-8225.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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