Hudson valley credit union cd rates

Call 1-800-242-2120 for current rates and information on applicable terms and fees. The Credit Union reserves the right to change or terminate any of these offerings without notice. Dividends are calculated using the daily balance method. This method applies a periodic rate to the daily balance in the account each day.

Lobby / Driveup: 9:00 AM - 5:00 PM, Monday through Friday, and 9:00 AM - 2:00 PM on Saturday. Personal Tellers: 8:00 AM - 8:00 PM. Monday through Saturday, and 9:00 AM - 6:00 PM on Sunday. Have a question? Chat with us during normal business hours. For after-hours inquiries, please submit a c ontact request form .Compare Hudson Valley Federal Credit Union rates for CDs and Savings with our best rates for Savings and CD accounts. Be sure to check more popular bank …Mid-hudson Valley Federal Credit Union: Credit Union Center is located at 1099 Morton Blvd, Kingston, NY. Learn more about this bank location and find other branches in your area. ... Notable Rates Vs. Others; Savings 0.05% 5.02% →: 1-Year CD 2.35% 5.20% →: 2-Year CD ...Hudson Valley Federal Credit Union Adds 24-month Flex CD, 3.25% APY Hudson Valley FCU (NY) has a 24-month Flex CD (3.25% APY). Rate may change quarterly, based on Fed Funds Rate.Mid-hudson Valley Federal Credit Union: Mhvfcu - 1433 Route 300 Location. 1433 Route 300. Newburgh, NY 12550. Phone 8453364444. Notable Rates. Vs. Others. Savings 0.05%. 6.25 % →.ebranch.hvcu.orgHudson Valley Credit Union Review. Hudson Valley Credit Union was founded in 1963 and is based in Poughkeepsie, NY. Learn more about Hudson Valley Credit Union and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with Hudson Valley Credit Union.Explore competitive rates on loans, savings, and more with Mid-Hudson Valley Federal Credit Union.

Chat with one of our loan advisors to answer any questions you have! Or call us at 845.336.4444. Personal Loan rates range from a minimum of 8.74% to a maximum of 16.25% APR with terms ranging from 1 month minimum to 60 months maximum. Advertised rate based on credit qualifications.Contact Fishkill Branch. Phone Number: (845) 463-3011. Toll-Free: (800) 468-3011. Report Phone Problem. Address: Hudson Valley Credit Union Fishkill Branch 6 Schuyler Boulevard. Website:For complaints and inquiries concerning your mortgage or home equity, contact us at the address or phone numbers above. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at www.dfs.gov.. Hudson Valley Credit Union is committed to …Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. Learn more about accessibility. Unauthorized Access Warning – Access to Internet Banking and Mobile Banking is restricted to authorized HVCU members only. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. Learn more about accessibility. Unauthorized Access Warning – Access to Internet Banking and Mobile Banking is restricted to authorized HVCU members only. E-Services. Self-Help FCU's e-services will be available to Lower Valley CU members anytime on or after Monday, November 1, 2021. When accessing the services, use your new username and password. Here are some of Self-Help FCU's most popular services (click on any of the titles to be taken to the product/service information page on the Self ...

Unlike a purchase, most leases allow you to drive a new car every two to three years for a lower monthly payment. In general, if you drive less than 15,000 miles per year, leasing may be the right choice for you. Many of the dealers in our dealer network have leasing options available, and some even offer special incentives to make leasing more ...Apply for an account at our full-service credit union in Utica and Marcy, NY. If you're tired of the outrageous fees, lackluster interest rates and shoddy customer service you get from traditional banks, bring your banking needs to Mohawk Valley Federal Credit Union in Utica and Marcy. For years, we've been helping New York residents avoid the ...2.41%. 18-MONTH CD. 3.12%. 2-YEAR CD. 2.47%. 5-YEAR CD. 2.69%. Shop today's top CD rates in Pennsylvania. Click "Next" to connect with the bank and lock in your rate.Albany, New York CD Rates 2023. Below are the best one-year CD Rates from banks in Albany, New York. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market ...Awards & RecognitionThanks to Our 340,000+ Members and Growing. For 60 years, it's been Hudson Valley Credit Union's mission to provide affordable products & services to help our neighbors in the Hudson Valley succeed financially.

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We are thrilled to announce that Madeline Marricco has been awarded our Annual Scholarship. Join Mid-Hudson Valley Federal Credit Union for secure and convenient banking solutions tailored to your personal or business needs.Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. Learn more about accessibility. Unauthorized Access Warning - Access to Internet Banking is restricted to authorized HVCU members only.For complaints and inquiries concerning your mortgage or home equity, contact us at the address or phone numbers above. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at www.dfs.gov.. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible ...Find our high certificate rates right here! Open your certificate online today at Royal Credit Union! The interest rate a member pays is based on the member's credit worthiness, credit history, loan-to-value ratio and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Other restrictions may apply. Contact the credit union at 503.364.7999 for complete details.For complaints and inquiries concerning your mortgage or home equity, contact us at the address or phone numbers above. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at www.dfs.gov.. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible ...

Oct 9, 2023 · Compare the best One year CD rates in New York, NY from hundreds of credit unions. Compare the highest CD rates by APY, minimum balance, and more. Best Credit Union CD Rates in New York, NY - October 11, 2023 Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. Learn more about accessibility. Unauthorized Access Warning – Access to Internet Banking and Mobile Banking is restricted to authorized HVCU members only. Find our high certificate rates right here! Open your certificate online today at Royal Credit Union! From January 1, 1970 to December 31 st 2021, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 11.3% (source: www.spglobal.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983).We are thrilled to announce that Madeline Marricco has been awarded our Annual Scholarship. Join Mid-Hudson Valley Federal Credit Union for secure and convenient banking solutions tailored to your personal or business needs.Open An Account. You must be a member of Hudson Valley Credit Union to open an account. If you live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties, you are eligible to join the credit union. 845.463.3366, Monday-Friday, 8:30 am - 5 pm ET. Schedule a Consultation. T. 845.463.5646 I F. 877.309.6514. Toll-free: 866.913.1836. For faster service, please have your current insurance policy and driver's license number available when you call. If you prefer to send an email, please use our secure email form above.Join Mid-Hudson Valley Federal Credit Union. ... Q2 2023 Auto Financing Trends: Captive Lenders Surge Ahead Amid Shortening Loan Durations and Rising Interest Rates; 10 September 7, 2023. Mid-Hudson Valley Federal Credit Union Q2 2023 Financial Summary Now Available; News. 2023 Guide.

For complaints and inquiries concerning your mortgage or home equity, contact us at the address or phone numbers above. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at www.dfs.gov.. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible ...

Hudson Valley Federal Credit Union is an NCUA insured credit union located in POUGHKEEPSIE and has 5267560901 in assets. ... Forbright Bank raises 1-year CD rate to 5.65% APY - Sep 5, 2023; Bask Bank Raises Interest Savings Rate to 5.00% APY - Jul 31, 2023;Hudson Valley Credit Union. Hudson Valley Credit Union New Windsor NY (formerly known as Hudson Valley Federal Credit Union) has been serving members since 1963, with 21 branches and 21 ATMs. The New Windsor Branch is located at 265 Windsor Highway, New Windsor, NY 12553. Hudson Valley is the 6th largest credit union in New York and the 47th ...First Internet Bank of Indiana—4.59% APY. Barclays Bank—4.50% APY. SchoolsFirst Federal Credit Union—4.45% APY. See additional best 5-year CD rates. Note: Annual percentage yields (APYs ...Here you can find the most updated Hudson Valley Federal Credit Union bonuses, promotions, and offers here. Right now, they are offering bonus for up to $750 when you sign up for a checking account and meet all the requirements. Our Current Top Promotions. BMO Harris Smart Advantage Account $200 Bonus. U.S. Bank Business Checking $800 Bonus.Apply for an account at our full-service credit union in Utica and Marcy, NY. If you're tired of the outrageous fees, lackluster interest rates and shoddy customer service you get from traditional banks, bring your banking needs to Mohawk Valley Federal Credit Union in Utica and Marcy. For years, we've been helping New York residents avoid the ...Hudson Valley Credit Union's deposit account rates are listed above. You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.Mid-hudson Valley Federal Credit Union. Mid-hudson Valley Federal Credit Union is a NCUA insured federal credit union headquartered at PO Box 1429, Kingston, NY 12402. It was founded in 1963 and has approximately $1,436 million in assets. Customers can open an account at one of its 24 branches.Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. Learn more about accessibility. Unauthorized Access Warning – Access to Internet Banking and Mobile Banking is restricted to authorized HVCU members only. Join Hudson Valley Credit Union. ... Mortgage Rates Reach Peak Not Seen in Over Two Decades; 7 September 28, 2023. Redwood Credit Union Partners with Lumin Digital for Advanced Digital Banking; 8 September 27, 2023. Navy Federal Offers Direct Deposit Advance Assistance Amidst Government Shutdown Concerns;

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The rates, fees, and charges shown are effective Tuesday, October 3, 2023. Spokane Teachers Credit Union may offer other rates for these accounts from time to time. For the most current rates available, please call (509) 326‑1954 or toll-free at (800) 858‑3750.Take advantage of the latest Mid Hudson Valley Credit Union bonuses, promotions and offers here.Currently, you find bank bonuses with $10 or $200 in offers. Bank Checking Savings. ... CD Rates. Best No Penalty CD Rates; Best 6-Month CD Rates; Best 9-Month CD Rates; Best 1-Year CD Rates; Best 18-Month CD Rates; Best 2-Year CD Rates;Current savings and CD rate information of MHVFCU branch, and other current key financial statistics and information concerning MHVFCU credit union. ... Mid-hudson Valley Federal Credit Union : MHVFCU — distance 407.47. Deposit Rates - May 29, 2023. CD RATES APY MIN MAX; 6 Mo CD 0.40%: $500 - Compare: 6 Mo CD ...This time last year, the average 12-month deposit rate for a CD was just 0.31%, according to data from the Federal Deposit Insurance Corporation, or FDIC. ... Hudson Valley Credit Union: 5.59% APY ...What rates does Hudson Valley Credit Union offer on its share certificates? The share certificate rates for this account have an APY of1.84% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1.6% APY for 12-month CDs. Hudson Valley Federal Credit Union CD Summary. Direct Link to Offer; Account Type: Flex CD account; Current Promotion: 3.25% APY 24-Month Flex CD; Special APY/Balances: 24-Month Flex CD: 3.25% – $500; APY Rates/Balance: 0.25% APY for 3-Month CD – $500; 0.70% APY for 6-Month CD – $500; 1.50% APY for 12-Month CD – $500; 1.60% APY for 24 ...For complaints and inquiries concerning your mortgage or home equity, contact us at the address or phone numbers above. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at www.dfs.gov.. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible ...Best 1-year credit union CD rates 2023. Easy to join: Pentagon Federal Credit Union: 5.25% APY, $1,000 minimum deposit. Connexus Credit Union: 5.61% APY, $5,000 minimum deposit. Alliant Credit ...2.70%. Annual Percentage Yield. 2.73%. Rates effective as of October 6, 2023 and subject to change. Membership with a $5 Share Account required. Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal. Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and ...Our Favorite Credit Card Deals. Available to residents of New York, Hudson River Community Credit Union is offering a wide range of rates from 0.25% APY on a 6-Month CD to 1.25% APY on a 60-Month CD with an initial deposit of $500. With a wide variety of rates to choose from, there is definitely an account to fit all your banking needs. ….

For complaints and inquiries concerning your mortgage or home equity, contact us at the address or phone numbers above. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at www.dfs.gov.. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible ...Local, national, online and credit union CD rates available in New York, NY. Savings; CDs; Compare Savings and CDs; Home Equity; Mortgages; Loans; Highest Yielding CD Rates for New York, NY. ... Hudson Valley Credit Union 5.59%: Credit Union with nearby branch - View 12-Month Flex - $750 Min. State Bank of India 5.51%: Bank with nearby branch ...Hudson Valley Credit UnionHudson Valley Credit UnionWhat rates does Ent Credit Union offer on its share certificates? Ent Certificate of Deposit offers an APY starting at 0.29% and ranging up to 1.19%. APY stands for annual percentage yield and shows the interest rate paid by the share certificate after taking into …The policy should list Mid-Hudson Valley Federal Credit Union as the loss payee (P.O. Box 1155, Kingston, NY 12402), and your deductible cannot be more than $1,000. What are your current rates? Please visit our Rates Page to see our current rates.Ouachita Valley Credit Union offers you a CD rate up to a 18 month 1.91% APY rate. All you need to do is to pick your CD term, and have a minimum opening deposit of $500. This is a great opportunity to invest in a high-interest CD from Ouachita Valley Credit Union. However, you may want to compare them with our best CD Rates: 6-Month CD Rates.Mid-hudson Valley Federal Credit Union: MHVFCU is located at 1433 Route 300, Newburgh, NY. Learn more about this bank location and find other branches in your area. ... Forbright Bank raises 1-year CD rate to 5.65% APY - Sep 5, 2023; Bask Bank Raises Interest Savings Rate to 5.00% APY - Jul 31, 2023;Hudson Valley Federal Credit Union CD Rates: 24-Month Term 3.25% APY CD Rate Special [NY] MENU Home Best Bank Rates Best Bank Promotions Best CD Rates Best Credit Cards 0% APR Cards Balance Transfer Cards Business Cards Cash Back Cards Hotel Cards No Annual Fee Cards Rewards Cards Travel Rewards Cards Best Brokers Bank Deal Guy BANKS Chase Bank Hudson valley credit union cd rates, Best 3-Month CD: Bayer Heritage Federal Credit Union. Best 6-Month, 1-Year, and 18-Month CDs: Credit Human. Best 2-Year CD: Vibrant Credit Union. Best 3-Year CD: Jovia Financial Credit Union. Best 4-Year and 5-Year CDs: Farmers Insurance Federal Credit Union. Best 10-Year CD: Apple Federal Credit Union., $500 minimum deposit. This is a typical minimum initial deposit for the certificates we track. Wide selection of certificate terms. HVFCU CD allows you to create a certificate ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings., Home equity financing can help pay for home renovations, education expenses, a daughter's wedding, or a new business. We offer both loans and lines of credit to meet your needs. We offer loans and lines of credit that are secured by the balance in your savings account or certificate account. Loans and lines of credit starting at $500., According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs. Hudson Valley FCU Visa® Platinum Cash Rewards has a variable purchase APR that ranges from 17.50% up to 18%. The card has a variable balance transfer APR that ..., When it comes to choosing a credit union, there are many options available. However, two of the most popular choices are Navy Federal and other credit unions. In this article, we will compare and contrast Navy Federal with other credit unio..., Loan amounts above the conforming standard of $484,350 (in 2019) are Jumbo loans, which typically have tighter qualification standards. HVFCU can meet your needs with fixed-rate jumbo mortgages of 10, 15, 20, 25, and 30 years; it also offers ARM jumbo loans for 5 and 7 years., HVCU's First Time Car Buyer Guide. Buying your first car is exciting, but if you aren't prepared, it can feel very intimidating. No matter how close you are to getting new wheels, grab this free guide to help you through the entire process. For almost 60 years, HVCU has helped thousands of individuals from all ages and backgrounds manage ..., 0.10%. 0.10%. Legacy Checking Accounts are accounts established at WESTconsin Credit Union prior to January 1, 2021. These accounts will no longer be available to open as new accounts after January 1, 2021. Legacy AddsUp Checking. Balance up to $15,000. 2.00%. 2.02%. Balance more than $15,000., In The Community. Legislative Action. By joining Hudson Valley Credit Union, you made the smart choice to protect your financial future. As a not-for-profit financial cooperative, we are owned and organized by members like you. The credit union difference is rooted in "people helping people.". Our non-profit status means that all "profits ..., Penalties may be imposed for early withdrawal on CD's. Fees could reduce the earnings on the account, if applicable. Loan Rates disclaimer. Rates are accurate as of today's date and are subject to change without notice. Rates reflect a discount for making automatic payments from a PCSB Bank account. Without Autopay, rates will increase by 0.25%., Hudson Valley Credit Union | CREDIT UNIONS | FINANCIAL SERVICES | MORTGAGES. Skip to content ... Group Rate Travel; Chamber College Scholarship; Member News. Member Events Calendar ... Buy Local Expo; Videos; Very Important Members; Hudson Valley Credit Union. Categories. CREDIT UNIONS FINANCIAL SERVICES MORTGAGES. 1639 Ulster Avenue Lake ..., 3160 East Main St, Mohegan Lake, NY 10547. (the branch is located at Cortlandt Crossing. For GPS, please use 3144 E Main St) Monday-Friday: 8:30 am-7 pm. Saturday: 9 am-5 pm. BOOK AN APPOINTMENT., Check out the best credit union CD rates for your savings needs. Compare top rates and find the best deal for you. ... Rate Term Minimum; Valley Bank: 5.60% APY: 36 Months: $500.00: Bread Savings: 4.85% APY: 36 Months: The State Exchange Bank: 4.70% APY: 36 Months: $1.00: 4-Year CD Rates., What rates does Hudson Valley Credit Union offer on its share certificates? HVFCU CD ..., Certificate Accounts Disclosure. 1Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 4/1/2023 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate ..., To initiate an international wire transfer, or if you do not have access to Internet Banking or Mobile Banking, simply call our Contact Center at 845.463.3011 or visit any of our branches. Domestic wire transfer requests must be completed and received by 4:00 PM ET, Monday through Friday, for same-day processing., Hudson Valley Credit Union Newburgh NY (formerly known as Hudson Valley Federal Credit Union) has been serving members since 1963, with 21 branches and 21 ATMs. The Newburgh Branch is located at 953 Route 300, Newburgh, NY 12550. Hudson Valley is the 6th largest credit union in New York and the 47th largest in the United States. Write a review ..., Hudson Valley Credit Union Highland NY (formerly known as Hudson Valley Federal Credit Union) has been serving members since 1963, with 21 branches and 21 ATMs. The Highland Branch is located at 101 Tillson Avenue, Highland, NY 12528. Hudson Valley is the 6th largest credit union in New York and the 47th largest in the United States. Locations., Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. Learn more about accessibility. Unauthorized Access Warning – Access to Internet Banking and Mobile Banking is restricted to authorized HVCU members only. , Perfect for travel or those who use their card as main payment method. Earn up to 75,000 bonus points 1,2. Get 2 points for every dollar spent. $0 annual fee 3. Explore Card Details. Apply Online. View Important Rates and Disclosures., Find Branches. Savings Comparison. Mid-hudson Valley Federal Credit Union is a NCUA insured federal credit union headquartered at PO Box 1429, Kingston, NY 12402. It was founded in 1963 and has approximately $1,438 million in assets. Customers can open an account at one of its 24 branches., Apr 9, 2019 · Best CD Rates No Penalty CD Rates 6-Month CD Rates 9-Month CD Rates 12-Month CD Rates 18-Month CD Rates 24-Month CD Rates 36-Month CD Rates 48-Month CD Rates 60-Month CD Rates Stock Brokers Ally Invest J.P. Morgan Self-Directed Investing TradeStation , ENT Credit Union is a leading financial institution in Colorado, offering a wide range of banking services to its members. Whether you’re looking for a loan, a credit card, or simply a place to save your money, ENT Credit Union has you cove..., Jumbo Fixed Rates: 30 Year: 7.250%: 0: 7.263%: 15 Year: 6.750%: 0: 6.770%: Monthly payment on conforming fixed assumes a loan amount of $100,000. Jumbo payment assumes a loan amount of $1,200,000. Rates are subject to change without notice, and subject to credit approval. APR assumes a 20% down payment. Rates quoted for owner occupied ..., Hudson Valley Federal Credit Union's deposit account rates are listed above. You may find better online savings rates here or better local savings rates at banks or credit unions . Tables with the best CD rates are here ., Bonus: Your membership includes complimentary access to Financial Counselors that can review your credit report as well as answer questions about credit scoring, building a strong credit history and correcting any inaccuracies that appear. To speak with a counselor, call toll-free 888.456.2227., Mar 31, 2022 · About Hudson Valley Federal Credit Union Promotions. Money Market and CD rates, you are able to get the most out of your banking experience! Availability: NY (Bank Locator) ChexSystems: Unknown, Let us know; Credit Inquiry: Soft Pull; Credit Card Funding: Up to $10,000; Although you can earn a generous bonus from Hudson Valley Federal Credit ... , Persons can send money online, or send and receive money in-person at over 500,000 Western Union locations worldwide, according to the money transfer provider. Money may be sent online through a bank account, debit card or credit card., The PMI rate will vary based on credit score, down payment and other criteria. "Never an Issue" The staff is phenomenal. They are friendly and help you with anything. Management always says hello. ... Third Party Link Disclaimer: Linked websites are not under the control of Mid-Hudson Valley Federal Credit Union. We are not responsible for the ..., Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C WAI's Web Content Accessibility Guidelines (WCAG) 2.0. Learn more about accessibility. Unauthorized Access Warning – Access to Internet Banking and Mobile Banking is restricted to authorized HVCU members only. , Routing #281378108 About Us Find My Account Number. Heritage Federal Credit Union | PO Box 189 | Newburgh IN, 47629-0189., Hudson Valley Credit Union, Credit Union CD Rates Connecticut 2023. Below are the best one year CD Rates from credit unions in Connecticut. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and …