--- title: "Academic Credit Union Rates (Nov 2026): CDs to 4.00%" description: "Academic Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Academic Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/academic" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Academic Credit Union Rates (Nov 2026): CDs to 4.00% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.750% | 84 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 6.000% | 60 mo · used | Standard | Academic Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Overdraft/Line of Credit (Up to 60 months)** ploc_variable | — APR | 7.000% | 60 mo | Standard | | **Signature Loan $500.00 minimum up to $14,999.00** personal_unsecured_60mo | — APR | 7.000% | 60 mo | Standard | | **Overdraft/Line of Credit (Up to 60 Months)** ploc_variable | — APR | 9.000% | 60 mo | Standard | | **60-Month Personal Line of Credit** ploc_variable | — APR | 9.000% | 60 mo | Standard | | **108-Month Debt Consolidation Loan** personal_unsecured_108mo | — APR | 9.000% | 108 mo | Standard | | **Secured Personal Loan** personal_secured | — APR | 10.900% | — | Standard | Academic Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 10.900% | — | Standard | | **Gold** credit_card | — APR | 12.400% | — | Standard | | **Classic** credit_card | — APR | 15.400% | — | Standard | Academic Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **IRA Shares, Club Accounts, Custodial, and Trust Account** ira | — APY | 0.05% | — | Eligibility restricted | | **Primary Shares** savings | — APY | 0.05% | — | Standard | | **IRA Shares, Club Accounts, Custodial, and Trust Account** ira | 0.05% APY | 0.05% | — | Eligibility restricted | | **Money Markets** money_market | 0.40% APY | 0.40% | — | Standard | | **6 Months FLEX Certificate** share_certificate_6mo | — APY | 3.00% | 6 mo | Standard | | **12 Month Liquid Certificate** share_certificate_12mo | — APY | 3.60% | 12 mo | Standard | | **12 Month FLEX Certificate** share_certificate_12mo | — APY | 3.70% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.70% | 12 mo | Standard | | **15 Month Traditional Certificate** share_certificate_15mo | — APY | 3.90% | 15 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.00% | 60 mo | Standard | | **24 Month Traditional Certificate** share_certificate_24mo | 4.00% APY | 4.00% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.00% | 36 mo | Standard | | **18 Month Traditional Certificate** share_certificate_18mo | 4.00% APY | 4.00% | 18 mo | Standard | | **36 Month Traditional Certificate** share_certificate_36mo | — APY | 4.00% | 36 mo | Standard | Academic Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/academic) , verified from [Academic Credit Union's official website](https://www.academicfcu.org/) Loading branch locator… ## About Academic Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.4K Assets $36.1M Founded 1979 Locations reported 1 NCUA charter 23425 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Sing Sing Employees** Sing Sing EFCU · Briarcliff Manor · NY · 10510 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/sing-sing-employees) [**Affinity** White Plains Branch · White Plains · NY · 10607-1313 About 6.9 miles away](https://rateapi.dev/credit-unions/new-jersey/affinity) [**Palisades** New City · New City · NY · 10956-3318 About 8.1 miles away](https://rateapi.dev/credit-unions/new-york/palisades) [**Educational and Governmental** Main · Hartsdale · NY · 10530-1811 About 8.3 miles away](https://rateapi.dev/credit-unions/new-york/educational-and-governmental) [**White Plains P O Employees** White Plains Post Office Employees Federal Credit Union Office · White Plains · NY · 10602 About 8.4 miles away](https://rateapi.dev/credit-unions/new-york/white-plains-p-o-employees) [**Rockland Employees** Helen Hayes · West Haverstraw · NY · 10993-1195 About 8.7 miles away](https://rateapi.dev/credit-unions/new-york/rockland-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Academic Credit Union Membership eligibility from Academic Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Academic Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Academic Credit Union's membership page](https://www.academicfcu.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for Academic Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from Academic Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships, household member “members of their immediate family (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling and adoptive relationships) or household” > [source ↗](https://www.academicfcu.org/membership) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Academic Credit Union? Yes No ## Work at Academic Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Academic Credit Union ranks against New York peers. - See which AI assistants fetched Academic Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=academic&state=new-york&code=NY&name=Academic%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Academic Credit Union offer? Academic Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Academic Credit Union rates updated? RateAPI verifies Academic Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Academic Credit Union's rate data? Rate data is collected directly from Academic Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Academic Credit Union's best CD rate? As of November 12, 2026, Academic Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Academic Credit Union? Academic Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for Academic Credit Union, each quoted from Academic Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Academic Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.academicfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Academic Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Academic Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /academic " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Academic Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/academic Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp