What are the current interest rates at Terminals Federal Credit Union?

Current rates for Terminals Federal Credit Union include:

Terminals Federal Credit Union Rates and Review January 2026

Terminals Federal Credit Union 12-month CD rates can be found at 3.65%, 6-month CD rates at 3.42% and 3-month CD rates at 0.25%. Savings rates are at 0.10% and money market rates are at 0.45%. Mortgage rates on 30-year fixed loans are around 6.08%. Credit Card rates are at 14.90%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates which you can compare to Terminals Federal Credit Union rates.

Compare Terminals Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Terminals Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Terminals Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Terminals Federal Credit Union? Share your experience about Terminals Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Terminals Federal Credit Union.

Overall, Terminals Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.42%

18-Month CD

N/A

2.19%

24-Month CD

N/A

2.20%

36-Month CD

N/A

2.14%

48-Month CD

N/A

2.12%

60-Month CD

N/A

2.24%

Savings

N/A

0.69%

MMA

N/A

0.77%

30-Year Fixed

N/A

6.04%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Terminals Federal Credit Union
TFCU

90 TENNYSON ST
CARTERET, NJ 07008

MonitorBankRates' Rating

5/5

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Review Terminals Federal Credit Union

CD & Savings Rate Comparison

Mid-America Bank

48-Month CD

4.04%

$500

Mid-America Bank

36-Month CD

4.04%

$500

Hyperion Bank

24-Month CD

4.00%

$500

Sallie Mae

6-Month CD

3.90%

$2,500

FinWise Bank

24-Month CD

3.84%

$500

State Bank of Newburg

60-Month CD

3.80%

$500

Lone Star Bank

3-Month CD

3.63%

$1,000

Bristol County Savings Bank

48-Month CD

3.56%

$1,000

Gogebic Range Bank

36-Month CD

3.55%

$500

First Resource Bank Exton, PA

6-Month CD

3.50%

Minnesota First

18-Month CD

3.50%

$500

Bank of the Valley

36-Month CD

3.44%

$500

Citizens Savings Bank Bogalusa, LA

24-Month CD

3.40%

$2,500

Northeast Bank Portland, ME

24-Month CD

3.25%

$5,000

Cornhusker Bank

24-Month CD

3.19%

$1,000

PSB of Plainview

48-Month CD

3.14%

$250

600 Atlantic Federal Credit Union

48-Month CD

3.05%

$2,500

Tri-County Trust Company

60-Month CD

3.03%

$1,000

BankVista

60-Month CD

3.00%

$1,000

Sacramento Deposit Bank

24-Month CD

2.68%

$1,000

First Westroads Bank

48-Month CD

2.50%

$500

Westbury Bank

36-Month CD

2.25%

$500

Timberland Bank

12-Month CD

2.02%

$500

Artisans Bank

36-Month CD

2.00%

$1,500

Fairview State Banking Company

3-Month CD

1.51%

$2,500

Ambler Savings Bank

Money Market

1.50%

$200,000

First National Bank of Clarksdale

48-Month CD

1.50%

$500

TruBank

24-Month CD

1.50%

$500

USAA Federal Savings Bank

60-Month CD

1.25%

$1,000

Century Bank of Florida

Savings

1.00%

FCN Bank, N.A.

60-Month CD

0.70%

$1,000

First United Bank Dimmitt, TX

Achieve Interest Checking

0.60%

$1,000

Ballston Spa National Bank

48-Month CD

0.60%

$500

Farmers State Bank of Western Illinois

Money Market

0.50%

$1,000

Greenfield Co-operative Bank

48-Month CD

0.50%

$500

First Bank Creve Coeur, MO

48-Month CD

0.45%

$1,000

Sugar River Bank

36-Month CD

0.45%

$500

Consumers Credit Union

24-Month CD

0.45%

$1,000

SSB Community Bank

60-Month CD

0.35%

$1,000

First Piedmont Federal S&L of Gaffney

12-Month CD

0.30%

$1,000

Greene County Commercial Bank

18-Month CD

0.30%

$1,000

Consumers Credit Union

12-Month CD

0.30%

$1,000

Monroe Savings Bank

Statement Savings

0.25%

$100

The Bank of South Carolina

Savings

0.25%

United Republic Bank

Republic Savings

0.25%

$100

Ixonia Bank

Platinum Personal Savings

0.20%

$25,000

Bank of Edmonson County

Checking Money Market

0.20%

$2,500

Midland Federal S&L

Passbook Savings

0.10%

$100

Republic Bank of Chicago

Statement Savings

0.10%

$25

Iron Workers SB

NOW Checking

0.02%

$600

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Savings Bank of Danbury

7/1 ARM

5.875%

6.359%

0.000

First Citizens Federal Credit Union

30 Year Fixed

6.000%

6.067%

0.000

First National Bank of Hutchinson

15-Year Fixed

5.625%

5.843%

0.000

San Mateo Credit Union

15-Year Fixed

5.500%

5.684%

0.000

Crest Savings Bank

30-Year Fixed

6.250%

6.306%

0.000

Greenville National Bank

5-Year ARM

6.250%

6.199%

0.000

Farmers State Bank Waterloo, IA

15-Year Fixed

5.000%

5.055%

0.000

Freedom Credit Union

15 Year Fixed

5.120%

5.192%

0.000

Truliant Federal Credit Union

15-Year Fixed Jumbo

5.875%

5.961%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Achieva Credit Union

30-Year Fixed

5.875%

5.965%

0.000

Altoona First Savings Bank

30-Year Fixed

6.000%

6.031%

0.000

Pioneer Federal Credit Union

30-Year Fixed

5.875%

6.023%

0.000

Liberty Bank Middletown, CT

15-Year Fixed

5.625%

5.741%

0.000

Service Federal Credit Union

5/1 ARM Jumbo

5.375%

5.911%

0.000

First Federal Savings Bank Evansville, IN

30-Year Fixed

6.125%

6.190%

0.000

FNB of River Falls

15-Year Fixed

5.500%

5.617%

0.000

Service Federal Credit Union

7/1 ARM

5.500%

5.871%

0.000

PNB of Kewanee

30-Year Fixed

5.560%

5.730%

0.000

Partners Federal Credit Union

5/1 ARM

5.375%

5.935%

0.000

NASA Federal Credit Union

15-Year Fixed

5.125%

5.389%

0.000

Wells Fargo

15-Year Fixed

5.125%

5.389%

1.000

Golden Belt Bank, FSA

7/1 ARM

5.750%

6.161%

0.000

Meridian Trust Federal Credit Union

30 Year Fixed

6.000%

6.183%

0.000

American Eagle Financial Credit Union

15-Year Fixed

5.125%

5.291%

0.000

DCU Digital Federal Credit Union

20-Year Fixed

5.500%

5.680%

1.125

Y-12 Federal Credit Union

15-Year Fixed

5.375%

5.565%

1.000

Mid American Credit Union

15 Year Fixed

5.625%

5.899%

0.000

FNB of Scotia

15-Year Fixed

5.680%

5.964%

0.000

A+ Federal Credit Union

20-Year Fixed

5.500%

5.555%

0.000

FNB of River Falls

10-Year Fixed

5.375%

5.540%

0.000

Penn Community Bank

30-Year Fixed

5.750%

5.886%

0.000

Wrentham Co-operative Bank

30-Year Fixed (Jumbo)

5.875%

5.931%

0.000

First Northern Credit Union

30 Year Fixed

5.750%

5.789%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

FNB of Scotia

30-Year Fixed

5.900%

6.072%

0.000

Holyoke Credit Union

15 Year Fixed Jumbo

5.250%

5.290%

0.000

Farmers State Bank (Marion, IA)

30-Year Fixed

5.625%

5.790%

0.000

NCB North Cambridge Coopertive Bank

7/1 ARM

6.000%

6.250%

0.000

FCN Bank, N.A.

30-Year Fixed

6.125%

0.000%

6.198

Freedom Credit Union

30 Year Fixed Jumbo

6.250%

6.263%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

The Golden 1 Credit Union

10-Year ARM

5.875%

6.091%

0.000

American Bank, N.A. Le Mars, IA

10-Year Fixed

5.250%

5.426%

0.500

First FSB of Champaign Urbana

20-Year Fixed

5.625%

5.667%

0.000

Great Lakes Credit Union

15 Year Fixed

5.875%

6.356%

0.000

Methuen Co-operative Bank

30-Year Fixed

6.125%

6.185%

0.000

McCoy Federal Credit Union

15 Year Fixed

5.750%

5.977%

0.000

NESC Federal Credit Union

5/5 ARM

5.500%

5.736%

0.000

North Carolina Press Association Federal Credit Union

30 Year Fixed

5.875%

5.958%

0.000

View 50 More

Credit Card Rate Comparison

1st Northern California Credit Union

Visa Premier Plus

8.900%

Mountain America Federal Credit Union

Low Rate Credit Card

13.240%

Vystar Credit Union

Visa Signature® Rewards

17.750%

The Golden 1 Credit Union

Member Rate Advantage VISA

13.040% - 19.040%

No balance transfer fees or annual fees.

705 Federal Credit Union

VISA Credit Card

7.900% - 15.900%

Maximum credit card amount offered is $10,000 with a 36-month term.

Suncoast Credit Union

Rewards Share Secured

18.000%

Credit Limit - $300 - $5,000

ACFCU

Everyday Rewards+ Card Visa

19.490% - 29.740%

Earn up to 4x unlimited points AND receive a $150 bonus.

Abbey Credit Union

VISA® Classic

12.960%

Avenir Financial Federal Credit Union

VISA Credit Card

8.990% - 17.990%

Maximum limit of $30,000

Y-12 Federal Credit Union

VISA Traditional

14.240% - 18.000%

1st MidAmerica Credit Union

Platinum

8.900%

Randolph Brooks FCU

Business Select Credit Card Mastercard

18.000%

SchoolsFirst Federal Credit Union

School Employee Mastercard

11.750% - 17.900%

Maximum Loan Amount Up to $35,000.00

Randolph Brooks FCU

Premier Rate Credit Card Mastercard

12.950% - 18.000%

1st Cooperative Federal Credit Union

Visa Platinum Credit Card

8.500%

As low as 8.50%

LMCU Lake Michigan Credit Union

Prime Platinum Visa Credit Card

11.500%

Academic Federal Credit Union

Academic FCU VISA® Secured Card

10.900% - 15.400%

No annual fee, no cash advance fee, rewards program.

Abri Credit Union

Platinum Rewards Visa

15.400% - 24.400%

Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%

4U Federal Credit Union

Credit Card

10.150%

1st Northern California Credit Union

Visa Classic

11.900%

Aberdeen Proving Ground FCU

Visa Cash Back

16.490% - 17.990%

Acme Continental Credit Union

Acme Visa Credit Card

9.990% - 18.000%

680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.

ACFCU

Reserve Rewards+ Card Visa

19.740% - 29.740%

Enjoy premium rewards and benefits, plus receive a $500 bonus.

ACFCU

Travel Rewards+ Card Visa

19.740% - 29.740%

Earn 4x unlimited points on travel and more, plus receive a $250 bonus.

Abbott Laboratories Credit Union

Visa Signature Rewards

17.200%

Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.

Disclaimer

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Acipco Federal Credit Union

Signature Loan

10.000%

1 - 36

Abbey Credit Union

Signature (Unsecured) Loan

11.040%

1 - 24

Achieve Financial Credit Union

Credit Builder Loan

9.000%

ABCO Federal Credit Union

Vacation Loans

10.490%

360 Federal Credit Union

Term Line of Credit 84 months

8.000%

Security Service Federal Credit Union

Personal Loan

9.990% - 16.240%

61 - 66

Security Service Federal Credit Union

Debt Consolidation Loan

11.240% - 17.950%

25 - 36

InFirst Bank

Personal Loan

13.000% - 13.140%

$1,500 - $15,000

36 - 36

1st Northern California Credit Union

Title Loans

5.500%

Vystar Credit Union

Personal Loans

11.000%

37 - 60

Avenir Financial Federal Credit Union

Personal Loan

11.990%

2 Rivers Area Credit Union

Signature Loan

10.000%

Security Service Federal Credit Union

Debt Consolidation Loan

9.990% - 16.240%

61 - 66

Mountain America Federal Credit Union

Personal Loan

13.740%

AAC Credit Union

Personal Loans Share Secured

5.990%

1st Valley Credit Union

Next Step Loan

10.500%

Acadia Federal Credit Union

Personal Loans

11.900%

$0 - $15,000

24 - 60

Acadian Federal Credit Union

Open-End Unsecured Signature Loan-Line of Credit

10.200%

Alec Federal Credit Union

Refinanced Signature Loans

18.000%

The Golden 1 Credit Union

Personal Loan

8.890%

ACFCU

Line of Credit

13.700%

AHE Plant 3 Federal Credit Union

Unsecured (Signature) Loan

11.000%

$0 - $500

The Golden 1 Credit Union

Credit Starter Loan

16.250%

Advantage Credit Union Newtown, IA

Personal Loans

14.200%

$5,000 - $8,000

48 - 48

InFirst Bank

Personal Loan

13.000% - 13.200%

$1,500 - $15,000

24 - 24

Disclaimer

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Terminals Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Terminals Federal Credit Union

Website:

Full Time Employees: 1
Part Time Employees: 0
President: AUDREY SKROCKI
CEO: DONALD SKROCKI
Branch Locations: 1
ATM Locations: 0

Corporate Office Address:

90 TENNYSON ST
CARTERET, NJ 07008
Phone Number: 732-541-1373
Fax Number: 732-541-0829

Financials

Total Assets:

921,146

Total Amount of Shares and Deposits:

568,950

Total Shares and Deposits < 1 Year:

568,950

Total Insured Shares and Deposits > $250K (item 17 less item K):

568,950

Total Interest Expense (Sum of items 6 8):

3,872

Number of Accounts for Regular Shares:

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

202,997

Total Liabilities:

570,566

Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Terminals Federal Credit Union

Is a member application needed to join Terminals Federal Credit Union?

Yes, to access services at Terminals Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Terminals Federal Credit Union provides a range of mortgage and home equity products.

Is Terminals Federal Credit Union a safe place to deposit money?

Yes, Terminals Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.