Credit union · NCUA insured
802 Credit Union CD Rates
802 Credit Union’s best CD rate is 1.70% APY on a 1-year share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 22, 2026.
How 802 Credit Union’s CD rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where 802 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Certificates of Deposit (CD)
2nd-highest rate
Passumpsic Bank
4.15%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $240
3rd-highest rate
Meredith Village Savings Bank
4.15%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $629
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
8.02% CD Special
8.02%APY · 1 term
For International Credit Union Day, celebrating members with this special. Offer begins October 15, 2026. Available to active members (defined as having direct deposit, a current loan, an active debit card, or an active credit card). Must be set up for electronic statements. CD must be opened in person. Share account required. Early termination fee of 90 days of interest applies. Auto-renews at maturity into standard 6-month CD at current rate. Monthly dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months5-month term. For International Credit Union Day. Begins October 15, 2026. Active member required (direct deposit, current loan, active debit card, or active credit card). Electronic statements required. Must be opened in person. Early termination fee of 90 days of interest. Auto-renews into standard 6-month CD. Monthly dividends | 8.02% | — |
Certificates of Deposit (CD)
Up to 8.02%APY · 11 terms
A Base Shares, Youth Savings, or Business account is required to open a CD. Formerly known as Share Certificates. Dividends paid monthly. Early withdrawal penalties may apply.
| Term | APY · $500 and up | APY · $500 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownTerm is 802 days. Dividends paid monthly | 3.25% | — | 3.25% | $0 |
| 5 months5 month special. Dividends paid monthly. Auto-renews at maturity into a standard 6 month CD | 8.02% | — | 8.02% | $327 |
| 6 monthsDividends paid monthly | 1.80% | — | 1.80% | $90 |
| 7 months7 month special. Dividends paid monthly | 3.25% | — | 3.25% | $188 |
| 9 months9 month special (new money). Funds must qualify as new money. Automatically renews at maturity into a standard 6-month CD unless instructed otherwise. Dividends paid monthly | — | 4.00% | 4.00% | $299 |
| 9 months9 month special. Automatically renews at maturity into a standard 6-month CD unless instructed otherwise. Dividends paid monthly | — | 3.75% | 3.75% | $280 |
| 12 monthsDividends paid monthly | 2.00% | — | 2.00% | $200 |
| 18 months18 months (no-penalty). Dividends paid monthly | 1.80% | — | 1.80% | $271 |
| 24 monthsDividends paid monthly | 2.05% | — | 2.05% | $414 |
| 36 monthsDividends paid monthly | 2.05% | — | 2.05% | $628 |
| 48 monthsDividends paid monthly | 2.10% | — | 2.10% | $867 |
| 60 monthsDividends paid monthly | 2.10% | — | 2.10% | $1,095 |
Smart Savers Certificate of Deposit
1.70%APY · 1 term
1 Year Term. Accepts ongoing/recurring deposits. No online or ATM access. One Smart Savers CD per member. 180-day dividend penalty for early withdrawal. Dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSmart Savers 1 Year Term. Accepts ongoing/recurring deposits. No online or ATM access. One per member. 180-day dividend penalty. Dividends paid monthly | 1.70% | $170 |
Special-purpose accounts
IRA Certificate of Deposit (CD)
Up to 4.00%APY · 8 terms
A Base Shares account is required to open an IRA Certificate. Designed for one-time funding or rollovers; no additional contributions permitted during the term. Monthly dividends paid with fixed terms. Early withdrawals incur a penalty of up to 180 days' dividends depending on term length.
| Term | APY · $500 and up | APY · $500 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends paid monthly | 1.85% | — | 1.85% | $92 |
| 12 monthsDividends paid monthly | 2.10% | — | 2.10% | $210 |
| 13 months13 month special. Limited-time offer available from August 31, 2026, to November 30, 2026. Automatically renews at maturity into a standard 6-month CD unless instructed otherwise. Share account required. Dividends paid monthly | — | 4.00% | 4.00% | $434 |
| 18 monthsDividends paid monthly | 2.10% | — | 2.10% | $317 |
| 24 monthsDividends paid monthly | 2.15% | — | 2.15% | $435 |
| 36 months36 month special. Dividends paid monthly | 3.00% | — | 3.00% | $927 |
| 48 monthsDividends paid monthly | 2.20% | — | 2.20% | $909 |
| 60 monthsDividends paid monthly | 2.20% | — | 2.20% | $1,149 |
Sources (3)
All captured Oct 22, 2026
Youth Certificate of Deposit (CD)
2.00%APY · 1 term
Members under 18. Requires Youth Savings account and joint ownership with parent/guardian. $10,000 max balance. 180-day dividend penalty for early withdrawal. Allows deposits throughout 5-year term. Dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsYouth Savers 5 Year Term. Requires Youth Savings account and joint ownership with parent/guardian. $10,000 max balance. Allows ongoing deposits. Dividends paid monthly | 2.00% | $1,041 |
Who can join 802 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Vermont or in Grafton, Sullivan, or Cheshire County, New Hampshire are eligible to join.
Family and household
- Individuals related to a current 802CU member are eligible to join.
Cost to join
- Members must maintain a minimum $5 balance in a savings account to keep membership active.
Membership information collected October 4, 2026.