Credit union · NCUA insured
All One Credit Union CD Rates
Top CarrotAll One Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How All One Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where All One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
All One Credit Union
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
Term Share Certificates
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
All One Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where All One Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 4.25%APY · 9 terms
Early withdrawal penalties may be imposed. Fees may reduce earnings. Membership requirements apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 3.95% | $196 |
| 9 monthsThe minimum balance to open and earn stated APY is $500 and all funds deposited must be new money. New money is considered any funds deposited at AOCU for the first time or not previously on deposit at AOCU within the last 30 calendar days. Re-occurring direct deposits or other re-occurring ACH deposits do not qualify as new money. Advertised terms and APY are available for a limited time only and may be withdrawn without notice | 4.25% | $317 |
| 12 months | 3.75% | $375 |
| 18 months | 3.50% | $530 |
| 24 months | 3.25% | $661 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (3)
All captured Sep 24, 2026
Special-purpose accounts
Term Share IRAs
Up to 4.25%APY · 9 terms
Early withdrawal penalties will be imposed on term certificates and IRA accounts. Fees may reduce earnings. Membership requirements apply. Traditional, Roth, and Inherited IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 3.95% | $196 |
| 9 monthsThe minimum balance to open and earn stated APY is $500 and all funds deposited must be new money. New money is considered any funds deposited at AOCU for the first time or not previously on deposit at AOCU within the last 30 calendar days. Re-occurring direct deposits or other re-occurring ACH deposits do not qualify as new money. Advertised terms and APY are available for a limited time only and may be withdrawn without notice | 4.25% | $317 |
| 12 months | 3.75% | $375 |
| 18 months | 3.50% | $530 |
| 24 months | 3.25% | $661 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
All captured Sep 24, 2026
Who can join All One 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 have business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.
Employers and groups
- Individuals who are members of religious, civic, or charitable organizations with their principal place of business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.
Family and household
- Family members of current All One Credit Union members—specifically spouse, mother, father, son, daughter, grandparent, grandchild, brother, sister, stepchild, or stepparent guardian—are eligible for membership regardless of where they live.
Cost to join
- Members must maintain a minimum of a $5.00 savings account.
Membership information collected October 5, 2026.