Credit union · NCUA insured
AllCom Credit Union CD Rates
AllCom Credit Union’s best CD rate is 4.30% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How AllCom Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where AllCom Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AllCom Credit Union
4.20%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,284
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
AllCom Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
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 AllCom 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.
Certificates
Up to 4.20%APY · 10 terms
AllCom membership is required. Early withdrawal penalty may apply. Dividends paid monthly or at maturity to CD, another account, or by check.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRegular CD | 3.95% | — | 3.95% | $196 |
| 7 monthsRegular CD | 3.95% | — | 3.95% | $229 |
| 9 monthsRegular CD | 3.95% | — | 3.95% | $295 |
| 12 monthsRegular CD | 4.00% | — | 4.00% | $400 |
| 13 monthsRegular CD | 4.00% | — | 4.00% | $434 |
| 18 monthsRegular CD | 4.00% | — | 4.00% | $606 |
| 24 monthsJumbo CD | — | 4.15% | —4.15% from $50k | — |
| 24 monthsRegular CD | 4.05% | — | 4.05% | $826 |
| 36 monthsJumbo CD | — | 4.20% | —4.20% from $50k | — |
| 36 monthsRegular CD | 4.10% | — | 4.10% | $1,281 |
| 48 monthsJumbo CD | — | 4.25% | —4.25% from $50k | — |
| 48 monthsRegular CD | 4.15% | — | 4.15% | $1,766 |
| 60 monthsJumbo CD | — | 4.30% | —4.30% from $50k | — |
| 60 monthsRegular CD | 4.20% | — | 4.20% | $2,284 |
Sources (1)
- allcomcu.org/bank/certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.20%APY · 10 terms
Available as Traditional, Roth, and Educational IRA Certificates. AllCom membership is required. Early withdrawal penalty may apply. Dividends paid monthly or at maturity.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRegular CD / IRA | 3.95% | — | 3.95% | $196 |
| 7 monthsRegular CD / IRA | 3.95% | — | 3.95% | $229 |
| 9 monthsRegular CD / IRA | 3.95% | — | 3.95% | $295 |
| 12 monthsRegular CD / IRA | 4.00% | — | 4.00% | $400 |
| 13 monthsRegular CD / IRA | 4.00% | — | 4.00% | $434 |
| 18 monthsRegular CD / IRA | 4.00% | — | 4.00% | $606 |
| 24 monthsJumbo CD / IRA | — | 4.15% | —4.15% from $50k | — |
| 24 monthsRegular CD / IRA | 4.05% | — | 4.05% | $826 |
| 36 monthsJumbo CD / IRA | — | 4.20% | —4.20% from $50k | — |
| 36 monthsRegular CD / IRA | 4.10% | — | 4.10% | $1,281 |
| 48 monthsJumbo CD / IRA | — | 4.25% | —4.25% from $50k | — |
| 48 monthsRegular CD / IRA | 4.15% | — | 4.15% | $1,766 |
| 60 monthsJumbo CD / IRA | — | 4.30% | —4.30% from $50k | — |
| 60 monthsRegular CD / IRA | 4.20% | — | 4.20% | $2,284 |
Who can join AllCom 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 attend school in 23 specific communities in Middlesex County are eligible for membership.
- Individuals who live, work, or attend school in Worcester County are eligible for membership.
Employers and groups
- Employees and retirees of AT&T and its divested companies, the divested Bell companies, Verizon Communications, Eversource, AllCom Credit Union, and their subsidiaries or successor companies are eligible to join.
- Employees and retirees of companies primarily engaged in the communications, gas, or electrical utility industries are eligible if the company has a place of business or employees living or working in Worcester County.
Family and household
- Family members of eligible members and anyone maintaining principal residence in the same household as a member are eligible to join.
Membership information collected October 5, 2026.