Credit union · NCUA insured
Alltrust Credit Union CD Rates
Alltrust Credit Union’s best CD rate is 4.05% APY on an 8-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How Alltrust Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where Alltrust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alltrust Credit Union
4.05%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $268
Share Certificates
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Alltrust Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.35%
- 31–60 months31–60 mo0.65%
- QualifiedQualified4.05%
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 Alltrust 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.
Share Certificates
Up to 4.05%APY · 10 terms
Minimum balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings. Dividends compounded monthly. Additional deposits not allowed.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsSpecial certificate; not to be combined with any other offer. Dividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | — | 3.65% | 3.65% | $150 |
| 6 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.20% | — | 0.20% | $10 |
| 8 monthsSpecial certificate; not to be combined with any other offer. Dividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | — | 4.05% | 4.05% | $268 |
| 10 monthsSpecial certificate; not to be combined with any other offer. Dividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | — | 3.75% | 3.75% | $312 |
| 12 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.25% | — | 0.25% | $25 |
| 18 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.25% | — | 0.25% | $38 |
| 24 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.35% | — | 0.35% | $70 |
| 36 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.50% | — | 0.50% | $151 |
| 48 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.60% | — | 0.60% | $242 |
| 60 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.65% | — | 0.65% | $329 |
Sources (1)
- alltrustcu.org/accounts/share-certificates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.05%APY · 10 terms
Must have or open an eligible IRA. Minimum balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). Special certificates are not to be combined with any other offer. Penalty may be imposed for early withdrawals. Fees could reduce earnings. Compounded monthly.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsSpecial certificate; not to be combined with any other offer. Dividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | — | 3.65% | 3.65% | $150 |
| 6 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.20% | — | 0.20% | $10 |
| 8 monthsSpecial certificate; not to be combined with any other offer. Dividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | — | 4.05% | 4.05% | $268 |
| 10 monthsSpecial certificate; not to be combined with any other offer. Dividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | — | 3.75% | 3.75% | $312 |
| 12 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.25% | — | 0.25% | $25 |
| 18 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.25% | — | 0.25% | $38 |
| 24 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.35% | — | 0.35% | $70 |
| 36 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.50% | — | 0.50% | $151 |
| 48 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.60% | — | 0.60% | $242 |
| 60 monthsDividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings | 0.65% | — | 0.65% | $329 |
Sources (1)
- alltrustcu.org/accounts/retirement-savings-accounts · captured Oct 15, 2026
College Saver Certificate
0.25%APY · 1 term
Must be a Youth Account member to open account. Available to Youth Savings and Youth Checking members only. Minimum balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). Periodic deposits of $25 or more allowed. Early withdrawal penalty may apply. Fees could reduce earnings. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be a Youth Account member to open account. Available to Youth Savings and Youth Checking members only. Periodic deposits of $25 or more allowed. Early withdrawal penalty may apply. Fees could reduce earnings. Dividends compounded monthly | 0.25% | $25 |
Sources (1)
- alltrustcu.org/accounts/share-certificates · captured Oct 15, 2026
Who can join Alltrust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone who lives, works, or attends school in Bristol, Barnstable, Dukes, Nantucket, Norfolk, and Plymouth counties in Massachusetts.
- Membership is open to everyone who lives, works, or attends school in all cities and towns in Rhode Island.
Family and household
- All family members of existing members qualify for membership.
Cost to join
- To join, a deposit of $5 in a Regular Savings Account is required.
Membership information collected October 5, 2026.