Credit union · NCUA insured
Athol Credit Union CD Rates
Athol Credit Union’s best CD rate is 3.61% APY on a 6-month share certificate (CD). Terms run from 4 months to 5 years. Rates checked October 15, 2026.
How Athol Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Athol Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Athol Credit Union
3.61%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $179
Certificate (CDs)
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
Athol Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.61%
- 9–15 months9–15 mo3.61%
- 16–30 months16–30 mo0.35%
- 31–60 months31–60 mo0.50%
- QualifiedQualified3.61%
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 Athol 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.
Certificate (CDs)
Up to 3.61%APY · 13 terms
Must be an ACU member and maintain a $5 savings account. Minimum balance to open is $500. Maximum of $250,000 per member (call for larger deposits). Not available for IRAs. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply and could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsInterest compounded monthly. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 3.30% | $109 |
| 6 monthsInterest compounded monthly. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 3.61% | $179 |
| 9 monthsInterest compounded monthly. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 3.61% | $269 |
| 10 monthsInterest compounded monthly. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 3.51% | $291 |
| 12 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 3.46% | $346 |
| 14 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.25% | $29 |
| 15 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.30% | $38 |
| 18 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.30% | $45 |
| 24 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.35% | $70 |
| 30 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.35% | $88 |
| 36 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.40% | $121 |
| 48 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.40% | $161 |
| 60 monthsInterest compounded daily. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs | 0.50% | $253 |
Sources (1)
- atholcreditunion.com/rates · captured Sep 25, 2026
Who can join Athol 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 individuals in Franklin, Hampshire, and Worcester Counties.
Membership information collected October 5, 2026.