Credit union · NCUA insured
Chelsea Employees Federal Credit Union CD Rates
Top CarrotChelsea Employees Federal Credit Union’s best CD rate is 4.07% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Chelsea Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Chelsea Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chelsea Employees Federal Credit Union
4.07%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $201
Certificates of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Chelsea Employees Federal Credit Union CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.07%
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 Chelsea Employees Federal 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 of Deposit
Up to 4.07%APY · 4 terms
Membership eligibility required. Early withdrawal penalty applies (30 days' dividends for terms <= 12 months, 60 days' dividends for terms > 12 months). Automatically renews at maturity with a 10-day grace period. Additional deposits not permitted after account opening. Dividends compounded daily and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.07% | $201 |
| 12 months | 4.07% | $407 |
| 24 months | 3.30% | $671 |
| 36 months | 3.30% | $1,023 |
Sources (3)
- chelseaefcu.org/wp-content/upl…grements-disclosures.pdf
- chelseaefcu.org/cds
- chelseaefcu.org/dividend-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
4.07%APY · 1 term
Applies to Traditional & Roth IRAs. Membership eligibility required. Early withdrawal penalty applies (30 days' dividends for terms <= 12 months, 60 days' dividends for terms > 12 months). Automatically renews at maturity with a 10-day grace period. Additional deposits not permitted after account opening. Must maintain required opening balance daily to obtain disclosed APY and keep account open. Subject to IRS limitations/penalties. Dividends compounded daily and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional & Roth IRAs | 4.07% | $407 |
Sources (3)
- chelseaefcu.org/wp-content/upl…grements-disclosures.pdf
- chelseaefcu.org/ira-accounts
- chelseaefcu.org/dividend-rates
All captured Oct 5, 2026
Who can join Chelsea Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Chelsea Chamber of Commerce are eligible for membership.
- Employees of Chelsea Restoration are eligible for membership.
Military, government and schools
- Employees of the Chelsea Housing Authority are eligible for membership.
- Employees of the City of Chelsea are eligible for membership.
Family and household
- Direct family members of qualifying employer group employees are eligible to join.
Cost to join
- Membership requires signing an Application for Membership and depositing $25.00, the par value of one share.
Membership information collected October 5, 2026.