Credit union · NCUA insured
Common Trust FCU CD Rates
Common Trust FCU’s best CD rate is 3.30% APY on a 2-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Common Trust FCU’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Common Trust FCU has the most branches. $10,000, best rate first.
This credit union’s best
Common Trust FCU
3.30%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $671
Terms, Certificates
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
Common Trust FCU CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.79%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 Common Trust FCU 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.
Terms, Certificates
Up to 3.30%APY · 6 terms
Membership eligibility requires living, worshiping, regularly conducting business in, attending school in, or businesses located in specified Middlesex County communities in MA, plus opening a Share Account with a $15 deposit. Early withdrawal may result in a penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends accrued monthly | 2.02% | $100 |
| 9 monthsDividends accrued monthly | 2.28% | $171 |
| 12 monthsDividends accrued monthly | 2.79% | $279 |
| 18 monthsDividends accrued monthly | 3.05% | $461 |
| 24 monthsDividends accrued monthly | 3.30% | $671 |
| 36 monthsDividends accrued monthly | 3.30% | $1,023 |
Sources (4)
- commontrustfcu.org/cd-accounts-woburn-ma
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/share-savings-account
- commontrustfcu.org/membership
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 3.30%APY · 6 terms
Membership eligibility requires living, worshiping, regularly conducting business in, attending school in, or businesses located in specified Middlesex County communities in MA, plus opening a Share Account with a $15 deposit. Early withdrawal may result in a penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends accrued monthly | 2.02% | $100 |
| 9 monthsDividends accrued monthly | 2.28% | $171 |
| 12 monthsDividends accrued monthly | 2.79% | $279 |
| 18 monthsDividends accrued monthly | 3.05% | $461 |
| 24 monthsDividends accrued monthly | 3.30% | $671 |
| 36 monthsDividends accrued monthly | 3.30% | $1,023 |
Sources (3)
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/share-savings-account
- commontrustfcu.org/membership
All captured Sep 18, 2026
Who can join Common Trust FCU
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 anyone who lives, worships, regularly conducts business in, or attends school in, as well as businesses and other legal entities located in, a contiguous portion of Middlesex County consisting of Arlington, Bedford, Belmont, Burlington, Concord, Lexington, Lincoln, Medford, Melrose, Natick, Needham, Newton, North Reading, Reading, Somerville, Stoneham, Tewksbury, Wakefield, Waltham, Watertown, Wellesley, Weston, Wilmington, Winchester, and Woburn, Massachusetts.
Cost to join
- A $15 share deposit in a Share Account is required to establish membership.
Membership information collected October 5, 2026.