Credit union · NCUA insured
Common Trust FCU Savings Rates
Common Trust FCU’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Common Trust FCU’s savings 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
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Common Trust FCU savings score
72
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.25%APY
Membership is open to individuals who live, worship, work, or attend school in specified communities within Middlesex County, MA, with a $15 deposit into a Share Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Dividends accrued monthly. | 0.10% | — | Dividends accrued monthly. |
| $2,500 – $9,999Dividends accrued monthly. | 0.20% | — | Dividends accrued monthly. |
| $10,000 – $24,999Dividends accrued monthly. | 0.25% | $25 | Dividends accrued monthly. |
| $25,000 – $49,999Dividends accrued monthly. | 1.00% | — | Dividends accrued monthly. |
| $50,000 – $99,999Dividends accrued monthly. | 1.25% | — | Dividends accrued monthly. |
| $100,000 and upDividends accrued monthly. | 1.50% | — | Dividends accrued monthly. |
Sources (3)
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/share-savings-account
- commontrustfcu.org/membership
All captured Sep 18, 2026
All-Purpose Clubs
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAccrued monthly; dividend rate 0.10%; minimum balance $50 - paid Monthly.$50 and up | 0.10% | $10 | Accrued monthly; dividend rate 0.10%; minimum balance $50 - paid Monthly. |
Sources (3)
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/savings-accounts-bedford-ma
- commontrustfcu.org/share-savings-account
All captured Sep 18, 2026
Regular Share
0.10%APY
Required to establish membership at CTFCU. Dividends accrued monthly / compounded daily and paid quarterly. Earns dividends from day-of-deposit to day-of-withdrawal when maintaining a $50 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAccrued monthly; dividend rate 0.10%; minimum balance to earn dividends is $50 (paid monthly/quarterly). Opening deposit is $15.00.$50 and up | 0.10% | $10 | Accrued monthly; dividend rate 0.10%; minimum balance to earn dividends is $50 (paid monthly/quarterly). Opening deposit is $15.00. |
Sources (3)
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/savings-accounts-bedford-ma
- commontrustfcu.org/share-savings-account
All captured Sep 18, 2026
Special-purpose accounts
IRAs
0.20%APY
Offered as Traditional IRAs and Roth IRAs. Dividends accrued monthly / distributed quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upAccrued monthly; dividend rate 0.20%; minimum balance $250.00.$250 and up | 0.20% | $20 | Accrued monthly; dividend rate 0.20%; minimum balance $250.00. |
Sources (3)
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/savings-accounts-bedford-ma
- commontrustfcu.org/share-savings-account
All captured Sep 18, 2026
Holiday Share
0.10%APY
Holiday Club / Christmas Club accounts will be automatically transferred into Share 99 accounts on October 1, 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAccrued monthly; dividend rate 0.10%; minimum balance $50 - paid Monthly.$50 and up | 0.10% | $10 | Accrued monthly; dividend rate 0.10%; minimum balance $50 - paid Monthly. |
Sources (3)
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/savings-accounts-bedford-ma
- commontrustfcu.org/share-savings-account
All captured Sep 18, 2026
Vacation Share
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAccrued monthly; dividend rate 0.10%; minimum balance $50 - paid Monthly.$50 and up | 0.10% | $10 | Accrued monthly; dividend rate 0.10%; minimum balance $50 - paid Monthly. |
Sources (3)
- commontrustfcu.org/deposit-rates
- commontrustfcu.org/savings-accounts-bedford-ma
- commontrustfcu.org/share-savings-account
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.