Credit union · NCUA insured
Direct Federal Credit Union CD Rates
Direct Federal Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Direct Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Direct Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Direct Federal Credit Union
3.70%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $183
CD Share Certificates
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,494
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CD Share Certificates
Up to 3.70%APY · 8 terms
APY shown assumes account is paired with an active Direct Advantage Checking; without it, APY is 0.10% lower. New money only. Monthly fee is $0. Early withdrawal penalty applies.
| Term | APY · $250 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 3.70% | — | 3.70% | $183 |
| 6 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.75% | —3.75% from $100k | — |
| 9 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 3.60% | — | 3.60% | $269 |
| 9 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.65% | —3.65% from $100k | — |
| 12 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 2.95% | — | 2.95% | $295 |
| 12 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.00% | —3.00% from $100k | — |
| 15 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 2.95% | — | 2.95% | $370 |
| 15 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.00% | —3.00% from $100k | — |
| 24 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 3.20% | — | 3.20% | $650 |
| 24 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.25% | —3.25% from $100k | — |
| 36 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 3.25% | — | 3.25% | $1,007 |
| 36 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.30% | —3.30% from $100k | — |
| 48 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 3.25% | — | 3.25% | $1,365 |
| 48 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.30% | —3.30% from $100k | — |
| 60 monthsAssumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | 3.50% | — | 3.50% | $1,877 |
| 60 monthsfor balances of $100,000 or more. Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only | — | 3.55% | —3.55% from $100k | — |
Sources (1)
- direct.com/bank/cd-share-certificates · captured Sep 24, 2026
Who can join Direct Federal 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 anyone who lives, works (or regularly conducts business in), worships, or attends school in Norfolk or Middlesex Counties.
Family and household
- Membership is open to individuals who have an immediate family member fulfilling the geographic eligibility requirements.
Membership information collected October 5, 2026.