Credit union · NCUA insured
Energy Credit Union CD Rates
Top CarrotEnergy Credit Union’s best CD rate is 4.75% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Energy Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Energy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Energy Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,612
Certificate 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
Energy Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.75%
- QualifiedQualified4.75%
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 Energy 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 of Deposit
Up to 4.75%APY · 7 terms
Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.20% | $208 |
| 12 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.25% | $425 |
| 18 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.25% | $644 |
| 24 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.25% | $868 |
| 36 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.50% | $1,412 |
| 48 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.50% | $1,925 |
| 60 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.75% | $2,612 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.75%APY · 7 terms
Must be a member of Energy Credit Union with a Share (Savings) Account. Interest compounded and paid monthly. Substantial penalty for early withdrawal. NCUSIF insurance covers IRA deposits separately up to $250,000, with MSIC coverage above $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.20% | $208 |
| 12 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.25% | $425 |
| 18 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.25% | $644 |
| 24 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.25% | $868 |
| 36 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.50% | $1,412 |
| 48 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.50% | $1,925 |
| 60 monthsInterest is compounded and paid monthly. Substantial penalty for early withdrawal | 4.75% | $2,612 |
Who can join Energy 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 who live or work in certain communities within Norfolk, Suffolk, Middlesex, and Essex counties.
Employers and groups
- Membership is open to employees and retirees of National Grid New England.
Family and household
- Membership is open to family members of eligible individuals.
Cost to join
- A share savings account deposit of $10 or more is required to join.
Membership information collected October 5, 2026.