Credit union · NCUA insured
First Responders Credit Union CD Rates
First Responders Credit Union’s best CD rate is 3.75% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 5, 2026.
How First Responders Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where First Responders Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Responders Credit Union
3.80%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $380
Share Certificate Account
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.
Share Certificate Account
Up to 3.80%APY · 6 terms
Membership required. The minimum balance required to open a Share Certificate Account is $1,000. Early withdrawal penalties apply. Dividends compounded and credited monthly. Jumbo rate applies to members investing $100,000 or more in aggregate Share Certificate Account balances (.25% over Regular Dividend Rate).
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.76% | —3.76% from $100k | — |
| 6 monthsRegular tier. Early withdrawal penalties apply | 3.50% | — | 3.50% | $173 |
| 12 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 4.06% | —4.06% from $100k | — |
| 12 monthsRegular tier. Early withdrawal penalties apply | 3.80% | — | 3.80% | $380 |
| 24 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.26% | —3.26% from $100k | — |
| 24 monthsRegular tier. Early withdrawal penalties apply | 3.00% | — | 3.00% | $609 |
| 36 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.26% | —3.26% from $100k | — |
| 36 monthsRegular tier. Early withdrawal penalties apply | 3.00% | — | 3.00% | $927 |
| 48 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.01% | —3.01% from $100k | — |
| 48 monthsRegular tier. Early withdrawal penalties apply | 2.75% | — | 2.75% | $1,146 |
| 60 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.01% | —3.01% from $100k | — |
| 60 monthsRegular tier. Early withdrawal penalties apply | 2.75% | — | 2.75% | $1,453 |
Sources (1)
- firstresponderscu.org/accounts…are-and-ira-certificates · captured Oct 5, 2026
End of Summer Share Certificate Specials
Up to 3.75%APY · 2 terms
Membership required for members/retirees of first responder community in Massachusetts, Boston Firefighters CU, associated labor unions, and family members. Limited time offer and subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings. Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsLimited time offer and subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings. APY valid as of 8/17/26 | 3.75% | $312 |
| 22 monthsLimited time offer and subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings. APY valid as of 8/17/26 | 3.60% | $670 |
Sources (1)
- firstresponderscu.org/accounts…/sharecertificatespecial · captured Oct 5, 2026
Special-purpose accounts
IRA Account
Up to 3.80%APY · 6 terms
Membership required. Early withdrawal penalties apply. Dividends compounded and credited monthly. Minimum balance to open Share Certificate is $1,000. Jumbo rate applies to members investing $100,000 or more in aggregate Share Certificate Account balances (.25% over Regular Dividend Rate).
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.76% | —3.76% from $100k | — |
| 6 monthsRegular tier. Early withdrawal penalties apply | 3.50% | — | 3.50% | $173 |
| 12 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 4.06% | —4.06% from $100k | — |
| 12 monthsRegular tier. Early withdrawal penalties apply | 3.80% | — | 3.80% | $380 |
| 24 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.26% | —3.26% from $100k | — |
| 24 monthsRegular tier. Early withdrawal penalties apply | 3.00% | — | 3.00% | $609 |
| 36 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.26% | —3.26% from $100k | — |
| 36 monthsRegular tier. Early withdrawal penalties apply | 3.00% | — | 3.00% | $927 |
| 48 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.01% | —3.01% from $100k | — |
| 48 monthsRegular tier. Early withdrawal penalties apply | 2.75% | — | 2.75% | $1,146 |
| 60 months: members investing $100,000 or more in aggregate Share Certificate Account balances. Early withdrawal penalties apply | — | 3.01% | —3.01% from $100k | — |
| 60 monthsRegular tier. Early withdrawal penalties apply | 2.75% | — | 2.75% | $1,453 |
Sources (1)
- firstresponderscu.org/accounts…are-and-ira-certificates · captured Oct 5, 2026
Who can join First Responders Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of Boston Firefighters Credit Union are eligible for membership.
- Labor Union employees and retirees thereof serving the first responder community in Massachusetts are eligible for membership.
Military, government and schools
- Employees and retirees of fire departments, law enforcement departments, and municipally operated EMS departments in Massachusetts are eligible for membership.
Family and household
- Family members of eligible persons (including spouses, domestic partners sharing the same household, children, parents, grandparents, grandchildren, siblings, aunts, uncles, cousins, nieces, and nephews by blood or marriage) are eligible for membership.
Membership information collected October 5, 2026.