Credit union · NCUA insured
GFA FCU CD Rates
Top CarrotGFA FCU’s best CD rate is 4.45% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How GFA FCU’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where GFA FCU has the most branches. $10,000, best rate first.
This credit union’s best
GFA FCU
4.45%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,902
Term Share Certificate
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
GFA FCU CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.45%
- QualifiedQualified4.45%
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 GFA 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.
Term Share Certificate
Up to 4.45%APY · 7 terms
Dividends can compound, be paid by check, or transferred to an account monthly (min. $10.00). Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings | 3.25% | $80 |
| 6 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings | 3.50% | $173 |
| 12 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings | 4.15% | $415 |
| 24 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings | 4.25% | $868 |
| 36 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings | 4.35% | $1,363 |
| 48 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings | 4.45% | $1,902 |
| 60 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings | 0.85% | $432 |
Special-purpose accounts
Student Saver Certificate
4.00%APY · 1 term
Available for members 18 or younger. Option to continue to add funds during the term. Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Penalties for early withdrawal of principal are calculated as 90 days - 365 days simple interest on the amount of Principal withdrawn. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for members 18 or younger. Option to continue to add funds during the term. Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Penalties for early withdrawal of principal are calculated as 90 days - 365 days simple interest on the amount of Principal withdrawn. Rates are subject to change without notice | 4.00% | $400 |
IRA Share Certificates
Up to 2.75%APY · 7 terms
Options for Traditional, Roth, Educational, or SEP. Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings | 1.00% | $25 |
| 6 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings | 2.75% | $137 |
| 12 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings | 0.35% | $35 |
| 24 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings | 0.40% | $80 |
| 36 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings | 0.60% | $181 |
| 48 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings | 0.75% | $303 |
| 60 monthsMembership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Early withdrawal is subject to penalty and may reduce earnings | 0.85% | $432 |
Who can join GFA FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.