Credit union · NCUA insured
Greater Springfield Credit Union CD Rates
Greater Springfield Credit Union’s best CD rate is 3.56% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Greater Springfield Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where Greater Springfield Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Springfield Credit Union
3.56%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $176
Regular CDs
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
Greater Springfield Credit Union CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.56%
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 Greater Springfield 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.
Regular CDs
Up to 3.56%APY · 7 terms
Minimum balance $1,000 to earn advertised APY. Early withdrawal penalty: 90 days dividends for maturity ≤ 1 year; 180 days dividends for maturity > 1 year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.56% | $356 |
| 18 months | 3.30% | $499 |
| 24 months | 2.79% | $566 |
| 36 months | 2.83% | $873 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Traditional and Roth IRA CDs
Up to 3.66%APY · 7 terms
Available as Traditional or Roth IRA. APY assumes dividends remain on deposit until maturity; withdrawal of dividends will reduce earnings. Early withdrawal penalty is 90 days of dividends for maturity of one year or less, and 180 days of dividends for maturity greater than one year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days worth of dividends | 3.66% | $181 |
| 12 monthsEarly withdrawal penalty of 90 days worth of dividends | 3.66% | $366 |
| 18 monthsEarly withdrawal penalty of 180 days worth of dividends | 3.40% | $514 |
| 24 monthsEarly withdrawal penalty of 180 days worth of dividends | 2.89% | $586 |
| 36 monthsEarly withdrawal penalty of 180 days worth of dividends | 2.94% | $908 |
| 48 monthsEarly withdrawal penalty of 180 days worth of dividends | 3.14% | $1,316 |
| 60 monthsEarly withdrawal penalty of 180 days worth of dividends | 3.14% | $1,672 |
Sources (2)
All captured Sep 18, 2026
Who can join Greater Springfield 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, worships, or attends school in Hampden or Hampshire County.
Cost to join
- An initial deposit of $25 is required to open an account and establish membership.
Membership information collected October 5, 2026.