Credit union · NCUA insured
Hartford Federal Credit Union CD Rates
Hartford Federal Credit Union’s best CD rate is 3.30% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Hartford Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hartford, CT, where Hartford Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hartford Federal Credit Union
3.30%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $1,763
Share Certificate
Top rate
Connecticut State Police Credit Union
4.86%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $6,065
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Hartford Federal Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 Hartford Federal 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.
Share Certificate
Up to 3.30%APY · 8 terms
A $2,500 minimum deposit is required to earn stated dividend rates and yields. Penalty for early withdrawal varies according to maturity. Dividends are compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.02% | $50 |
| 6 months | 2.27% | $113 |
| 12 months | 2.53% | $253 |
| 18 months | 2.53% | $382 |
| 24 months | 2.78% | $564 |
| 30 months | 2.78% | $710 |
| 36 months | 3.04% | $940 |
| 60 months | 3.30% | $1,763 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 2.78%APY · 8 terms
A $2,500 minimum deposit is required to earn stated dividend rates and yields. Penalty for early withdrawal varies according to maturity. $2.00 per month IRA minimum balance fee applies if IRA balance is below $500. Traditional, Roth, and Coverdell Education Savings options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$2.00 per month fee if IRA balance is below $500 | 1.00% | $25 |
| 6 months$2.00 per month fee if IRA balance is below $500 | 2.53% | $126 |
| 12 months$2.00 per month fee if IRA balance is below $500 | 2.27% | $227 |
| 18 months$2.00 per month fee if IRA balance is below $500 | 2.02% | $305 |
| 24 months$2.00 per month fee if IRA balance is below $500 | 2.02% | $408 |
| 30 months$2.00 per month fee if IRA balance is below $500 | 2.78% | $710 |
| 36 months$2.00 per month fee if IRA balance is below $500 | 2.78% | $857 |
| 60 months$2.00 per month fee if IRA balance is below $500 | 2.53% | $1,331 |
Sources (3)
- hartfordfcu.com/Loans-Visa/Rates.aspx?tab=savings-rates
- hartfordfcu.com/Accounts/IRAs.aspx
- hartfordfcu.com/Loans-Visa/Rates.aspx
All captured Sep 19, 2026
Who can join Hartford Federal Credit Union
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