Credit union · NCUA insured
Health Alliance FCU CD Rates
Health Alliance FCU’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Health Alliance FCU’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Health Alliance FCU has the most branches. $10,000, best rate first.
This credit union’s best
Health Alliance FCU
3.75%APY
- Term
- 3 months
- Minimum
- —
- Earns on $10,000
- $92
Share Certificates
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
Health Alliance FCU CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.75%
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 Health Alliance 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.
Jumbo Certificates
Up to 3.75%APY · 6 terms
Penalty for early withdrawal on all time deposits. Fees could reduce earnings. CD rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | — |
| 12 months | 3.75% | — |
| 18 months | 3.50% | — |
| 24 months | 3.25% | — |
| 36 months | 3.25% | — |
| 60 months | 3.00% | — |
Sources (1)
- myhacu.org/rates · captured Sep 18, 2026
Share Certificates
Up to 3.75%APY · 7 terms
Penalty for early withdrawal on all time deposits. Fees could reduce earnings. CD rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.50% | $173 |
| 12 months | 3.25% | $325 |
| 18 months | 3.25% | $491 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 60 months | 2.50% | $1,314 |
Special-purpose accounts
IRA Jumbo Certificates
Up to 3.80%APY · 6 terms
Penalty for early withdrawal on all time deposits. Fees could reduce earnings. CD rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | — |
| 12 months | 3.80% | — |
| 18 months | 3.55% | — |
| 24 months | 3.30% | — |
| 36 months | 3.30% | — |
| 60 months | 3.05% | — |
Sources (1)
- myhacu.org/rates · captured Sep 18, 2026
IRA Share Certificates
Up to 3.80%APY · 7 terms
Penalty for early withdrawal on all time deposits. Fees could reduce earnings. CD rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.55% | $176 |
| 12 months | 3.30% | $330 |
| 18 months | 3.30% | $499 |
| 24 months | 3.05% | $619 |
| 36 months | 3.05% | $943 |
| 60 months | 2.55% | $1,342 |
Sources (1)
- myhacu.org/rates · captured Sep 18, 2026
Who can join Health Alliance FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Cambridge Health Alliance are eligible for membership.
- Retirees of Cambridge Health Alliance are eligible for membership.
Family and household
- Household and family members of eligible Cambridge Health Alliance employees or retirees are eligible for membership.
Other ways
- Organizations of eligible Cambridge Health Alliance persons are eligible for membership.
Cost to join
- An initial deposit of at least $5.00 is required upon application.
Membership information collected October 5, 2026.