Credit union · NCUA insured
HRCU CD Rates
HRCU’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How HRCU’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where HRCU has the most branches. $10,000, best rate first.
This credit union’s best
HRCU
4.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $366
Certificates of Deposit
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
HRCU CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
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 HRCU 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.
Certificates of Deposit
Up to 4.00%APY · 9 terms
Membership required (live, work, go to school, or worship in NH or York County, ME, or family member of HRCU member; $5 minimum to open membership). Early withdrawal penalty may apply. Dividends based on Average Daily Balance, paid monthly. Rate remains in effect for the term once opened. No setup or maintenance fees. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 ESI).
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 3.25% | 3.25% | $80 |
| 6 months | 1.10% | — | 1.10% | $55 |
| 11 months | 4.00% | — | 4.00% | $366 |
| 12 months | 1.25% | — | 1.25% | $125 |
| 18 months | 1.50% | — | 1.50% | $226 |
| 24 months | 1.75% | — | 1.75% | $353 |
| 36 months | 2.00% | — | 2.00% | $612 |
| 48 months | 2.50% | — | 2.50% | $1,038 |
| 60 months | 2.75% | — | 2.75% | $1,453 |
Sources (1)
- hrcu.org/bank/cds-iras · captured Oct 22, 2026
Special-purpose accounts
i$ave Certificate of Deposit (CD)
1.35%APY · 1 term
Available for ages 18 and under only. Bring child and Social Security number to branch to open. Maximum balance $10,000. Early withdrawal penalty may apply. Dividends based on Average Daily Balance, paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm of 12 months. Rate locked for term. Penalties may be incurred for early withdrawals. Maximum deposit $10,000 | 1.35% | $135 |
Sources (1)
- hrcu.org/bank/youthaccounts/kids_savings · captured Oct 22, 2026
Who can join HRCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, goes to school, or worships in New Hampshire or York County, Maine.
Family and household
- Eligibility is open to individuals who have a family member who is an HRCU member.
Cost to join
- An account can be opened with as little as $5.00.
Membership information collected October 4, 2026.