Credit union · NCUA insured
HTM Credit Union CD Rates
Top CarrotHTM Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 6 months to 1 year. Rates checked October 15, 2026.
How HTM Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where HTM Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HTM Credit Union
3.82%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $189
Term 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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 3.82%APY · 2 terms
All certificates are subject to an early withdrawal penalty (3 months' dividends). Certificates automatically renew unless instructed otherwise. Dividends are compounded and posted monthly. If member opts to have dividends transferred to a Share account or check mailed, the certificate is non-compounding.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum dividend balance of $1,000. Dividends earned on actual certificate balance and compounded monthly | 3.82% | $189 |
| 12 monthsMinimum dividend balance of $1,000. Dividends earned on actual certificate balance and compounded monthly | 3.56% | $356 |
Sources (2)
All captured Sep 18, 2026
Who can join HTM Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of HTM Credit Union are eligible for membership.
- Employees or former employees of any healthcare facility in the Greater Haverhill area are eligible for membership.
- Persons working in any building owned or at least 50% leased by healthcare facilities are eligible for membership.
- Members of any public library in the Greater Haverhill area are eligible for membership.
Military, government and schools
- Employees or former employees of the Central Northern Essex Division of the Trial Court of the Commonwealth are eligible for membership.
- Employees or former employees of any city or town in the Greater Haverhill area, including the school department, are eligible for membership.
1 more way to join
Family and household
- Immediate family members of an HTM Credit Union member are eligible for membership.
Cost to join
- Membership requires opening a share savings account with a deposit of $25 or more.
Membership information collected October 5, 2026.