Credit union · NCUA insured
IC Credit Union CD Rates
IC Credit Union’s best CD rate is 4.30% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 5, 2026.
How IC Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where IC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IC Credit Union
0.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $304
Share Certificates
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
IC Credit Union CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo0.20%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.60%
- QualifiedQualified0.60%
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 IC 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 Certificates
Up to 0.60%APY · 10 terms
Available to members. Share certificates with original maturity under 12 months earn simple dividends paid at maturity; terms of 12 months or longer earn compounded dividends compounded daily and paid monthly. Early withdrawal penalties apply. Veteran Salute Suite eligible members receive a 0.25% rate increase on Share Certificates with new money (not applicable to specials).
| Term | APY · $500 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsSimple dividends posted to account at end of term. Early withdrawal penalty may apply | 0.10% | — | 0.10% | $2 |
| 6 monthsSimple dividends posted to account at end of term. Early withdrawal penalty may apply | 0.15% | — | 0.15% | $7 |
| 7 monthsRequires $25,000.00 minimum deposit in new money. Simple interest is paid to the account at maturity. Penalty may be imposed for early withdrawal. Limited-time promotional special | — | 4.30% | —4.30% from $25k | — |
| 12 monthsCompounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply | 0.20% | — | 0.20% | $20 |
| 15 monthsRequires $25,000.00 minimum deposit in new money. Dividends are compounded and credited according to account terms. Penalty may be imposed for early withdrawal. Limited-time promotional special | — | 4.30% | —4.30% from $25k | — |
| 18 monthsCompounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply | 0.25% | — | 0.25% | $38 |
| 24 monthsCompounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply | 0.30% | — | 0.30% | $60 |
| 36 monthsCompounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply | 0.40% | — | 0.40% | $120 |
| 48 monthsCompounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply | 0.50% | — | 0.50% | $202 |
| 60 monthsCompounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply | 0.60% | — | 0.60% | $304 |
Who can join IC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who participate in local associations in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Entities or individuals who maintain a local facility in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Individuals who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Local incorporated or unincorporated organizations located in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Individuals who participate in programs to alleviate local poverty or distress in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
3 more ways to join
Family and household
- Immediate family members of Credit Union employees are eligible for membership.
- Spouses of deceased Credit Union Members are eligible for membership.
Other ways
- Organizations of Credit Union Members are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required to join.
Membership information collected October 5, 2026.