Credit union · NCUA insured
Luso Federal Credit Union CD Rates
Luso Federal Credit Union’s best CD rate is 3.80% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Luso Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where Luso Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Luso Federal Credit Union
3.80%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $477
Term Share Certificate
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
Luso Federal Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo0.50%
- QualifiedQualified3.80%
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 Luso 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.
Term Share Certificate
Up to 3.80%APY · 13 terms
Save your funds on your terms with a guaranteed rate with LUSO’s term share CD. $500 minimum deposit 3-month to 5-year terms Eligible for rate increases based on length of membership, direct deposit and overall deposit balances
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.05% | $1 |
| 6 months | 0.10% | $5 |
| 9 months | 0.10% | $7 |
| 12 months | 0.15% | $15 |
| 15 monthsRequires Direct Deposit or a 10-Year+ Membership (3.55% APY without direct deposit or 10-year plus membership). Subject to early withdrawal penalties | 3.80% | $477 |
| 18 months | 0.20% | $30 |
| 20 months | 0.20% | $33 |
| 23 monthsRequires Direct Deposit or a 10-Year+ Membership (3.25% APY without direct deposit or 10-year plus membership). Subject to early withdrawal penalties | 3.50% | $682 |
| 24 months | 0.25% | $50 |
| 30 months | 0.30% | $75 |
| 36 months | 0.35% | $105 |
| 48 months | 0.40% | $161 |
| 60 months | 0.50% | $253 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 3.80%APY · 13 terms
Eligible for rate increases based on length of membership, direct deposit and overall deposit balances.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.05% | $1 |
| 6 months | 0.10% | $5 |
| 9 months | 0.10% | $7 |
| 12 months | 0.15% | $15 |
| 15 monthsRequires Direct Deposit or a 10-Year+ Membership (3.55% APY without direct deposit or 10-year plus membership). Subject to early withdrawal penalties | 3.80% | $477 |
| 18 months | 0.20% | $30 |
| 20 months | 0.20% | $33 |
| 23 monthsRequires Direct Deposit or a 10-Year+ Membership (3.25% APY without direct deposit or 10-year plus membership). Subject to early withdrawal penalties | 3.50% | $682 |
| 24 months | 0.25% | $50 |
| 30 months | 0.30% | $75 |
| 36 months | 0.35% | $105 |
| 48 months | 0.40% | $161 |
| 60 months | 0.50% | $253 |
Sources (2)
All captured Oct 15, 2026
Who can join Luso Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Hampden County, Massachusetts.
Family and household
- Membership is open to relatives of current LUSO members.
Membership information collected October 5, 2026.