Credit union · NCUA insured
Malden Federal Credit Union CD Rates
Top CarrotMalden Federal Credit Union’s best CD rate is 4.07% APY on a 9-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Malden Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Malden Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Malden Federal Credit Union
4.07%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $304
Certificate Account
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
Malden Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.07%
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 Malden 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.
Certificate Account
Up to 4.07%APY · 5 terms
With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum amount $500.00 | 3.82% | $189 |
| 9 monthsMinimum amount $500.00 | 4.07% | $304 |
| 12 monthsMinimum amount $500.00 | 3.82% | $382 |
| 24 monthsMinimum amount $500.00 | 4.07% | $831 |
| 36 monthsMinimum amount $500.00 | 4.07% | $1,271 |
Sources (2)
- maldenfcu.com/products-and-services/savings/certificates
- maldenfcu.com/rates/certificate-account-rates
All captured Oct 16, 2026
Who can join Malden Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Catholic Charities who work in Malden, MA.
- Employees of Partnership for Community Schools, Malden, MA.
- Employees of this credit union.
- Employees of Sacred Heart Parish, Cheverus School, Malden, MA.
Military, government and schools
- Employees of the City of Malden, who work in Malden, MA.
- Employees of Malden Housing Authority.
8 more ways to join
Military, government and schools
- Employees of Malden Catholic High, Malden MA.
- Employees of the Malden School Department, Malden MA.
- Employees of the Mystic Valley Advantage Regional Charter School, Malden, MA.
- Malden School Committee Members.
Family and household
- Members of immediate families (spouses, children, parents, siblings, in-laws, grandparents, grandchildren) of eligible persons.
- Spouses of persons who have died while in the field of membership of this credit union.
Other ways
- Organizations of persons in the field of membership.
- Persons retired as pensioners or annuitants from the qualifying employments.
Membership information collected October 5, 2026.