Members First Credit Union CD Rates

How Members First Credit Union’s CD rates compare

Compared with banks and credit unions near Manchester, NH, where Members First Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Members First Credit Union
4.00%APY
Term
9 months
Minimum
$1,000
Earns on $10,000
$299
Term Share Certificates
Top rate
Machias Savings Bank
4.50%APY
Term
36 months
Minimum
$500
Earns on $10,000
$1,412
Machias Savings Bank rates
2nd-highest rate
GFA FCU
4.45%APY
Term
48 months
Minimum
$500
Earns on $10,000
$1,902
GFA FCU rates

Compare CD rates near you →

CD score

Higher than 54% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.75%
9–15 months9–15 mo4.00%
16–30 months16–30 mo2.00%
31–60 months31–60 mo3.00%
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.

How the score works →

Where Members First 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 Certificates

Up to 4.00%APY · 11 termsFrom $1,000 to open

Penalty may be imposed for early withdrawal. Withdrawals or fees may reduce earnings. Other rates and terms may be available.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · $1,000 – $200,000	APY	Earns on $10,000Earns
3 months	0.25%	—	0.25%	$6
6 months	0.50%	—	0.50%	$25
7 monthsNo limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY	—	3.75%	3.75%	$217
9 monthsNo limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY	—	4.00%	4.00%	$299
11 monthsNo limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY	—	4.00%	4.00%	$366
12 months	1.00%	—	1.00%	$100
18 months	1.75%	—	1.75%	$264
24 months	2.00%	—	2.00%	$404
36 months	2.50%	—	2.50%	$769
48 months	2.75%	—	2.75%	$1,146
60 months	3.00%	—	3.00%	$1,593

Sources (1)

membersfirstnh.org/Rates/Deposit · captured Oct 22, 2026

Structured Savings Certificate

3.00%APY · 1 term

Minimum balance is $500.00. Eligible for additional deposits and a one-time rate adjustment upon request. Maximum rate adjustment is 2% above the opening rate to match the dividend rate and APY then offered by the credit union for this account type; additional contributions may be made at any time; $500,000 maximum principal balance per certificate; one certificate per member; no penalty will be imposed for withdrawal to finance the purchase of primary residence or to finance higher education of owner or dependent to accredited college or university.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 monthsMinimum balance is $500.00. Eligible for additional deposits and a one-time rate adjustment upon request. Maximum rate adjustment is 2% above the opening rate to match the dividend rate and APY then offered by the credit union for this account type; additional contributions may be made at any time; $500,000 maximum principal balance per certificate; one certificate per member; no penalty will be imposed for withdrawal to finance the purchase of primary residence or to finance higher education of owner or dependent to accredited college or university	3.00%	$1,593

Sources (1)

membersfirstnh.org/Rates/Deposit · captured Oct 22, 2026

Special-purpose accounts

IRA Certificates

Up to 4.00%APY · 11 termsIRAFrom $1,000 to open

Penalty may be imposed for early withdrawal. Withdrawals or fees may reduce earnings. Other terms and rates may be available.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · $1,000 – $200,000	APY	Earns on $10,000Earns
3 months	0.25%	—	0.25%	$6
6 months	0.50%	—	0.50%	$25
7 monthsNo limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY	—	3.75%	3.75%	$217
9 monthsNo limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY	—	4.00%	4.00%	$299
11 monthsNo limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY	—	4.00%	4.00%	$366
12 months	1.00%	—	1.00%	$100
18 months	1.75%	—	1.75%	$264
24 months	2.00%	—	2.00%	$404
36 months	2.50%	—	2.50%	$769
48 months	2.75%	—	2.75%	$1,146
60 months	3.00%	—	3.00%	$1,593