Credit union · NCUA insured
Members Plus Credit Union CD Rates
Top CarrotMembers Plus Credit Union’s best CD rate is 4.30% APY on a 15-month share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 15, 2026.
How Members Plus Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Members Plus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Plus Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
Members Plus Certificate of Deposit
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
Members Plus Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.30%
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 Members Plus 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.
Members Plus Certificate of Deposit
Up to 4.30%APY · 8 terms
Fixed-rate accounts that remain in effect until maturity. Penalty may apply for early withdrawal. Dividends assumed to remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 13 months | 4.00% | $434 |
| 15 months | 4.30% | $540 |
| 18 months | 4.30% | $652 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
- memberspluscu.org/personal-ban…/products-solutions/iras
- memberspluscu.org/personal-ban…s/certificate-of-deposit
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.30%APY · 8 terms
Available as Traditional IRA or Roth IRA. Fixed-rate accounts that remain in effect until maturity. Early withdrawal penalty may apply. Dividends assumed to remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 13 months | 4.00% | $434 |
| 15 months | 4.30% | $540 |
| 18 months | 4.30% | $652 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- memberspluscu.org/personal-ban…/products-solutions/iras · captured Oct 5, 2026
Who can join Members Plus 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 live or work in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible for membership.
Employers and groups
- Employees, retirees, and family members of the Eversource Companies, Exelon, and Entergy are eligible for membership.
Family and household
- Relatives and domestic partners of existing members—including spouses, children, siblings, parents, grandparents, and in-laws—are eligible for membership.
Other ways
- Individuals who belong to a religious or social organization located in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $5 deposit.
Membership information collected October 5, 2026.