Credit union · NCUA insured
Millbury Federal Credit Union CD Rates
Millbury Federal Credit Union’s best CD rate is 4.00% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Millbury Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Millbury Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Millbury Federal Credit Union
4.00%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $606
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
Millbury Federal Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.75%
- 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.
Where Millbury 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.
Certificates
Up to 4.00%APY · 9 terms
Penalty for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBank At Work program account. Penalty for early withdrawal | 0.25% | $12 |
| 6 monthsPenalty for early withdrawal | 0.85% | $42 |
| 7 monthsPenalty for early withdrawal | 3.25% | $188 |
| 12 monthsPenalty for early withdrawal | 1.50% | $150 |
| 18 monthsPenalty for early withdrawal | 4.00% | $606 |
| 24 monthsPenalty for early withdrawal | 3.75% | $764 |
| 30 monthsPenalty for early withdrawal | 3.75% | $964 |
| 36 monthsPenalty for early withdrawal | 3.75% | $1,168 |
| 48 monthsPenalty for early withdrawal | 3.75% | $1,587 |
| 60 monthsPenalty for early withdrawal | 3.75% | $2,021 |
Sources (1)
- millburycu.com/rates/deposit-rates · captured Sep 18, 2026
Special-purpose accounts
I.R.A. Certificates
Up to 4.00%APY · 8 terms
Penalty for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPenalty for early withdrawal | 3.25% | $188 |
| 12 monthsPenalty for early withdrawal | 1.50% | $150 |
| 18 monthsPenalty for early withdrawal | 4.00% | $606 |
| 24 monthsPenalty for early withdrawal | 3.75% | $764 |
| 30 monthsPenalty for early withdrawal | 3.75% | $964 |
| 36 monthsPenalty for early withdrawal | 3.75% | $1,168 |
| 48 monthsPenalty for early withdrawal | 3.75% | $1,587 |
| 60 monthsPenalty for early withdrawal | 3.75% | $2,021 |
Sources (1)
- millburycu.com/rates/deposit-rates · captured Sep 18, 2026
Who can join Millbury 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
- Individuals who live or work in Worcester County are eligible to join Millbury Credit Union.
Family and household
- Immediate family members of individuals who live or work in Worcester County are eligible to join Millbury Credit Union.
Cost to join
- Membership requires opening an account with an initial deposit of $5 or more.
Membership information collected October 5, 2026.