Credit union · NCUA insured
Mills42 Federal Credit Union CD Rates
Mills42 Federal Credit Union’s best CD rate is 3.75% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How Mills42 Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Mills42 Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mills42 Federal Credit Union
3.75%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $155
Share Certificate
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
Mills42 Federal Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.75%
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 Mills42 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.
Share Certificate
Up to 3.75%APY · 8 terms
Member eligibility is required. Highest dividend rates require eStatements; without eStatements, lower standard rate applies. Minimum balance of $500 required to open account and earn dividends. Dividends compounded daily and posted monthly and at maturity date. Substantial penalty for early withdrawal. Does not automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsRequires eStatements | 3.75% | $155 |
| 5 monthsStandard rate without eStatements | 3.50% | $144 |
| 6 monthsRequires eStatements | 2.75% | $137 |
| 6 monthsStandard rate without eStatements | 2.50% | $124 |
| 11 monthsRequires eStatements | 3.65% | $334 |
| 11 monthsStandard rate without eStatements | 3.40% | $311 |
| 12 monthsRequires eStatements | 2.75% | $275 |
| 12 monthsStandard rate without eStatements | 2.50% | $250 |
| 24 monthsRequires eStatements | 2.75% | $558 |
| 24 monthsStandard rate without eStatements | 2.50% | $506 |
| 36 monthsRequires eStatements | 2.75% | $848 |
| 36 monthsStandard rate without eStatements | 2.50% | $769 |
| 48 monthsRequires eStatements | 2.75% | $1,146 |
| 48 monthsStandard rate without eStatements | 2.50% | $1,038 |
| 60 monthsRequires eStatements | 2.75% | $1,453 |
| 60 monthsStandard rate without eStatements | 2.50% | $1,314 |
Sources (4)
- mills42fcu.com
- mills42fcu.com/disclosures/cer…disclosure-and-agreement
- mills42fcu.com/rates
- mills42fcu.com/rates/share-certificate-rates
All captured Oct 5, 2026
Special-purpose accounts
Kids Club Share Certificate
Up to 2.75%APY · 6 terms
Available to Mills42 members ages 13 and under. Kids Club Certificate requires a minimum deposit of $200. Highest dividend rates require eStatements and Direct Deposit of net pay, Social Security, or pension into any Mills42 deposit account; without eStatements and Direct Deposit, lower standard rate applies. Dividends are compounded daily and posted monthly and at maturity date. Dividend penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires eStatements and Direct Deposit into any Mills42 deposit account | 2.75% | $137 |
| 6 monthsStandard rate without eStatements and Direct Deposit | 2.50% | $124 |
| 12 monthsRequires eStatements and Direct Deposit into any Mills42 deposit account | 2.75% | $275 |
| 12 monthsStandard rate without eStatements and Direct Deposit | 2.50% | $250 |
| 24 monthsRequires eStatements and Direct Deposit into any Mills42 deposit account | 2.75% | $558 |
| 24 monthsStandard rate without eStatements and Direct Deposit | 2.50% | $506 |
| 36 monthsRequires eStatements and Direct Deposit into any Mills42 deposit account | 2.75% | $848 |
| 36 monthsStandard rate without eStatements and Direct Deposit | 2.50% | $769 |
| 48 monthsRequires eStatements and Direct Deposit into any Mills42 deposit account | 2.75% | $1,146 |
| 48 monthsStandard rate without eStatements and Direct Deposit | 2.50% | $1,038 |
| 60 monthsRequires eStatements and Direct Deposit into any Mills42 deposit account | 2.75% | $1,453 |
| 60 monthsStandard rate without eStatements and Direct Deposit | 2.50% | $1,314 |
Sources (2)
All captured Oct 5, 2026
Who can join Mills42 Federal Credit Union
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