Credit union · NCUA insured
MSCU CD Rates
Top CarrotMSCU’s best CD rate is 0.90% APY on a 1-year share certificate (CD). Terms run from 3 months to 1 year. Rates checked October 15, 2026.
How MSCU’s CD rates compare
Compared with banks and credit unions near Bridgeport, CT, where MSCU has the most branches. $10,000, best rate first.
This credit union’s best
MSCU
3.50%APY
- Term
- 8 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $232
CD SPECIAL
Top rate
The First Bank of Greenwich
4.60%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $499
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $539
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CD SPECIAL
Up to 3.50%APY · 1 term
Membership required (minimum $5 deposit). APY requires member to have or open an Elevated Checking Account. Without it, APY is 3.40%. New or existing funds accepted. Offer may be withdrawn without notice. Early withdrawal penalty applies per standard terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsRate without an Elevated Checking Account. Early withdrawal penalty of 90 days of dividends for terms less than 12 months. New or existing funds accepted. MSCU membership required with minimum $5 deposit into Membership Account | 3.40% | $225 |
| 8 monthsRequires having or opening an Elevated Checking Account. Without an Elevated Checking Account APY will be 3.40%. Early withdrawal penalty of 90 days of dividends for terms less than 12 months. New or existing funds accepted. MSCU membership required with minimum $5 deposit into Membership Account | 3.50% | $232 |
CDs Only
Up to 0.90%APY · 4 terms
Membership required (minimum $5 deposit). Early withdrawal penalty: 90 days of dividends if term < 12 months; 180 days if term >= 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 0.50% | $25 |
| 9 months | 0.60% | $45 |
| 12 months | 0.90% | $90 |
Sources (1)
- mscu.net/rates/savings-rates · captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 3.40%APY · 1 term
$500 minimum opening deposit. Dividends compound monthly and are paid on the last day of the month and at maturity. Cannot add funds after opening. Early withdrawal penalty is 180 days of dividends for terms of 12 months or more; members age 59.5 or older making normal periodic withdrawals or receiving periodic payments from IRA Certificates are exempt. Dividend withdrawals are not eligible if owner is under age 59.5. Available for Traditional and Roth IRAs. MSCU membership required with a minimum $5 deposit into a Membership Account. Aggregate deposit balance limit of $250,000 per member without management approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 months14-Month CD/IRA Special standard rate without an Elevated Checking Account. Early withdrawal penalty is 180 days of dividends; members age 59.5 or older taking normal periodic withdrawals/payments exempt. New money and existing funds accepted. MSCU membership required with a minimum $5 deposit into a Membership Account | 3.30% | $386 |
| 14 months14-Month CD/IRA Special. Requires having or opening an Elevated Checking Account. Early withdrawal penalty is 180 days of dividends; members age 59.5 or older taking normal periodic withdrawals/payments exempt. New money and existing funds accepted. MSCU membership required with a minimum $5 deposit into a Membership Account | 3.40% | $398 |
Sources (5)
- mscu.net/rates/savings-rates
- mscu.net/roth-ira
- mscu.net/share-cerificates
- mscu.net/traditional-ira
- mscu.net
All captured Oct 4, 2026
CD/IRA
Up to 3.10%APY · 6 terms
Membership required (minimum $5 deposit). IRA Certificate owners must be age 59.5 or older for periodic withdrawals. Early withdrawal penalty: 90 days of dividends if term < 12 months; 180 days if term >= 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsAPY requires member to have or open an Elevated Checking Account. Without it, APY is 3.00%. New money and existing funds accepted. Offer may be withdrawn without notice | 3.10% | $363 |
| 18 months | 1.00% | $150 |
| 24 months | 1.25% | $252 |
| 36 months | 1.50% | $457 |
| 48 months | 2.00% | $824 |
| 60 months | 2.25% | $1,177 |
Sources (1)
- mscu.net/rates/savings-rates · captured Sep 19, 2026
Who can join MSCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Fairfield, Litchfield, or New Haven counties in Connecticut.
Family and household
- Family members of current members are eligible to join.
Membership information collected October 4, 2026.