Credit union · NCUA insured
Naveo Credit Union CD Rates
Naveo Credit Union’s best CD rate is 3.85% APY on a 5-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Naveo Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Naveo Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Naveo Credit Union
3.85%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $159
Share Certificates 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
Naveo Credit Union CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.85%
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 Naveo 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 Certificates of Deposit
Up to 3.85%APY · 12 terms
Early withdrawal penalties may be imposed. APY assumes principal and interest remain on deposit for the full term. Withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 5 months5-month CD special rolls over to a 6-month term at maturity | 3.85% | $159 |
| 6 months | 2.00% | $100 |
| 8 months8-month CD special rolls over to a 12-month term at maturity | 3.60% | $239 |
| 9 months | 2.25% | $168 |
| 12 months | 2.50% | $250 |
| 15 months | 1.55% | $194 |
| 18 months | 1.65% | $249 |
| 24 months | 1.75% | $353 |
| 36 months | 1.95% | $596 |
| 48 months | 2.15% | $888 |
| 60 months | 2.50% | $1,314 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
Up to 2.50%APY · 10 terms
Offered as Traditional IRA or ROTH IRA. Tax penalties may apply for early withdrawal. APY assumes principal and interest remain on deposit for the full term. Withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 2.00% | $100 |
| 9 months | 2.25% | $168 |
| 12 months | 2.50% | $250 |
| 15 months | 1.55% | $194 |
| 18 months | 1.65% | $249 |
| 24 months | 1.75% | $353 |
| 36 months | 1.95% | $596 |
| 48 months | 2.15% | $888 |
| 60 months | 2.50% | $1,314 |
Who can join Naveo Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, or goes to school in Middlesex and Suffolk Counties and the municipalities of Peabody, Lynn, Salem, Nahant, Lynnfield, Saugus, Swampscott, and Marblehead in Essex County within the Commonwealth of Massachusetts.
Family and household
- Open to immediate family members of individuals eligible through the geographic criteria in Massachusetts.
Other ways
- Open to organizations of Naveo members.
Cost to join
- Opening a savings account with a $5 deposit is required to become a member.
Membership information collected October 5, 2026.