Credit union · NCUA insured
NESC Federal Credit Union CD Rates
Top CarrotNESC Federal Credit Union’s best CD rate is 4.59% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How NESC Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where NESC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NESC Federal Credit Union
4.59%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $577
Certificate Account
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
NESC Federal Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo4.59%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo2.53%
- QualifiedQualified4.59%
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 NESC 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.
Certificate Account
Up to 4.59%APY · 10 terms
Rates available exclusively to NESC Credit Union members. Penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 3.30% | $164 |
| 7 monthsMaintain minimum average daily balance to earn disclosed APY. At maturity, automatically renews as a 6-month Certificate at the then-current rate. Early withdrawal penalty applies | 4.07% | $235 |
| 12 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 3.30% | $330 |
| 15 monthsMaintain minimum average daily balance to earn disclosed APY. At maturity, automatically renews as a 12-month Certificate at the then-current rate. Early withdrawal penalty applies | 4.59% | $577 |
| 18 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 3.30% | $499 |
| 24 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 3.04% | $617 |
| 30 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 2.79% | $712 |
| 36 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 2.53% | $778 |
| 48 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 2.27% | $939 |
| 60 monthsMaintain minimum average daily balance to earn disclosed APY. Early withdrawal penalty applies | 2.02% | $1,052 |
Sources (2)
All captured Sep 24, 2026
Who can join NESC 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
- You are eligible to join if you live, work, worship, or attend school in Essex or Middlesex County, MA, or Rockingham or Hillsborough County, NH.
Family and household
- You are eligible to join if you are an immediate family member of a current member.
Membership information collected October 5, 2026.