Credit union · NCUA insured
New Bedford Credit Union CD Rates
New Bedford Credit Union’s best CD rate is 3.85% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How New Bedford Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where New Bedford Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New Bedford Credit Union
3.85%APY
- Term
- 3 months
- Minimum
- —
- Earns on $10,000
- $95
Certificate of Deposit
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
New Bedford Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo1.50%
- 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 New Bedford 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 of Deposit
Up to 3.85%APY · 10 terms
Penalty for early withdrawal. Dividend rate may change after the account is opened. All rates subject to change. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsSPECIAL | — | 3.85% | 3.85% | $95 |
| 4 monthsSPECIAL | — | 3.75% | 3.75% | $123 |
| 6 months | 3.65% | — | 3.65% | $181 |
| 9 months | 3.50% | — | 3.50% | $261 |
| 12 months | 3.00% | — | 3.00% | $300 |
| 18 months | 2.00% | — | 2.00% | $301 |
| 24 months | 1.75% | — | 1.75% | $353 |
| 36 months | 1.50% | — | 1.50% | $457 |
| 48 months | 1.25% | — | 1.25% | $509 |
| 60 months | 1.00% | — | 1.00% | $510 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.65%APY · 7 terms
Substantial penalty may be assessed on funds withdrawn prior to maturity. Minimum opening deposit amount required as outlined above. The dividend for IRA certificates is compounded monthly and credited monthly or paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 9 months | 3.50% | $261 |
| 12 months | 3.00% | $300 |
| 18 months | 2.00% | $301 |
| 24 months | 1.75% | $353 |
| 36 months | 1.50% | $457 |
| 48 months | 1.25% | $509 |
Sources (1)
- nbcu4u.com/deposit-rates · captured Sep 18, 2026
Who can join New Bedford Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or attend school in Bristol County; specified towns in Plymouth County and Barnstable County, Massachusetts; or Little Compton and Tiverton in Newport County, Rhode Island, are eligible for membership.
Military, government and schools
- Employees of the City of New Bedford, including pensioned employees of the Credit Union, are eligible for membership.
Family and household
- Family members of qualifying city/credit union employees and family members of qualifying geographic individuals are eligible for membership.
Membership information collected October 5, 2026.