Credit union · NCUA insured
Nutmeg State Financial Credit Union CD Rates
Top CarrotNutmeg State Financial Credit Union’s best CD rate is 4.60% APY on a 14-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Nutmeg State Financial Credit Union’s CD rates compare
Compared with banks and credit unions near New Haven, CT, where Nutmeg State Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Share Certificates
Top rate
Connecticut State Police Credit Union
4.86%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $6,065
3rd-highest rate
USALLIANCE Financial
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
Nutmeg State Financial Credit Union CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.60%
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 Nutmeg State Financial 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
Up to 4.60%APY · 11 terms
Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 4 monthsPromotional Rate. At maturity, rolls into a 3-month non-promotional certificate at the then-current rate. Requires minimum deposit of $1,000 in new funds not currently on deposit with Nutmeg. Cannot be combined with any other offers | 3.75% | $123 |
| 6 months | 4.00% | $198 |
| 10 monthsPromotional Rate. At maturity, rolls into a 12-month non-promotional certificate at the then-current rate. Requires minimum deposit of $1,000 in new funds not currently on deposit with Nutmeg. Cannot be combined with any other offers | 4.50% | $374 |
| 12 months | 4.07% | $407 |
| 14 monthsPromotional Rate. At maturity, rolls into a 12-month non-promotional certificate at the then-current rate. Minimum deposit is $1,000 per member on new money only (not available for funds withdrawn from existing Nutmeg savings or certificate accounts). Online enrollment only. Cannot be combined with other offers | 4.60% | $539 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (3)
- nutmegstatefcu.org/certificates
- nutmegstatefcu.org/rates/savings-rates
- nutmegstatefcu.org/share-certificates
All captured Oct 22, 2026
Who can join Nutmeg State Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone in the United States can join via The Community Impact Fund (CIF) membership eligibility with no additional fees or obligations.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school or volunteer in Hartford County, Middlesex County, Tolland County, New Haven County, or the Fairfield County towns of Bridgeport, Shelton, Stratford, Trumbull, Fairfield, Norwalk and Westport, CT.
Employers and groups
- Membership is open to employees of Nutmeg State Financial Credit Union.
Family and household
- Membership is open to spouses and immediate family of current members.
Cost to join
- A minimum deposit of $5 in a Share Savings Account is required to open and maintain membership.
Membership information collected October 4, 2026.