Credit union · NCUA insured
One Credit Union CD Rates
One Credit Union’s best CD rate is 4.07% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How One Credit Union’s CD rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
One Credit Union
4.07%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $442
Certificate of Deposit
Top rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
2nd-highest rate
Passumpsic Bank
4.15%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $240
One Credit Union CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo1.51%
- QualifiedQualified4.07%
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 One 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 4.07%APY · 10 terms
Federally insured by NCUA. Penalties may apply for early withdrawal. Fees could reduce earnings. Limited time offers may be discontinued at any point.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.50% | — | 0.50% | $25 |
| 7 monthsFall CD Special. Limited time offer | — | 3.30% | 3.30% | $191 |
| 12 months | 0.50% | — | 0.50% | $50 |
| 13 monthsCD Special / Fall CD Special. Limited time offer. There is no maximum limit | — | 4.07% | 4.07% | $442 |
| 18 months | 0.50% | — | 0.50% | $75 |
| 21 monthsCD Special / Fall CD Special. Limited time offer. There is no maximum limit | — | 3.50% | 3.50% | $621 |
| 24 months | 0.75% | — | 0.75% | $151 |
| 36 months | 1.00% | — | 1.00% | $303 |
| 48 months | 1.26% | — | 1.26% | $514 |
| 60 months | 1.51% | — | 1.51% | $778 |
Sources (3)
All captured Oct 22, 2026
Who can join One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 those who live, work, worship, attend school, or volunteer in any county in Vermont, throughout New Hampshire, or in specified counties across Massachusetts, Maine, and New York.
Family and household
- Membership is open to members of the immediate families of eligible persons.
Other ways
- Membership is open to organizations composed primarily of the same eligible individuals.
Membership information collected October 4, 2026.