Credit union · NCUA insured
People's Credit Union CD Rates
People's Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How People's Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where People's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
People's Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
Certificates 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
People's Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.00%
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 People's 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.
Certificates of Deposit
Up to 4.00%APY · 13 terms
Early withdrawal penalties apply. Fees could reduce earnings. APY assumes principal and interest remain on deposit for the term of the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 4.00% | $198 |
| 7 months | 4.00% | $231 |
| 9 months | 4.00% | $299 |
| 10 months | 4.00% | $332 |
| 12 months | 4.00% | $400 |
| 15 months | 3.25% | $408 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 30 months | 2.60% | $663 |
| 36 months | 2.50% | $769 |
| 48 months | 2.35% | $974 |
| 60 months | 2.35% | $1,232 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.00%APY · 13 terms
Early withdrawal penalties apply. Additional IRS penalties may apply for IRA accounts. Fees could reduce earnings. APY assumes principal and interest remain on deposit for the term of the certificate. Available for Traditional, Roth, and Education IRAs. All CDs are available for Individual Retirement (IRA) deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 4.00% | $198 |
| 7 months | 4.00% | $231 |
| 9 months | 4.00% | $299 |
| 10 months | 4.00% | $332 |
| 12 months | 4.00% | $400 |
| 15 months | 3.25% | $408 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 30 months | 2.60% | $663 |
| 36 months | 2.50% | $769 |
| 48 months | 2.35% | $974 |
| 60 months | 2.35% | $1,232 |
Who can join People's Credit Union
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