Credit union · NCUA insured
RiverWorks Credit Union CD Rates
RiverWorks Credit Union’s best CD rate is 4.80% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How RiverWorks Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where RiverWorks Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
6 Month CD Special
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
3rd-highest rate
Energy Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,612
RiverWorks Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo1.51%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.90%
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 RiverWorks 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.
6 Month CD Special
4.80%APY · 1 term
Special offer available online or at 24 Broadway/Route 1 in Lynnfield. Penalty for early withdrawal. Minimum deposit of $500.00. Membership eligibility required. Federally insured by NCUA; shares in excess of $250,000 fully insured by MSIC.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsHeadline lists 4.07% APY*; footnote specifies APY = 4.80% and Rate = 4.70% effective 9/19/24. Penalty for early withdrawal. Minimum deposit $500.00. Membership eligibility required | 4.80% | $237 |
Sources (1)
- rwcu.com/6-month-cd-special · captured Sep 18, 2026
Certificates of Deposit (CDs)
Up to 4.07%APY · 9 terms
Rates quoted are accurate as of August 14, 2024 and subject to change without notice. If average daily balance falls below the minimum for that dividend period, no dividends are earned during that period. Fully insured up to $250,000 by NCUA and MSIC.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 3.90% | $96 |
| 6 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 4.07% | $201 |
| 12 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 1.51% | $151 |
| 18 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 1.76% | $265 |
| 24 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 2.02% | $408 |
| 30 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 2.02% | $513 |
| 36 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 2.78% | $857 |
| 48 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 2.78% | $1,159 |
| 60 monthsMinimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period | 2.78% | $1,469 |
Sources (2)
All captured Sep 18, 2026
Who can join RiverWorks Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals and their families who live or work in Essex County, Middlesex County, or Suffolk County are eligible for membership.
Employers and groups
- All employees of electrical contractors and organizations conducting business with the specified IBEW Union Locals are eligible to join.
- Employees (and their family members/relatives) of General Electric Company in Lynn, Massachusetts, or any affiliated organization are eligible for membership.
- Employees, regular members, and registered apprentices (including family members/relatives) of IBEW Union Local 103 of Greater Boston, MA, Union Local 223 in Brockton, MA, or Union Local 104 in Dedham, MA are eligible for membership.
Membership information collected October 5, 2026.