Skip to content

Credit union · NCUA insured

Saint Michaels Federal Credit Union CD Rates

Saint Michaels Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.

How Saint Michaels Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Providence, RI-MA, where Saint Michaels Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Saint Michaels Federal Credit Union

    4.00%APY

    Term
    12 months
    Minimum
    $1,000
    Earns on $10,000
    $400

    Certificates

  • Top Carrot, Carrot Score 87

    Top rate

    Rhode Island Credit Union

    4.80%APY

    Term
    8 months
    Minimum
    $500
    Earns on $10,000
    $317

    Rhode Island Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Arise Financial

    4.75%APY

    Term
    36 months
    Minimum
    $500
    Earns on $10,000
    $1,494

    Arise Financial rates

Compare CD rates near you →

Saint Michaels Federal Credit Union CD score

74

CD score

Higher than 36% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo1.50%
  • 9–15 months9–15 mo4.00%
  • 16–30 months16–30 mo3.00%
  • 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.

How the score works →

Where Saint Michaels Federal 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.

Who can join Saint Michaels Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone in Fall River, Somerset, Swansea, Freetown, Assonet, Berkley, Dighton, and Lakeville, including anyone who lives, works, worships, and/or attends school in those communities.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Saint Michaels Federal Credit Union overview