Credit union · NCUA insured
SCU Credit Union CD Rates
SCU Credit Union’s best CD rate is 4.25% APY on a 30-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How SCU Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where SCU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SCU Credit Union
4.25%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,097
Certificates of Deposit Specials
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
SCU Credit Union CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.25%
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 SCU 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 Specials
Up to 4.25%APY · 3 terms
Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates fixed for the term. Early withdrawal penalties apply. Insured by NCUA and MSIC.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months7 Month Special. Rates fixed for term; penalty may apply for early withdrawal | 3.75% | $217 |
| 15 months15 Month Special. Rates fixed for term; penalty may apply for early withdrawal | 4.00% | $502 |
| 30 months30 Month Special. Rates fixed for term; penalty may apply for early withdrawal | 4.25% | $1,097 |
Sources (3)
All captured Oct 5, 2026
36 Month Step Up Certificates of Deposit
3.30%APY · 1 term
Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed. Penalty may apply for early withdrawal. Insured by NCUA and MSIC.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsYear 1 of 36-Month Step-Up Certificate. Rate is fixed for Year 1 | 3.30% | $1,023 |
| 36 monthsYear 2 of 36-Month Step-Up Certificate. Rate is fixed for Year 2 | 3.30% | $1,023 |
| 36 monthsYear 3 of 36-Month Step-Up Certificate. Rate is fixed for Year 3 | 3.30% | $1,023 |
Sources (3)
All captured Oct 5, 2026
Certificates of Deposit
Up to 3.25%APY · 9 terms
Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates fixed for the term. Early withdrawal penalties apply. Insured by NCUA and MSIC.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRates fixed for term; penalty may apply for early withdrawal | 3.00% | $74 |
| 6 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $161 |
| 9 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $243 |
| 12 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $325 |
| 18 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $491 |
| 24 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $661 |
| 36 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $1,007 |
| 48 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $1,365 |
| 60 monthsRates fixed for term; penalty may apply for early withdrawal | 3.25% | $1,734 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 9 terms
Available for Traditional, Roth, and Coverdell Educational IRAs. Requires membership eligibility. Fixed high-yield returns. Subject to IRS rules and penalties for early withdrawal before age 59 1/2. $40 fee for outgoing trustee transfer. Insured by NCUA and MSIC.
| Term | APY · $250 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 months9 Month IRA Certificate | — | 3.25% | 3.25% | $243 |
| 12 months12 Months IRA Certificate | 3.25% | — | 3.25% | $325 |
| 15 months15 Month IRA Special | — | 4.00% | 4.00% | $502 |
| 18 months18 Months IRA Certificate | 3.25% | — | 3.25% | $491 |
| 24 months24 Months IRA Certificate | 3.25% | — | 3.25% | $661 |
| 30 months30 Month IRA Special | 4.25% | — | 4.25% | $1,097 |
| 36 months36 Month Step Up Certificate, Year 1 | — | 3.30% | 3.30% | $1,023 |
| 36 months36 Month Step Up Certificate, Year 2 | — | 3.30% | 3.30% | $1,023 |
| 36 months36 Month Step Up Certificate, Year 3 | — | 3.30% | 3.30% | $1,023 |
| 36 months36 Months IRA Certificate | 3.25% | — | 3.25% | $1,007 |
| 48 months48 Months IRA Certificate | 3.25% | — | 3.25% | $1,365 |
| 60 months60 Months IRA Certificate | 3.25% | — | 3.25% | $1,734 |
Who can join SCU 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 individuals who live, work, attend school, college or university, or have a usual place of business in specified counties in Massachusetts (Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk), Rhode Island (Bristol, Newport, Providence), or specified towns in Worcester County, Massachusetts (Blackstone, Hopedale, Mendon, Milford, Millville, Northbridge, Southborough, Upton, Uxbridge, Westborough).
Family and household
- Membership is open to family members (defined as spouse, child, brother, sister, parent, grandchild, grandparent, stepchild, stepbrother, stepsister, sister-in-law, brother-in-law, mother-in-law, father-in-law, daughter-in-law, son-in-law, aunt, uncle, niece, nephew, or cousin) of eligible persons, regardless of location.
Other ways
- Membership is open to organization members (fraternal organizations, voluntary associations, partnerships, or corporations) having a usual place of business within the commonwealth and composed principally of individual members or stockholders eligible for credit union membership or the Central Credit Union Fund, Inc.
Membership information collected October 5, 2026.