Credit union · NCUA insured
Service Credit Union CD Rates
Top CarrotService Credit Union’s best CD rate is 4.10% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Service Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Service Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Service Credit Union
4.10%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $410
Share Certificates
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
Service Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.10%
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 Service 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.
Share Certificates
Up to 4.10%APY · 11 terms
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.
| Term | APY · $250 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends compounded and credited monthly | — | 3.25% | 3.25% | $80 |
| 6 monthsAdditional deposits allowed after opening for 6-Month Share Certificate. Dividends compounded and credited monthly | 4.00% | — | 4.00% | $198 |
| 9 monthsDividends compounded and credited monthly | — | 4.00% | 4.00% | $299 |
| 11 monthsDividends compounded and credited monthly | — | 3.20% | 3.20% | $293 |
| 12 monthsDividends compounded and credited monthly | — | 4.10% | 4.10% | $410 |
| 15 monthsDividends compounded and credited monthly | — | 3.10% | 3.10% | $389 |
| 18 monthsDividends compounded and credited monthly | — | 3.00% | 3.00% | $453 |
| 24 monthsDividends compounded and credited monthly | — | 3.00% | 3.00% | $609 |
| 36 monthsDividends compounded and credited monthly | — | 2.35% | 2.35% | $722 |
| 48 monthsDividends compounded and credited monthly | — | 2.45% | 2.45% | $1,017 |
| 60 monthsDividends compounded and credited monthly | — | 2.50% | 2.50% | $1,314 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 4.10%APY · 11 terms
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.
| Term | APY · $250 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends compounded and credited monthly | — | 3.25% | 3.25% | $80 |
| 6 monthsAdditional deposits allowed after opening for 6-Month term. Dividends compounded and credited monthly | 4.00% | — | 4.00% | $198 |
| 9 monthsDividends compounded and credited monthly | — | 4.00% | 4.00% | $299 |
| 11 monthsDividends compounded and credited monthly | — | 3.20% | 3.20% | $293 |
| 12 monthsDividends compounded and credited monthly | — | 4.10% | 4.10% | $410 |
| 15 monthsDividends compounded and credited monthly | — | 3.10% | 3.10% | $389 |
| 18 monthsDividends compounded and credited monthly | — | 3.00% | 3.00% | $453 |
| 24 monthsDividends compounded and credited monthly | — | 3.00% | 3.00% | $609 |
| 36 monthsDividends compounded and credited monthly | — | 2.35% | 2.35% | $722 |
| 48 monthsDividends compounded and credited monthly | — | 2.45% | 2.45% | $1,017 |
| 60 monthsDividends compounded and credited monthly | — | 2.50% | 2.50% | $1,314 |
Sources (2)
All captured Oct 22, 2026
Who can join Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of the American Consumer Council.
- Membership is open to members of the Financial Fitness Association.
- Membership is open to employees and members of participating Workplace Partners (SEGs).
Military, government and schools
- Membership is open to current and former Department of Defense employees and their families.
- Membership is open to active duty military members, veterans, and their families.
Cost to join
- A $5 share deposit is required to establish membership.
Membership information collected October 4, 2026.