Credit union · NCUA insured
Shrewsbury Federal Credit Union CD Rates
Shrewsbury Federal Credit Union’s best CD rate is 4.23% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Shrewsbury Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Shrewsbury Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Shrewsbury Federal Credit Union
4.23%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $864
Regular Share Certificates
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Shrewsbury Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.71%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.23%
- 31–60 months31–60 mo4.23%
- QualifiedQualified4.23%
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 Shrewsbury 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.
Regular Share Certificates
Up to 4.23%APY · 9 terms
Membership eligibility requires living, working, worshipping, or attending school in Berlin, Boylston, Clinton, Grafton, Holden, Millbury, Northborough, Shrewsbury, Sterling, Westborough, West Boylston, or Worcester, and opening a $5 savings/share account. Dividends are credited monthly and can be compounded, transferred, or issued as a check. Automatic renewal at maturity. Early withdrawal penalty of 6 months dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.02% | $50 |
| 6 months | 3.71% | $184 |
| 9 months | 3.82% | $285 |
| 12 months | 4.07% | $407 |
| 18 months | 4.13% | $625 |
| 24 months | 4.23% | $864 |
| 36 months | 4.23% | $1,323 |
| 48 months | 4.23% | $1,802 |
| 60 months | 4.23% | $2,301 |
Special-purpose accounts
IRA Share Certificates
Up to 4.23%APY · 9 terms
Membership eligibility requires living, working, worshipping, or attending school in Berlin, Boylston, Clinton, Grafton, Holden, Millbury, Northborough, Shrewsbury, Sterling, Westborough, West Boylston, or Worcester, and opening a $5 savings/share account. No maintenance fees, no rollover fees, no transfer fees. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.02% | $50 |
| 6 months | 3.71% | $184 |
| 9 months | 3.82% | $285 |
| 12 months | 4.07% | $407 |
| 18 months | 4.13% | $625 |
| 24 months | 4.23% | $864 |
| 36 months | 4.23% | $1,323 |
| 48 months | 4.23% | $1,802 |
| 60 months | 4.23% | $2,301 |
Sources (3)
- shrewsburycu.com/home/member-s…s/membership-eligibility
- shrewsburycu.com/home/member-services/rates
- shrewsburycu.com/home/personal/iras
All captured Oct 5, 2026
Who can join Shrewsbury 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
- Individuals who live, work, worship, or attend school in Berlin, Boylston, Clinton, Grafton, Holden, Millbury, Northborough, Shrewsbury, Sterling, Westborough, West Boylston, or Worcester are eligible for membership.
Cost to join
- Opening a $5 savings/share account is required to join the credit union.
Membership information collected October 5, 2026.