Credit union · NCUA insured
Southbridge Credit Union CD Rates
Southbridge Credit Union’s best CD rate is 4.25% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Southbridge Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Southbridge Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southbridge Credit Union
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $534
Term 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
Southbridge Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- 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 Southbridge 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.
Term Certificates
Up to 4.25%APY · 9 terms
Membership established by prime share savings account with $5.00 minimum balance. Dividends compounded daily and posted monthly. Account automatically renews at maturity with a 10 calendar day grace period. Penalty for early withdrawal may be imposed. Fees may reduce earnings. All rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAnnual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity | 2.00% | $100 |
| 8 months | 4.00% | $265 |
| 12 months | 2.00% | $200 |
| 15 months | 4.25% | $534 |
| 18 months | 2.00% | $301 |
| 24 months | 2.00% | $404 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 9 terms
Membership established by prime share savings account with $5.00 minimum balance. Dividends compounded daily and posted monthly. Account automatically renews at maturity with a 10 calendar day grace period. Fees may reduce earnings. Penalty for early withdrawal may be imposed. All rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAnnual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity | 2.00% | $100 |
| 8 months | 4.00% | $265 |
| 12 months | 2.00% | $200 |
| 15 months | 4.25% | $534 |
| 18 months | 2.00% | $301 |
| 24 months | 2.00% | $404 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (3)
- southbridgecu.com/individual-retirement-accounts-iras
- southbridgecu.com/rates
- southbridgecu.com/certificates-of-deposit-cds
All captured Oct 5, 2026
Who can join Southbridge 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, businesses, and organizations that reside, work, or operate in Worcester, Bristol, Franklin, Hampshire, Norfolk, Hampden, or Middlesex County, MA, or Windham County, CT.
Cost to join
- New members can get started by opening an account with as little as $5.00.
Membership information collected October 5, 2026.