Credit union · NCUA insured
Southcoast Credit Union CD Rates
Southcoast Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 15, 2026.
How Southcoast Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where Southcoast Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southcoast Credit Union
3.82%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $382
CD Special
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Southcoast Credit Union CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
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 Southcoast 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.
CD Special
3.82%APY · 1 term
New money from outside of any SouthCoast Accounts is needed to fund the CD, or an additional $10,000 from an outside source is needed to use funds from an existing credit union account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNew money from outside of any SouthCoast Accounts required; to use existing credit union funds, an additional $10,000 from an outside source is required | 3.82% | $382 |
Sources (1)
- southcoastcu.org · captured Sep 18, 2026
Share Certificates
Up to 3.82%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.04% | $304 |
| 24 months | 3.56% | $725 |
| 36 months | 3.82% | $1,190 |
| 48 months | 0.65% | $263 |
| 60 months | 0.75% | $381 |
Sources (1)
- southcoastcu.org/save/savings-rates · captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 3.82%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.04% | $304 |
| 24 months | 3.56% | $725 |
| 36 months | 3.82% | $1,190 |
| 48 months | 0.65% | $263 |
| 60 months | 0.75% | $381 |
Sources (1)
- southcoastcu.org/save/savings-rates · captured Sep 18, 2026
Who can join Southcoast Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible to join if you are a voting member of the Community Economic Development Center (CEDC) of Southeastern Massachusetts.
- Eligible to join if you are an employee of the hospital.
- Eligible to join if you are a volunteer of the hospital.
- Eligible to join if you are a medical staff member of the hospital or an employee of a medical staff member.
Family and household
- Eligible to join if you are an immediate family member of a current Southcoast FCU member.
Cost to join
- Membership is established by opening a Regular Savings Account with a $25 balance.
Membership information collected October 5, 2026.