Credit union · NCUA insured
St. Jean's Credit Union CD Rates
Top CarrotSt. Jean's Credit Union’s best CD rate is 4.50% APY on a 13-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How St. Jean's Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where St. Jean's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Jean's Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
Term 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
St. Jean's Credit Union CD score
91
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.20%
- QualifiedQualified4.50%
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 St. Jean's 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 4.50%APY · 9 terms
$500 minimum deposit. Fixed rates. Terms from 3 to 36 months. No monthly fee. Early withdrawal penalties may apply. Rates accurate as of 10/06/2026 for specials and 09/01/2026 for standard terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum deposit to open and earn interest $500. Early withdrawal penalty applies | 1.95% | $48 |
| 5 months5 Month CD SPECIAL. APY assumes funds remain on deposit for 1 year and roll over to the 6 month rate at maturity. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies | 4.25% | $175 |
| 6 monthsMinimum deposit to open and earn interest $500. Early withdrawal penalty applies | 2.00% | $100 |
| 9 monthsMinimum deposit to open and earn interest $500. Early withdrawal penalty applies | 2.15% | $161 |
| 12 monthsMinimum deposit to open and earn interest $500. Early withdrawal penalty applies | 2.80% | $280 |
| 13 months13 Month CD SPECIAL. Rolls over to 1 year CD at maturity. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies | 4.50% | $488 |
| 18 monthsMinimum deposit to open and earn interest $500. Early withdrawal penalty applies | 2.95% | $446 |
| 24 monthsMinimum deposit to open and earn interest $500. Early withdrawal penalty applies | 3.10% | $630 |
| 36 monthsMinimum deposit to open and earn interest $500. Early withdrawal penalty applies | 3.20% | $991 |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
Term Certificate IRA
Up to 4.50%APY · 5 terms
$500 minimum deposit for Term Certificate IRA. Traditional, Roth and Coverdell available. No monthly service charge. Early withdrawal penalties may apply. Rates accurate as of 10/06/2026 for specials and 09/01/2026 for standard terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year IRA. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies | 2.90% | $290 |
| 13 months13 Month IRA SPECIAL. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies | 4.50% | $488 |
| 18 months18 Month IRA. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies | 3.05% | $461 |
| 24 months2 Year IRA. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies | 3.20% | $650 |
| 36 months3 Year IRA. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies | 3.45% | $1,071 |
Sources (2)
All captured Oct 9, 2026
Who can join St. Jean's 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 or work in Essex, Middlesex, or Suffolk Counties of the Commonwealth of Massachusetts are eligible to join.
Employers and groups
- Employees of H.P. Hood are eligible for membership.
Military, government and schools
- Retirees of the City of Revere and the Town of Winthrop, Massachusetts are eligible to join.
Family and household
- Immediate family members, defined as spouse, son, daughter, mother, father, sister, or brother, are eligible for membership.
Cost to join
- Membership requires opening a Primary Share Account with an initial deposit of at least $25.00 representing the member's share.
Membership information collected October 5, 2026.