Credit union · NCUA insured
St. Mary's Credit Union CD Rates
St. Mary's Credit Union’s best CD rate is 3.95% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How St. Mary's Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where St. Mary's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Mary's Credit Union
4.20%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $637
Relationship Certificates
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,494
St. Mary's Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.20%
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. Mary'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.
Relationship Certificates
Up to 4.20%APY · 10 terms
Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY | 3.50% | $86 |
| 6 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY | 3.75% | $186 |
| 9 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY | 3.85% | $287 |
| 12 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY | 3.95% | $395 |
| 15 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 4.10% | $515 |
| 18 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 4.20% | $637 |
| 24 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.45% | $702 |
| 36 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.25% | $1,007 |
| 48 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.25% | $1,365 |
| 60 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.25% | $1,734 |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Relationship Jumbo Certificates
Up to 4.20%APY · 10 terms
Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Jumbo Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires maintaining all requirements of Relationship Checking account | 3.50% | — |
| 6 monthsRequires maintaining all requirements of Relationship Checking account | 3.75% | — |
| 9 monthsRequires maintaining all requirements of Relationship Checking account | 3.85% | — |
| 12 monthsRequires maintaining all requirements of Relationship Checking account | 3.95% | — |
| 15 monthsRequires maintaining all requirements of Relationship Checking account | 4.10% | — |
| 18 monthsRequires maintaining all requirements of Relationship Checking account | 4.20% | — |
| 24 monthsRequires maintaining all requirements of Relationship Checking account | 3.70% | — |
| 36 monthsRequires maintaining all requirements of Relationship Checking account | 3.50% | — |
| 48 monthsRequires maintaining all requirements of Relationship Checking account | 3.50% | — |
| 60 monthsRequires maintaining all requirements of Relationship Checking account | 3.50% | — |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Certificates
Up to 3.95%APY · 10 terms
St. Mary's Credit Union membership eligibility required. No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.35% | $83 |
| 6 months | 3.60% | $178 |
| 9 months | 3.70% | $276 |
| 12 months | 3.80% | $380 |
| 15 months | 3.85% | $484 |
| 18 months | 3.95% | $598 |
| 24 months | 3.20% | $650 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
All captured Oct 15, 2026
Jumbo Certificates
Up to 3.95%APY · 10 terms
St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.35% | — |
| 6 months | 3.60% | — |
| 9 months | 3.70% | — |
| 12 months | 3.80% | — |
| 15 months | 3.85% | — |
| 18 months | 3.95% | — |
| 24 months | 3.45% | — |
| 36 months | 3.25% | — |
| 48 months | 3.25% | — |
| 60 months | 3.25% | — |
Sources (2)
All captured Oct 15, 2026
Relationship Bump-Up Certificates
2.75%APY · 1 term
Consumer accounts only. St. Mary's Credit Union membership eligibility required. Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. One bump-up in rate is allowed per 30-Month term (must request the bump-up). 30 month bump-up Certificate automatically renews to a 30 month Certificate. Subject to early withdrawal penalties. Deposits cannot be made during the term of the account.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 30 monthsRequires maintaining all requirements of Relationship Checking account. One bump-up in rate allowed per 30-Month term upon request | 2.75% | 2.75% | 2.75%2.75% from $100k | $702 |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Bump-Up Certificates
2.50%APY · 1 term
Consumer accounts only. St. Mary's Credit Union membership eligibility required. One bump-up in rate is allowed per 30-Month term. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 30 monthsOne bump-up in rate allowed per 30-Month term | 2.50% | 2.50% | 2.50%2.50% from $100k | $637 |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Special-purpose accounts
Relationship Individual Retirement Accounts (Relationship IRA Certificates)
Up to 4.20%APY · 9 terms
Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship IRA rates. St. Mary's Credit Union membership eligibility required. 3 month term is not available for IRAs. Annual contribution limits may apply. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY | 3.75% | $186 |
| 9 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY | 3.85% | $287 |
| 12 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY | 3.95% | $395 |
| 15 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 4.10% | $515 |
| 18 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 4.20% | $637 |
| 24 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.45% | $702 |
| 36 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.25% | $1,007 |
| 48 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.25% | $1,365 |
| 60 monthsRequires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY | 3.25% | $1,734 |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Relationship Jumbo Individual Retirement Accounts (Relationship Jumbo IRA Certificates)
Up to 4.20%APY · 9 terms
Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Jumbo IRA rates. St. Mary's Credit Union membership eligibility required. 3 month term is not available for IRAs. Annual contribution limits may apply. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires maintaining all requirements of Relationship Checking account | 3.75% | — |
| 9 monthsRequires maintaining all requirements of Relationship Checking account | 3.85% | — |
| 12 monthsRequires maintaining all requirements of Relationship Checking account | 3.95% | — |
| 15 monthsRequires maintaining all requirements of Relationship Checking account | 4.10% | — |
| 18 monthsRequires maintaining all requirements of Relationship Checking account | 4.20% | — |
| 24 monthsRequires maintaining all requirements of Relationship Checking account | 3.70% | — |
| 36 monthsRequires maintaining all requirements of Relationship Checking account | 3.50% | — |
| 48 monthsRequires maintaining all requirements of Relationship Checking account | 3.50% | — |
| 60 monthsRequires maintaining all requirements of Relationship Checking account | 3.50% | — |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Individual Retirement Accounts (IRA Certificates)
Up to 3.95%APY · 9 terms
St. Mary's Credit Union membership eligibility required. Annual contribution limits may apply. 3 month term is not available for IRAs. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 9 months | 3.70% | $276 |
| 12 months | 3.80% | $380 |
| 15 months | 3.85% | $484 |
| 18 months | 3.95% | $598 |
| 24 months | 3.20% | $650 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Jumbo Individual Retirement Accounts (Jumbo IRA Certificates)
Up to 3.95%APY · 9 terms
St. Mary's Credit Union membership eligibility required. 3 month term is not available for IRAs. Annual contribution limits may apply. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | — |
| 9 months | 3.70% | — |
| 12 months | 3.80% | — |
| 15 months | 3.85% | — |
| 18 months | 3.95% | — |
| 24 months | 3.45% | — |
| 36 months | 3.25% | — |
| 48 months | 3.25% | — |
| 60 months | 3.25% | — |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Relationship Bump-Up Individual Retirement Accounts (Relationship Bump-Up IRA Certificates)
2.75%APY · 1 term
Consumer accounts only. St. Mary's Credit Union membership eligibility required. Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship IRA rates. One bump-up in rate is allowed per 30-Month term (must request the bump-up). 30 month bump-up IRA automatically renews to a 30 month IRA. Annual contribution limits may apply. Subject to early withdrawal penalties and potential tax penalties. Deposits cannot be made during the term of the account.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 30 monthsJumbo IRA tier. Requires maintaining all requirements of Relationship Checking account. One bump-up in rate allowed per 30-Month term upon request | — | 2.75% | —2.75% from $100k | — |
| 30 monthsRequires maintaining all requirements of Relationship Checking account. One bump-up in rate allowed per 30-Month term upon request | 2.75% | — | 2.75% | $702 |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Bump-Up Individual Retirement Accounts (Bump-Up IRA Certificates)
2.50%APY · 1 term
Consumer accounts only. St. Mary's Credit Union membership eligibility required. One bump-up in rate is allowed per 30-Month term. Annual contribution limits may apply. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 30 monthsJumbo IRA tier. One bump-up in rate allowed per 30-Month term | — | 2.50% | —2.50% from $100k | — |
| 30 monthsOne bump-up in rate allowed per 30-Month term | 2.50% | — | 2.50% | $637 |
Sources (1)
- stmaryscu.org/services/tools/rates.html · captured Oct 15, 2026
Who can join St. Mary'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
- Membership is open to individuals who live, work, or attend school in Middlesex, Worcester, Norfolk, or Suffolk County.
Family and household
- Membership is open to relatives of existing members regardless of where they live, including father, mother, son, daughter, brother, sister, husband, wife, grandfather, grandmother, grandchild, in-laws, step-relatives, and half-siblings.
Cost to join
- Opening any checking or savings account requires a deposit of $10.00.
Membership information collected October 5, 2026.