Credit union · NCUA insured
Stoneham Municipal Employees Federal Credit Union CD Rates
Top CarrotStoneham Municipal Employees Federal Credit Union’s best CD rate is 4.20% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Stoneham Municipal Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Stoneham Municipal Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Stoneham Municipal Employees Federal Credit Union
4.20%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,284
Term Share 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
Stoneham Municipal Employees Federal Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.20%
- 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 Stoneham Municipal Employees 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.
Term Share Certificates
Up to 4.20%APY · 7 terms
Substantial penalties for early withdrawals may apply. If applicable, fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.95% | $196 |
| 12 months | 4.00% | $400 |
| 18 months | 4.00% | $606 |
| 24 months | 4.05% | $826 |
| 36 months | 4.10% | $1,281 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.20% | $2,284 |
Special-purpose accounts
IRA Certificate
Up to 4.20%APY · 2 terms
Includes Traditional Share Certificate IRAs and Roth IRAs. Substantial penalties for early withdrawals may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 4.10% | $1,281 |
| 60 months | 4.20% | $2,284 |
Youth Savings Certificates
Up to 4.10%APY · 5 terms
For members under 18 years old. Terms of 6 to 36 months are available. Rates same as standard Term Share Certificates. Early withdrawals subject to penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRate matches the 6 month Term Share Certificate rate | 3.95% | $196 |
| 12 monthsRate matches the 12 month Term Share Certificate rate | 4.00% | $400 |
| 18 monthsRate matches the 18 month Term Share Certificate rate | 4.00% | $606 |
| 24 monthsRate matches the 24 month Term Share Certificate rate | 4.05% | $826 |
| 36 monthsRate matches the 36 month Term Share Certificate rate | 4.10% | $1,281 |
Who can join Stoneham Municipal Employees 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
- Membership is available to individuals in the served communities of Stoneham, Wilmington, Melrose, Middleton, Reading, North Reading, and Wakefield.
Employers and groups
- Membership is available to employees of local businesses approved by the Board of Directors.
- Membership is available to members of the Friends of the Melrose Library.
- Membership is available to members of the Friends of the Stoneham Public Library.
- Membership is available to members of the Friends of Wilmington Memorial Library.
Military, government and schools
- Membership is available to students of the Stoneham Public School System.
Membership information collected October 5, 2026.