Credit union · NCUA insured
Winthrop Area Federal Credit Union CD Rates
Winthrop Area Federal Credit Union’s best CD rate is 4.28% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Winthrop Area Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Augusta, ME, where Winthrop Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Winthrop Area Federal Credit Union
4.28%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,331
Share Certificates
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
3rd-highest rate
Trademark Federal Credit Union
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $868
Winthrop Area Federal Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.97%
- 9–15 months9–15 mo4.13%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo4.28%
- QualifiedQualified4.28%
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 Winthrop Area 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.
Share Certificates
Up to 4.28%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.97% | $197 |
| 9 months | 4.02% | $300 |
| 12 months | 4.07% | $407 |
| 15 months | 4.13% | $519 |
| 18 months | 4.13% | $626 |
| 24 months | 4.13% | $843 |
| 36 months | 4.18% | $1,307 |
| 48 months | 4.23% | $1,802 |
| 60 months | 4.28% | $2,331 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.28%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.97% | $197 |
| 9 months | 4.02% | $300 |
| 12 months | 4.07% | $407 |
| 15 months | 4.13% | $519 |
| 18 months | 4.13% | $626 |
| 24 months | 4.13% | $843 |
| 36 months | 4.18% | $1,307 |
| 48 months | 4.23% | $1,802 |
| 60 months | 4.28% | $2,331 |
Sources (2)
All captured Oct 15, 2026
Who can join Winthrop Area Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.