Credit union · NCUA insured
Worcester Credit Union CD Rates
Worcester Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Worcester Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Worcester Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Worcester Credit Union
4.05%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $302
Share Certificates
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Worcester Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.05%
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 Worcester 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 4.25%APY · 8 terms
Membership required. $500 minimum to open and earn APY unless stated otherwise. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Share Certificates greater than 12 months have interest paid annually and/or maturity; under 12 months interest is paid at maturity.
| Term | APY · Over $0 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 0.10% | 0.10% | $5 |
| 7 months | — | 3.76% | 3.76% | $218 |
| 9 months | — | 4.05% | 4.05% | $302 |
| 12 months | — | 0.20% | 0.20% | $20 |
| 24 months | — | 3.30% | 3.30% | $671 |
| 24 monthsSave For Success 24-Month Hybrid Share Certificate requires $25 to open, allows for transfers in of up to $1,000 per month. Maximum opening deposit is $1,000. Worcester Credit Union checking account required for transfers in. Automatic transfers set up at account opening and can be adjusted during the term. Minimum balance $0.01 to earn stated APY | 4.25% | — | 4.25% | $868 |
| 36 months | — | 3.00% | 3.00% | $927 |
| 48 months | — | 3.00% | 3.00% | $1,255 |
| 60 months | — | 3.00% | 3.00% | $1,593 |
Sources (2)
- worcestercu.com/services-tools/tools/rates.html
- worcestercu.com/bank/personal-…ates-of-deposit-cds.html
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.05%APY · 7 terms
$500 minimum to open and earn APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Membership required. Traditional and Roth options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 3.76% | $218 |
| 9 months | 4.05% | $302 |
| 12 months | 0.20% | $20 |
| 24 months | 3.30% | $671 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
- worcestercu.com/bank/personal-…ement-accounts-iras.html
- worcestercu.com/services-tools/tools/rates.html
All captured Oct 15, 2026
Who can join Worcester 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, work, or attend any school in Worcester County are eligible for membership.
Military, government and schools
- Federal, State, or Municipal employees who work anywhere in Worcester County are eligible for membership.
- Elected or appointed officials of a Federal, State, or Municipal government organization or agency, club, or non-profit in Worcester County are eligible for membership.
- Individuals retired from qualifying government, school, elected, or appointed positions in Worcester County are eligible for membership.
- Employees of a private or regional school system anywhere in Worcester County are eligible for membership.
Family and household
- Family members of a Worcester Credit Union member, including parents, spouse, siblings, and children, are eligible for membership.
1 more way to join
Other ways
- Organizations in Worcester County, including businesses and government organizations or agencies, are eligible for membership.
Membership information collected October 5, 2026.