Credit union · NCUA insured
Workers Credit Union CD Rates
Top CarrotWorkers Credit Union’s best CD rate is 3.80% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How Workers Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Workers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Workers Credit Union
3.80%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $157
5-Month CD Special
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
Workers Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.80%
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 Workers 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.
5-Month CD Special
3.80%APY · 1 term
Workers Federal Credit Union membership required ($5 minimum balance). Automatically renews at maturity into a 6-month regular term certificate or IRA unless written notice is received 30 days prior to maturity or during grace period. Simple interest paid at maturity. Substantial penalty for early withdrawal. Additional deposits cannot be made during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsSimple interest paid at maturity. Automatically renews at maturity into a 6-month regular term certificate or IRA | 3.80% | $157 |
Certificates of Deposit (CDs)
Up to 3.75%APY · 6 terms
Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.
| Term | APY · $500 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTier 1 ($500–$24,999.99). Simple interest paid at maturity | 3.50% | — | 3.50% | $173 |
| 6 monthsTier 2 ($25,000 or more). Simple interest paid at maturity | — | 3.50% | —3.50% from $25k | — |
| 12 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly | 3.50% | — | 3.50% | $350 |
| 12 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly | — | 3.50% | —3.50% from $25k | — |
| 18 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly | 3.50% | — | 3.50% | $530 |
| 18 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly | — | 3.50% | —3.50% from $25k | — |
| 24 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly | 3.50% | — | 3.50% | $712 |
| 24 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly | — | 3.50% | —3.50% from $25k | — |
| 36 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly | 3.75% | — | 3.75% | $1,168 |
| 36 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly | — | 3.75% | —3.75% from $25k | — |
| 60 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly | 3.75% | — | 3.75% | $2,021 |
| 60 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly | — | 3.75% | —3.75% from $25k | — |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
5-Month IRA CD Special
3.80%APY · 1 term
Workers Federal Credit Union membership required ($5 minimum balance). Traditional IRA tax-deferred growth. Minimum balance to open an IRA Certificate is $1,000. Automatically renews at maturity into a 6-month regular term certificate or IRA unless written notice is received 30 days prior to maturity or during grace period. Early withdrawal penalties and taxes may apply. Annual contribution limits apply. Rollover fees apply. Simple interest paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsSimple interest paid at maturity. Automatically renews at maturity into a 6-month regular term certificate or IRA. $1,000 minimum balance to open IRA Certificate | 3.80% | $157 |
Sources (3)
All captured Sep 18, 2026
IRA Certificates of Deposit (CDs)
Up to 3.75%APY · 6 terms
Workers Federal Credit Union membership required ($5 minimum balance). Traditional IRA tax-deferred growth. Minimum balance to open an IRA Certificate is $1,000. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Substantial early withdrawal penalties, early withdrawal taxes, and contribution limits may apply. Rollover fees apply.
| Term | APY · $500 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTier 1 ($500–$24,999.99). Simple interest paid at maturity. $1,000 minimum balance to open IRA Certificate | 3.50% | — | 3.50% | $173 |
| 6 monthsTier 2 ($25,000 or more). Simple interest paid at maturity. $1,000 minimum balance to open IRA Certificate | — | 3.50% | —3.50% from $25k | — |
| 12 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | 3.50% | — | 3.50% | $350 |
| 12 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | — | 3.50% | —3.50% from $25k | — |
| 18 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | 3.50% | — | 3.50% | $530 |
| 18 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | — | 3.50% | —3.50% from $25k | — |
| 24 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | 3.50% | — | 3.50% | $712 |
| 24 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | — | 3.50% | —3.50% from $25k | — |
| 36 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | 3.75% | — | 3.75% | $1,168 |
| 36 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | — | 3.75% | —3.75% from $25k | — |
| 60 monthsTier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | 3.75% | — | 3.75% | $2,021 |
| 60 monthsTier 2 ($25,000 or more). Dividends compounded daily and paid monthly. $1,000 minimum balance to open IRA Certificate | — | 3.75% | —3.75% from $25k | — |
Who can join Workers Credit Union
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