Massachusetts

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Credit Union CD Rates – 4-Year – Waltham, Massachusetts

You are viewing rates from credit unions across Waltham

 

Below are four year CD Rates from credit unions in Waltham, Massachusetts. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

Waltham, MA - July 5, 2025

4 Year CD National Average : 0.82% ?

Credit Unions APY MIN MILES ?

4.05%

4.00%

$100,000

$250

6.01

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Rate History: 3.09% → 4.02%

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 3.40% → 4.00%

Rate History: 4.20% → 3.85%

Rate History: 1.50% → 2.50% → 3.50% → 3.25% → 3.75%

| Jan 19, 2023

They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More

Rate History: 3.05% → 3.35% → 3.77% → 3.70% → 3.50%

| May 4, 2016

Refi, no cash out, no second Read More

Rate History: 2.10% → 2.00% → 1.90% → 1.85% → 3.40%

Rate History: 2.65% → 3.00%

| Sep 15, 2021

The rates posted here is not the same. Check the credit union's web site for actual rates Read More

1.51%

$10,000

12.59

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| Jun 8, 2021

Call first. Rate is different Read More

1.40%

$50,000

8.70

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1.31%

$10,000

16.34

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1.30%

$500

8.70

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| Jun 8, 2021

Call first. Rate is different Read More

1.26%

$10,000

18.13

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1.25%

$10,000

7.66

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1.25%

$10,000

21.01

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1.20%

$10,000

10.20

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1.19%

$10,000

13.76

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1.10%

$10,000

12.30

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Rtn

Rtn Branch
Restrictions

1.04%

$100,000

14.79

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Rtn

Rtn Branch
Restrictions

1.00%

$10,000

14.79

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1.00%

$10,000

7.66

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1.00%

$10,000

6.33

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1.00%

$10,000

16.20

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0.95%

$100,000

23.91

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0.90%

$10,000

23.91

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0.90%

$10,000

20.33

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0.75%

$10,000

14.90

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0.70%

$10,000

21.74

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0.65%

$10,000

7.66

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0.65%

$10,000

7.17

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0.61%

$10,000

7.66

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0.55%

$10,000

7.66

Learn More

0.55%

$10,000

7.66

Learn More

I-c

I-c Branch
Restrictions

0.50%

$500

22.35

Learn More
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Waltham, MA - July 5, 2025


Branch Street City State
DIRECT
Main Branch Main Branch
50 Cabot St Needham MA
AMERICAN AIRLINES
American Airlines American Airlines Branch
Logan International Airport, 1 Harborside Drive, R East Boston MA
US Alliance
Usalliance Usalliance Branch
159 Overland Rd Waltham MA
DIRECT
Main Branch Main Branch
50 Cabot St Needham MA
METRO
Framingham Framingham Branch
1124 Worcester Rd Framingham MA
HANSCOM
Hanscom Hanscom Branch
JFK Federal Building Room E-245, Govenment Center Boston MA
TRANSPORTATION
Kendall Square Branch Kendall Square Branch
55 Broadway Cambridge MA
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
MASS BAY
Mass Bay Mass Bay Branch
85 Revere Beach Parkway Medford MA
AMERICAN AIRLINES
American Airlines American Airlines Branch
Logan International Airport, 1 Harborside Drive, R East Boston MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
969 Concord Street Framingham MA
BOSTON FIREFIGHTERS
Boston Firefighters Boston Firefighters Branch
60 Hallet Street Dorchester MA
METROWEST COMMUNITY
Main Office Main Office Branch
200 Concord St Framingham MA
CITY OF BOSTON
City Of Boston City Of Boston Branch
77 SPRING STREET WEST ROXBURY MA
QUINCY
Quincy Quincy Branch
100 Quincy Avenue Quincy MA
CITY OF BOSTON
City Of Boston City Of Boston Branch
77 SPRING STREET WEST ROXBURY MA
METROWEST COMMUNITY
Main Office Main Office Branch
200 Concord St Framingham MA
NESC
Andover Irs Branch Andover Irs Branch
310 LOWELL ST ANDOVER MA
TREMONT
Tremont Tremont Branch
180Mt. Vernon St. Dorchester MA
JEANNE D'ARC
Tyngsboro Tyngsboro Branch
150 Westford Rd Tyngsboro MA
FIRST PRIORITY
Boston Branch Boston Branch
25 DORCHESTER AVE BOSTON MA
MEMBERS PLUS
Norwwod Norwwod Branch
111 LENOX ST STE 111 NORWOOD MA
UKRAINIAN
Ukrainian Ukrainian Branch
282 Providence Hwy Westwood MA
RTN
Rtn Rtn Branch
451 Boston Post Road East Marlborough MA
RTN
Rtn Rtn Branch
451 Boston Post Road East Marlborough MA
LIBERTY BAY
Liberty Bay Liberty Bay Branch
99E Main Street, Redstone Plaza Stoneham MA
COMMUNITY CREDIT UNION OF LYNN
Somerville Somerville Branch
377 Summer St Somerville MA
ROCKLAND
Rockland Rockland Branch
657 Main St Walpole MA
WORKERS
Workers' Workers' Branch
308 Main Street Groton MA
WORKERS
Workers' Workers' Branch
308 Main Street Groton MA
ST. MARY'S
St. Mary's Credit Union St. Mary's Credit Union Branch
96 Turnpike Rd Westborough MA
RIVER WORKS
River Works River Works Branch
947 Western Ave. Lynn MA
SHARON & CRESCENT UNITED
Foxboro Branch Foxboro Branch
121 Main St Foxboro MA
UMASSFIVE COLLEGE
Umassfive College Umassfive College Branch
318 Campus Center Way, 318 Student Union Building Amherst MA
NAVEO
Cambridge Portuguese Cambridge Portuguese Branch
493 Somerville Avenue Somerville MA
HOLYOKE
Holyoke Holyoke Branch
4 Washington Avenue Ext. Agawam MA
WEBSTER FIRST
Webster First Webster First Branch
Route 20 Trolley Crossing Charlton MA
MILLBURY
Millbury Millbury Branch
Webster Square Plaza, 68 Stafford Street Worcester MA
I-C
I-c I-c Branch
72 Park Street Ayer MA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

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