Massachusetts

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You are viewing rates from credit unions across Leominster





Below are 5 year CD Rates from credit unions that are located in Leominster, Massachusetts. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Leominster, MA - August 2, 2025

5 Year CD National Average : 0.92% ?

Credit Unions APY MIN MILES ?

Rate History: 4.20% → 3.85%

Rate History: 1.75% → 2.75% → 3.75%

Rate History: 2.20% → 2.00% → 1.95% → 1.90% → 3.60%

Rate History: 2.79% → 3.30% → 3.72% → 3.65% → 3.50%

| May 4, 2016

Refi, no cash out, no second Read More

Rate History: 2.85% → 3.85% → 2.85%

Rate History: 4.50% → 4.34% → 4.08% → 3.30% → 1.97%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

1.25%

$10,000

19.22

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| Apr 19, 2018

Do not get your car insurance through GFA, or more precisely, their affiliates. They got my billing address wrong when I got the policy and canceled it without a phone call. Admittedly, I gave them my ju... Read More

1.20%

$10,000

13.56

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1.15%

$100,000

17.09

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Rtn

Rtn Branch
Restrictions

1.10%

$100,000

17.73

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1.06%

$100,000

13.17

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1.05%

$10,000

24.40

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1.05%

$10,000

21.11

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1.05%

$10,000

15.18

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Rtn

Rtn Branch
Restrictions

1.04%

$10,000

17.73

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1.01%

$10,000

13.17

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1.00%

$10,000

17.32

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1.00%

$10,000

17.09

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0.90%

$10,000

15.34

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0.70%

$10,000

17.42

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0.60%

$500

8.72

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0.60%

$10,000

24.88

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0.60%

$10,000

22.50

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Edu


Restrictions

0.40%

$500

-

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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 Leominster, MA - August 2, 2025


Branch Street City State
METRO
Framingham Framingham Branch
1124 Worcester Rd Framingham MA
HANSCOM
Devens Devens Branch
24 Andrews Pkwy Devens MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
DIGITAL
Worcester Gold Star Worcester Gold Star Branch
131 Gold Star Blvd Worcester MA
DIGITAL
Worcester Gold Star Worcester Gold Star Branch
131 Gold Star Blvd Worcester MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
969 Concord Street Framingham MA
JEANNE D'ARC
Tyngsboro Tyngsboro Branch
150 Westford Rd Tyngsboro MA
GFA
Gfa Gfa Branch
185 Central St Winchendon MA
ALL ONE
Wachusett Regional High School Wachusett Regional High School Branch
1401 Main St Holden MA
ALLCOM
Allcom Credit Union Allcom Credit Union Branch
36 Park Ave Worcester MA
RTN
Rtn Rtn Branch
451 Boston Post Road East Marlborough MA
WORKERS
Gardner Gardner Branch
171 Main St Gardner MA
SOUTHBRIDGE
Auburn Auburn Branch
732 Southbridge St Auburn MA
CENTRAL ONE
Auburn Auburn Branch
63 Southbridge St Auburn MA
LIBERTY BAY
Liberty Bay Credit Union Liberty Bay Credit Union Branch
300 Granite St Fl 3 Braintree MA
RTN
Rtn Rtn Branch
451 Boston Post Road East Marlborough MA
WORKERS
Gardner Gardner Branch
171 Main St Gardner MA
SHREWSBURY
Shrewsbury Federal Credit Union Shrewsbury Federal Credit Union Branch
489 BOSTON TPKE SHREWSBURY MA
ALLCOM
Allcom Credit Union Allcom Credit Union Branch
36 Park Ave Worcester MA
ST. MARY'S
St. Mary's St. Mary's Branch
100 West Main Street Northborough MA
HOMEFIELD
Grafton Suburban Grafton Suburban Branch
43 Main Street South Grafton MA
UMASSFIVE COLLEGE
Umassfive College Umassfive College Branch
5 Lake Avenue North, Room S1-820 Worcester MA
I-C
Westminster Westminster Branch
71 Main St Westminster MA
WEBSTER FIRST
Webster First Webster First Branch
118 West Main Street Spencer MA
MILLBURY
Millbury Millbury Branch
56 Auburn Street Auburn 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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