Here’s why you might want to invest in Certificates of Deposit:

  • Want choices? Invest your money for as little as three months or as much as five years.
  • Want perks? Get higher returns if you qualify for Member Relationship Rates.*
  • Want growth? Dividends are compounded daily and paid monthly for CD
    terms of one year or more.
  • Want more? Deposits of $25,000 or more qualify for higher interest rates.
  • Not there yet? You can open a CD account for as little as $500.

High Returns Without the Roller-Coaster Ride

Markets are way up one day. Way down the next. And what caused that seismic shift in stock prices? The plummeting price of platinum? An election in a country the size of Nantucket? It might be entertaining, like a reality TV show, except this is your money at stake. If you’d prefer a safe investment with guaranteed returns, try our high-yield Certificates of Deposit. You choose the terms and we promise you’ll get all the ups and none of the downs.

To open a Certificate of Deposit (CD), you must have a Workers’ membership savings account.

 Tier 1
$500 - $24,999.99
Tier II
$25,000 or more
CD TermRateAPY*RateAPY*
3-Month4,60.20%0.20%0.25%0.25%Open a New Account
6-Month40.25%0.25%0.30%0.30%Open a New Account
12-Month10.30%0.30%0.35%0.35%Open a New Account
18-Month10.35%0.35%0.40%0.40%Open a New Account
24-Month10.40%0.40%0.45%0.45%Open a New Account
36-Month10.50%0.50%0.55%0.55%Open a New Account
48-Month10.60%0.60%0.65%0.65%Open a New Account
60-Month10.70%0.70%0.75%0.75%Open a New Account

Convenient Locations

Workers Credit Union provides in-person banking services and financial coaching at locations in Worcester, Lowell, Fitchburg, Gardner, Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Athol, Hudson, and Orange, MA.

Open your Certificate of Deposit online or contact us with any questions.

Certificates of Deposit PAIRS WELL WITH...

Not ready to make the jump? Take a look at some of the other options, we’re sure you’ll find what you were looking for.

Auto Loans

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SaveUp Savings

Start saving big with just $5. The more you save, the more you earn!


  • Rates subject to change at any time without notice unless otherwise noted.
  • Offers may be withdrawn at any time.
  • Subject to membership eligibility.
  • Workers Federal Credit Union membership required.
  • Annual Percentage Yield (APY) and rates are effective as of July 31, 2021.

1 Interest compounded daily and paid monthly.
2 Substantial penalty for early withdrawal may apply.
3 APY assumes interest remains on deposit and any withdrawal will reduce earnings.
4 Simple interest paid at maturity.
5 Minimum balance is $500 to open CDs and $1,000 to open IRA Certificates.
6 Available only for CDs, not available for IRA Certificates.
7 Please refer to your CD account disclosure for more information.

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.