bank rates

National Deal: Top CD Rates In 4 Terms

USAlliance Federal Credit Union offers top 24-, 36-, 48- and 60-month CD rates with a $500 minimum deposit.USAlliance Federal Credit Union’s 40,000 members have their choice of top CD rates.

With a $500 minimum deposit, it’s paying:

  • 1.51% APY for 24-month CDs.
  • 1.92% APY for 36-month CDs.
  • 2.12% APY for 48-month CDs.
  • 2.28% APY for 60-month CDs.

While all beat the best nationally available CD rates for their corresponding terms on our CD Rates Leaderboard, the 36-month CD rate does so by more than a quarter of a percentage point.

But you have to be a member of USAlliance Federal Credit Union ( to buy these certificates of deposit.

Originally a credit union for IBM employees, membership is now available to people who live, work or worship in the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk and Worcester; members’ family members; and hundreds of employee groups, which aren’t listed on the website and require a phone call to member services.

If you don’t meet any of those requirements, you can also join by becoming a member of the Rye Arts Center or the Council of Community Services Port Chester, Rye Brook and Rye Town in New York.

Annual membership in the arts center is $40; the Council of Community Services charges a $25 annual fee.

Credit union membership requires a $5 deposit in a savings account.

Members can buy CDs over the phone or in person.

USAlliance Federal Credit Union has branches in Cambridge, Danvers, Malden and Medford, Mass.; in New York City and in Hartsdale, Rye and Tarrytown, N.Y. (There are also two restricted-access branches in Jersey City, N.J., and New York City.)

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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Comments (1)
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One Existing Comment
  1. vinny said:
    on November 29th at 09:59 am

    How do you prove where you worship? What if you just go to a park and meditate for a few minutes, or just do it in your car when you drive through town? And how often do you have to do it? Once a year OK?