Arise Financial CD & Share Certificate Rates — October 2026
As of October 22, 2026, Arise Financial's highest tracked CD (share certificate) rate is 4.75% APY on a 36-month CD ($500 minimum). That is 3.4 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 2.00% to 4.75% APY.
Tracking began .
Arise Financial CD & share certificate rates
Arise Financial is the new name of Rockland Federal Credit Union. Membership required; personal accounts only, with a $500 minimum deposit. Includes standard and no-penalty certificates. Dividends compound monthly; early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Arise Financial's best CD rates by term?
Arise Financial's best rate is 4.75% APY on 36 months, verified October 22, 2026.
- 91 days3.50%
- 5 mo3.50%
- 6 mo3.75%
- 7 mo2.00%
- 9 mo4.00%
- 10 mo3.85%
- 11 mo2.00%
- 12 mo4.15%
- 14 mo4.10%
- 15 mo4.10%
- 17 mo3.85%
- 18 mo4.25%
- 20 mo2.00%
- 24 mo4.50%
- 36 mo4.75%
- 48 mo3.00%
- 60 mo3.00%
How much interest could a Arise Financial CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,493.76 interest · $11,493.76 at maturity on $10,000.00.
4.75% APY · 36 months · Share Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $43.073.50% APY · Share Certificate · Standard | $86.143.50% APY · Share Certificate · Standard | $215.343.50% APY · Share Certificate · Standard | $430.683.50% APY · Share Certificate · Standard |
| 5 months | $72.153.50% APY · Share Certificate · Standard | $144.293.50% APY · Share Certificate · Standard | $360.733.50% APY · Share Certificate · Standard | $721.463.50% APY · Share Certificate · Standard |
| 6 months | $93.143.75% APY · Share Certificate · Standard | $186.293.75% APY · Share Certificate · Standard | $465.723.75% APY · Share Certificate · Standard | $931.443.75% APY · Share Certificate · Standard |
| 7 months | $58.122.00% APY · Share Certificate · Standard | $116.232.00% APY · Share Certificate · Standard | $290.582.00% APY · Share Certificate · Standard | $581.152.00% APY · Share Certificate · Standard |
| 9 months | $149.404.00% APY · Share Certificate · Standard | $298.804.00% APY · Share Certificate · Standard | $747.004.00% APY · Share Certificate · Standard | $1,494.014.00% APY · Share Certificate · Standard |
| 10 months | $159.823.85% APY · Share Certificate · Standard | $319.643.85% APY · Share Certificate · Standard | $799.103.85% APY · Share Certificate · Standard | $1,598.213.85% APY · Share Certificate · Standard |
| 11 months | $91.712.00% APY · Share Certificate · Standard | $183.412.00% APY · Share Certificate · Standard | $458.532.00% APY · Share Certificate · Standard | $917.062.00% APY · Share Certificate · Standard |
| 12 months | $207.504.15% APY · Share Certificate · Standard | $415.004.15% APY · Share Certificate · Standard | $1,037.504.15% APY · Share Certificate · Standard | $2,075.004.15% APY · Share Certificate · Standard |
| 14 months | $240.074.10% APY · Share Certificate · Standard | $480.144.10% APY · Share Certificate · Standard | $1,200.354.10% APY · Share Certificate · Standard | $2,400.714.10% APY · Share Certificate · Standard |
| 15 months | $257.414.10% APY · Share Certificate · Standard | $514.814.10% APY · Share Certificate · Standard | $1,287.034.10% APY · Share Certificate · Standard | $2,574.054.10% APY · Share Certificate · Standard |
| 17 months | $274.833.85% APY · Share Certificate · Standard | $549.673.85% APY · Share Certificate · Standard | $1,374.173.85% APY · Share Certificate · Standard | $2,748.343.85% APY · Share Certificate · Standard |
| 18 months | $322.424.25% APY · Share Certificate · Standard | $644.834.25% APY · Share Certificate · Standard | $1,612.084.25% APY · Share Certificate · Standard | $3,224.174.25% APY · Share Certificate · Standard |
| 20 months | $167.682.00% APY · Share Certificate · Standard | $335.362.00% APY · Share Certificate · Standard | $838.412.00% APY · Share Certificate · Standard | $1,676.822.00% APY · Share Certificate · Standard |
| 24 months | $460.124.50% APY · Share Certificate · Standard | $920.254.50% APY · Share Certificate · Standard | $2,300.624.50% APY · Share Certificate · Standard | $4,601.254.50% APY · Share Certificate · Standard |
| 36 months | $746.884.75% APY · Share Certificate · Standard | $1,493.764.75% APY · Share Certificate · Standard | $3,734.404.75% APY · Share Certificate · Standard | $7,468.804.75% APY · Share Certificate · Standard |
| 48 months | $627.543.00% APY · Share Certificate · Standard | $1,255.093.00% APY · Share Certificate · Standard | $3,137.723.00% APY · Share Certificate · Standard | $6,275.443.00% APY · Share Certificate · Standard |
| 60 months | $796.373.00% APY · Share Certificate · Standard | $1,592.743.00% APY · Share Certificate · Standard | $3,981.853.00% APY · Share Certificate · Standard | $7,963.703.00% APY · Share Certificate · Standard |
How Arise Financial compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1095-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 5 of 211 tracked institutions with fresh 1095-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Arise Financial (this institution)Share Certificate · Standard | 36 months | $500 | Coverage: MA | 4.75% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 36 months | $10,000 | Nationwide; check eligibility | 4.85% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 36 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 36 months | $2,500 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)36-Month Term Account · Standard | 36 months | $100 | Coverage: NY | 4.90% | October 22, 2026 |
| Treasury (APY-equivalent) | 36 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.95% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Arise Financial on October 22, 2026.
About Arise Financial
- Legal name
- Rockland Federal Credit Union
- Regulator ID
- NCUA 24224
- Headquarters
- Rockland, MA
- Available in
- MA
- Total assets
- $3.8 billion
- Also known as
- Rockland Federal Credit Union, Rockland FCU, Arise Federal Credit Union
- Website
- www.rfcu.com
Source: rates read from https://www.rfcu.com/resources/information/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Arise Financial?
Among the rates we track, 4.75% APY on a 36-month CD, as of October 22, 2026.
What is the minimum deposit for a Arise Financial CD?
The lowest minimum we found is $500.
How does Arise Financial's best CD rate compare with Treasury yields?
4.75% APY is −0.20% versus the 36-month Treasury yield of 4.95% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.75% a good CD rate?
It is 3.4 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Arise Financial CDs insured?
Arise Financial is a federally insured credit union (NCUA 24224). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Arise Financial?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Arise Financial's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Arise Financial's website and may change at any time. Confirm terms, minimums and eligibility with Arise Financial before opening an account. This page is not financial advice.