St. Anne's Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, St. Anne's Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on an 18-month CD ($1,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.05% to 4.00% APY.
Tracking began .
St. Anne's Credit Union CD & share certificate rates
Membership required. Certificates from 3 to 60 months with a $1,000 minimum deposit. IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 3 months | Certificates | 3.25%Top 38% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Certificates | 3.15%Top 62% · $10k reference sampleVerified October 22, 2026 |
| 9 months | Certificates | 3.05%Top 78% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Certificates | 3.75%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Certificates | 4.00%Top 34% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Certificates | 3.35%Top 59% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Certificates | 3.05%Top 58% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Certificates | 3.15%Top 50% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Certificates | 3.25%Top 52% · $10k reference sampleVerified October 22, 2026 |
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 St. Anne's Credit Union's best CD rates by term?
St. Anne's Credit Union's best rate is 4.00% APY on 18 months, verified October 22, 2026.
- 3 mo3.25%
- 6 mo3.15%
- 9 mo3.05%
- 12 mo3.75%
- 18 mo4.00%
- 24 mo3.35%
- 36 mo3.05%
- 48 mo3.15%
- 60 mo3.25%
How much interest could a St. Anne's Credit Union 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.
$606.53 interest · $10,606.53 at maturity on $10,000.00.
4.00% APY · 18 months · Certificates · 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 |
|---|---|---|---|---|
| 3 months | $40.033.25% APY · Certificates · Standard | $80.063.25% APY · Certificates · Standard | $200.143.25% APY · Certificates · Standard | $400.293.25% APY · Certificates · Standard |
| 6 months | $78.363.15% APY · Certificates · Standard | $156.713.15% APY · Certificates · Standard | $391.783.15% APY · Certificates · Standard | $783.553.15% APY · Certificates · Standard |
| 9 months | $114.053.05% APY · Certificates · Standard | $228.103.05% APY · Certificates · Standard | $570.253.05% APY · Certificates · Standard | $1,140.503.05% APY · Certificates · Standard |
| 12 months | $187.503.75% APY · Certificates · Standard | $375.003.75% APY · Certificates · Standard | $937.503.75% APY · Certificates · Standard | $1,875.003.75% APY · Certificates · Standard |
| 18 months | $303.274.00% APY · Certificates · Standard | $606.534.00% APY · Certificates · Standard | $1,516.334.00% APY · Certificates · Standard | $3,032.654.00% APY · Certificates · Standard |
| 24 months | $340.613.35% APY · Certificates · Standard | $681.223.35% APY · Certificates · Standard | $1,703.063.35% APY · Certificates · Standard | $3,406.113.35% APY · Certificates · Standard |
| 36 months | $471.603.05% APY · Certificates · Standard | $943.193.05% APY · Certificates · Standard | $2,357.983.05% APY · Certificates · Standard | $4,715.963.05% APY · Certificates · Standard |
| 48 months | $660.403.15% APY · Certificates · Standard | $1,320.803.15% APY · Certificates · Standard | $3,301.993.15% APY · Certificates · Standard | $6,603.983.15% APY · Certificates · Standard |
| 60 months | $867.063.25% APY · Certificates · Standard | $1,734.113.25% APY · Certificates · Standard | $4,335.283.25% APY · Certificates · Standard | $8,670.573.25% APY · Certificates · Standard |
How St. Anne's Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 57 of 192 tracked institutions with fresh 548-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 |
|---|---|---|---|---|---|
| St. Anne's Credit Union (this institution)Certificates · Standard | 18 months | $1,000 | Coverage: MA | 4.00% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking St. Anne's Credit Union on October 22, 2026.
About St. Anne's Credit Union
- Legal name
- St. Anne'S Credit Union
- Regulator ID
- NCUA 67605
- Headquarters
- Fall River, MA
- Available in
- MA
- Total assets
- $1.4 billion
- Also known as
- Website
- www.stannes.com
Source: rates read from https://www.stannes.com/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at St. Anne's Credit Union?
Among the rates we track, 4.00% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a St. Anne's Credit Union CD?
The lowest minimum we found is $1,000.
How does St. Anne's Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.72% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.55% 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 St. Anne's Credit Union CDs insured?
St. Anne's Credit Union is a federally insured credit union (NCUA 67605). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at St. Anne's Credit Union?
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 St. Anne's Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from St. Anne's Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with St. Anne's Credit Union before opening an account. This page is not financial advice.