Mass. Institute Of Tech. rates: up to 5.000% APY
credit union · NCUA CHARTER 3830 · www.mitfcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High Yield Savings | $500.00 | 3.000% | APY | 2026-11-01 | since 2026-11-01 | |
| Holiday Savings | $0.01 | 0.050% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $100.00 | 0.050% | APY | 2026-11-01 | since 2026-11-01 | |
| Starter Savings | Up to and including the first $2,000.00 | 5.000% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 Months High Yield | 3.100% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 months | 3.400% | APY | 2026-11-01 | since 2026-11-01 | |
| 9-Month CD | 9 months | 3.750% | APY | 2026-11-01 | since 2026-11-01 | |
| 10-Month CD | 10 months | 4.150% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 months | 3.800% | APY | 2026-11-01 | since 2026-11-01 | |
| 15-Month CD | 15 months | 4.000% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 months | 3.600% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 months | 3.750% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 months | 3.750% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 months | 3.125% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 months | 3.000% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High Yield Money Market | $500.00 | 0.050% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Money Market | $10,000.00 | 3.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $1,000.00 | 0.100% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000.00 | 0.200% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000.00 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000.00 | 0.300% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000.00 | 0.350% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $500,000.00+ | 0.400% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Share (Traditional & Roth) | $100.00 | 0.050% | APY | 2026-11-01 | since 2026-11-01 | |
| Plus Checking | $2,500.00 | 0.050% | APY | 2026-11-01 | since 2026-11-01 | |
| Vacation Club | $0.01 | 0.050% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.mitfcu.org/borrow/rates | — | extract-failed | |
| www.mitfcu.org/bank/certificates | 2026-11-02 00:53 UTC | ok | dd4435354dae |
| www.mitfcu.org/bank/rates | 2026-11-02 00:53 UTC | ok | 689ceb27e7a8 |