First New England FCU is offering a 4.04% APY 9 month CD to those who make a minimum deposit is $10,000, and have an Advantage account with the credit union. Without these requirements the rate is 3.78%. Their 18 month CD offers a rate of 3.76% with the requirements and 3.53% without them.
Membership to the Friends of the Lucy Robbins Welles Library is required to get an account. There is an online application that will allow you to join this credit union.
You need to have a Share Savings Account with a $10 minimum balance in order to gain membership, which is easy enough.
First New England also offers a very competitive checking account that currently has 5.15% APY on accounts up to $25,000.
First New England is federally insured by the NCUA.