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Symphony Federal Credit Union Rates and Review January 2026

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Symphony Federal Credit Union12-month CD rates can be found at 0.85%, 6-month CD rates at 3.53% and 3-month CD rates at 0.05%. Savings rates are at 0.20% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.04%. Credit Card rates are at 18.00%. Personal Loan rates are at 12.50%. All these rates, and more, can be found in our database of rates which you can compare to Symphony Federal Credit Union rates.

Compare Symphony Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Symphony Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Symphony Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Symphony Federal Credit Union? Share your experience about Symphony Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Symphony Federal Credit Union.

Overall, Symphony Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Symphony Federal Credit Union
Main Office
301 Massachusetts Ave
Boston, MA 02115
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
12-Month CD
4.06%
$1,000
12-Month CD
4.00%
$500
18-Month CD
3.85%
$1,000
60-Month CD
3.60%
$25,000
36-Month CD
3.55%
$100
60-Month CD
3.55%
$1,000
12-Month CD
3.55%
$500
24-Month CD
3.50%
$500
9-Month CD
3.50%
$1,000
36-Month CD
3.29%
$1,000
30-Month CD
3.14%
$100
24-Month CD
3.03%
$500
48-Month CD (Jumbo)
3.02%
$200,000
72-Month CD
3.00%
$1,000
60-Month CD
2.79%
$2,500
48-Month CD
2.78%
$100
12-Month CD
2.68%
$1,000
24-Month CD
2.50%
$500
24-Month CD
2.25%
$500
36-Month CD
2.22%
$500
30-Month CD
2.07%
$1,000
48-Month CD
2.00%
$500
3-Month CD
1.65%
$500
Passbook Savings
1.51%
$0
12-Month CD
1.51%
$500
12-Month CD
1.30%
$500
30-Month CD
1.26%
$500
48-Month CD
1.17%
$1,000
48-Month CD
1.10%
$500
24-Month CD
1.01%
$2,500
Save Up Savings
1.00%
$0
36-Month CD
0.90%
$500
Platinum Money Market
0.75%
$1,000
36-Month CD
0.75%
$2,500
Money Market
0.45%
$1,000
48-Month CD
0.40%
$500
12-Month CD
0.35%
$2,000
Statement Savings
0.25%
$25
Money Market
0.15%
$2,500
Regular Savings
0.10%
$20
3-Month CD
0.10%
$500
Smart Checking
0.10%
$1,000
Interest Checking
0.05%
$0
Regular Savings
0.05%
$100
Preferred Money Market
0.03%
$0
Money Market
0.02%
$2,500
24-Month CD
0.00%
$500
Checking
0.00%
$0
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
30-Year Fixed
6.500%
6.512%
0.000
5.500%
5.732%
0.000
30-Year Fixed (Jumbo)
5.625%
5.633%
0.000
6.250%
6.355%
0.000
5.625%
5.846%
0.000
6.250%
6.199%
0.000
30 Year Fixed
6.000%
6.127%
0.000
5.750%
5.923%
0.000
20-Year Fixed
6.250%
6.418%
0.000
30-Year Fixed VA
5.375%
5.599%
1.000
30-Year Fixed
5.875%
5.978%
0.000
5.375%
5.446%
0.000
4.625%
4.690%
0.000
5.625%
5.899%
0.000
30-Year Fixed Jumbo
5.625%
5.740%
0.250
30-Year Fixed
5.875%
5.973%
0.000
5.625%
5.760%
1.125
30 Year Fixed Jumbo
6.250%
6.263%
0.000
30-Year Fixed
6.000%
6.068%
0.000
5.500%
5.545%
0.500
5.375%
5.468%
0.000
5.625%
5.787%
0.000
5.875%
6.420%
0.000
10-Year Fixed
5.500%
5.630%
0.000
5.375%
5.911%
0.000
30-Year Fixed
6.125%
6.249%
0.000
20-Year Fixed
5.750%
5.887%
0.000
5.500%
5.688%
0.125
6.000%
6.123%
0.000
6.250%
6.350%
0.000
5.875%
6.070%
0.000
15-Year Fixed
6.500%
6.500%
0.000
5.625%
5.700%
0.000
5.500%
5.561%
0.000
15 Year Fixed
5.750%
6.062%
0.000
5.500%
5.556%
0.000
7/1 ARM Jumbo
5.500%
5.503%
0.000
5.375%
5.565%
1.000
5.500%
5.500%
0.000
4.675%
4.867%
0.000
5.750%
6.093%
0.000
15-Year Fixed
5.125%
5.193%
0.000
5.750%
5.876%
0.000
5.625%
5.741%
0.000
5.125%
5.304%
0.000
15-Year Fixed Jumbo
5.750%
5.803%
0.000
30-Year Fixed
6.250%
6.450%
0.000
5/1 Adjustable
5.875%
6.234%
0.000
20-Year Fixed
5.750%
5.870%
0.000
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Credit Card Rate Comparison

Institution
Product
APR
Notes
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
Visa Platinum Rewards
14.900%
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
World Cash Back Credit Card Mastercard
18.000%
18.000%
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Access FCU Visa Gold
9.900%
Access FCU Visa Classic
13.500%
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
8.900% - 13.900%
Based upon credit worthiness.
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
8.990% - 17.990%
Maximum limit of $30,000
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
VISA® Gold
11.960%
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
VISA® Credit Cards
7.990%
Max Rewards Visa Credit Card
15.250%
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
Platinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
16.240% - 27.240%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
10.250% - 10.650%
$3,000 - $25,000
Personal Loan
12.000% - 12.090%
$1,500 - $15,000
60 - 60
10.250% - 17.950%
$0
1 - 36
7.990%
$0 - $30,000
Debt Consolidated
9.490%
$500
36
12.250% - 17.000%
$0 - $20,000
Unsecured/Personal Loans
8.990%
$0
Line of Credit
13.700%
$0
9.490%
$0
48 - 48
Credit Builder Loan
9.000%
$0
Personal Lines of Credit
11.900% - 19.400%
$0
14.700%
$8,000
60 - 60
10.990%
$500
36
8.500%
$0 - $6,000
42
Signature Loans
12.990%
$0
48
7.750% - 16.750%
$0
1 - 36
Personal Line of Credit Variable
13.150%
$0
8.890%
$0
Unsecured Signature Loan
10.250%
$0
25 - 36
Personal Line of Credit
12.950% - 18.000%
$0
10.500%
$0
Personal Line of Credit
16.240%
$0
60
Personal Loan
13.000% - 13.140%
$1,500 - $15,000
36 - 36
8.490%
$0
36 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Symphony Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Symphony Federal Credit Union
Website:
Full Time Employees: 0
Part Time Employees: 1
President: Ronan Lefkowitz
CEO: Christine Ross
Branch Locations: 1
ATM Locations: 0
Corporate Office Address:
301 Massachusetts Ave
Boston, MA 02115
Phone Number: 857-362-7328
Fax Number: 857-362-7329

Financials

Total Assets:
2,028,627
Total Amount of Shares and Deposits:
1,843,196
Total Shares and Deposits < 1 Year:
1,595,196
Total Shares and Deposits > 3 Years:
248,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
113,800
Total Uninsured Shares and Deposits > $250K (F+J):
113,800
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,729,396
Total Interest Expense (Sum of items 6 8):
28,736
Share Certificates:
19
Number of Accounts for Regular Shares:
219
All other shares:
23
Non Member Deposits:
1
Money Market Shares:
27
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
170,914
Total Liabilities:
1,857,331
Show More
Source: NCUA Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Symphony Federal Credit Union

Is a member application needed to join Symphony Federal Credit Union?

Yes, to access services at Symphony Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Symphony Federal Credit Union provides a range of mortgage and home equity products.

Is Symphony Federal Credit Union a safe place to deposit money?

Yes, Symphony Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Symphony Federal Credit Union offer online and mobile banking?

Most modern institutions like Symphony Federal Credit Union provide digital access including online balance checks and transfers.

Current Symphony Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions