Bank · FDIC insured
Bay State Bank CD Rates
Bay State Bank’s best CD rate is 4.05% APY on an 11-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Bay State Bank’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Bay State Bank has the most branches. $10,000, best rate first.
This bank’s best
Bay State Bank
4.05%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $371
Certificate of Deposits (CDs) - Specials
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Bay State Bank CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bay State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposits (CDs) - Specials
Up to 4.05%APY · 5 terms
Must be funded only by New Money. Terms from 8 months to 15 months. Penalty may be imposed for early withdrawal. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsFunded only by New Money | 3.85% | $255 |
| 9 monthsOpen Door. Funded only by New Money | 3.45% | $258 |
| 11 monthsFunded only by New Money | 4.05% | $371 |
| 14 monthsFunded only by New Money | 4.05% | $474 |
| 15 monthsFunded only by New Money | 3.90% | $490 |
Sources (1)
- baystatebank.com/rates · captured Oct 15, 2026
Certificates of Deposit (CDs) - Standard Offerings
Up to 3.00%APY · 8 terms
Penalty may be imposed for early withdrawal. Daily balance computation method.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 0.50% | 0.50% | $12 |
| 6 months | 0.50% | — | 0.50% | $25 |
| 12 months | 1.00% | — | 1.00% | $100 |
| 18 months | 1.50% | — | 1.50% | $226 |
| 24 months | 2.00% | — | 2.00% | $404 |
| 36 months | 3.00% | — | 3.00% | $927 |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 60 months | 3.00% | — | 3.00% | $1,593 |
Special-purpose accounts
Roth, SEP & Traditional IRAs - Specials
Up to 4.05%APY · 4 terms
Available on Roth, SEP, or Traditional IRA plans. Connect with Relationship Manager to Open. Penalty may be imposed for early withdrawal. Limited time offer. Only available to Massachusetts residents. No monthly or annual fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsSpecial offer. Roth, SEP & Traditional IRAs. Connect with Relationship Manager to Open | 3.85% | $255 |
| 11 monthsSpecial offer. Roth, SEP & Traditional IRAs. Connect with Relationship Manager to Open | 4.05% | $371 |
| 14 monthsSpecial offer. Roth, SEP & Traditional IRAs. Connect with Relationship Manager to Open | 4.05% | $474 |
| 15 monthsSpecial offer. Roth, SEP & Traditional IRAs. Connect with Relationship Manager to Open | 3.90% | $490 |
Roth, SEP & Traditional IRAs - Standard Offerings
Up to 3.00%APY · 8 terms
Available on Roth, SEP, or Traditional IRA plans. Only available to Massachusetts residents. Must be opened in person. Penalty may be imposed for early withdrawal. No monthly or annual fees.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsRoth, SEP & Traditional IRAs | — | 0.50% | 0.50% | $12 |
| 6 monthsRoth, SEP & Traditional IRAs | 0.50% | — | 0.50% | $25 |
| 12 monthsRoth, SEP & Traditional IRAs | 1.00% | — | 1.00% | $100 |
| 18 monthsRoth, SEP & Traditional IRAs | 1.50% | — | 1.50% | $226 |
| 24 monthsRoth, SEP & Traditional IRAs | 2.00% | — | 2.00% | $404 |
| 36 monthsRoth, SEP & Traditional IRAs | 3.00% | — | 3.00% | $927 |
| 48 monthsRoth, SEP & Traditional IRAs | 3.00% | — | 3.00% | $1,255 |
| 60 monthsRoth, SEP & Traditional IRAs | 3.00% | — | 3.00% | $1,593 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.