Bank · FDIC insured
Eastern Bank CD Rates
Eastern Bank’s best CD rate is 4.30% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 5, 2026.
How Eastern Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Eastern Bank has the most branches. $10,000, best rate first.
This bank’s best
Eastern Bank
4.30%APY
- Term
- 18 months
- Minimum
- $2,500
- Earns on $10,000
- $652
Featured CDs
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Eastern Bank CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo0.20%
- QualifiedQualified4.30%
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 Eastern 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.
Featured CDs
Up to 4.30%APY · 4 terms
Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSimple interest compounding. Minimum opening deposit $2,500 | 3.90% | $193 |
| 10 monthsSimple interest compounding. Minimum opening deposit $2,500 | 4.15% | $345 |
| 14 monthsMonthly interest compounding. Minimum opening deposit $2,500 | 4.25% | $498 |
| 18 monthsMonthly interest compounding. Minimum opening deposit $2,500 | 4.30% | $652 |
Sources (2)
All captured Oct 5, 2026
Personal Account CDs
Up to 2.02%APY · 9 terms
Personal accounts only. A penalty may be imposed for early withdrawal. Certificate of Deposit will be renewed automatically at maturity unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSimple compounding | 2.02% | $50 |
| 4–5 monthsSimple compounding | 2.01% | $67 |
| 6–8 monthsSimple compounding | 2.01% | $100 |
| 9–11 monthsSimple compounding | 2.00% | $150 |
| 12–23 monthsMonthly compounding | 2.00% | $200 |
| 24–35 monthsMonthly compounding | 0.20% | $40 |
| 36–47 monthsMonthly compounding | 0.20% | $60 |
| 48–59 monthsMonthly compounding | 0.20% | $80 |
| 60–Unknown monthsMonthly compounding | 0.20% | $100 |
Sources (1)
- easternbank.com/personal-banki…ings-and-cds/rate-center · captured Oct 5, 2026
Special-purpose accounts
Featured IRA CDs
Up to 4.30%APY · 4 terms
Personal IRA accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSimple interest compounding. Minimum opening deposit $2,500 | 3.90% | $193 |
| 10 monthsSimple interest compounding. Minimum opening deposit $2,500 | 4.15% | $345 |
| 14 monthsMonthly interest compounding. Minimum opening deposit $2,500 | 4.25% | $498 |
| 18 monthsMonthly interest compounding. Minimum opening deposit $2,500 | 4.30% | $652 |
Sources (1)
- easternbank.com/personal-banki…ings-and-cds/rate-center · captured Oct 5, 2026
Personal Account IRA CDs
Up to 2.00%APY · 5 terms
Personal IRA accounts only. A penalty may be imposed for early withdrawal. Certificate of Deposit will be renewed automatically at maturity unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsMonthly compounding | 2.00% | $200 |
| 24–35 monthsMonthly compounding | 0.20% | $40 |
| 36–47 monthsMonthly compounding | 0.20% | $60 |
| 48–59 monthsMonthly compounding | 0.20% | $80 |
| 60–Unknown monthsMonthly compounding | 0.20% | $100 |
Sources (1)
- easternbank.com/personal-banki…ings-and-cds/rate-center · captured Oct 5, 2026
Closed to new customers
Premier Account CDs
Up to 2.02%APY · 9 terms
Personal accounts only. Only available to customers with an Eastern Premier Checking account. A penalty may be imposed for early withdrawal. Automatically renewed at maturity unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSimple compounding | 2.02% | $50 |
| 4–5 monthsSimple compounding | 2.01% | $67 |
| 6–8 monthsSimple compounding | 2.01% | $100 |
| 9–11 monthsSimple compounding | 2.00% | $150 |
| 12–23 monthsMonthly compounding | 2.00% | $200 |
| 24–35 monthsMonthly compounding | 0.20% | $40 |
| 36–47 monthsMonthly compounding | 0.20% | $60 |
| 48–59 monthsMonthly compounding | 0.20% | $80 |
| 60–Unknown monthsMonthly compounding | 0.20% | $100 |
Sources (1)
- easternbank.com/personal-banki…ings-and-cds/rate-center · captured Sep 18, 2026
Premier Account IRA CDs
Up to 2.00%APY · 5 terms
Personal IRA accounts only. Only available to customers with an Eastern Premier Checking account. A penalty may be imposed for early withdrawal. Automatically renewed at maturity unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsMonthly compounding | 2.00% | $200 |
| 24–35 monthsMonthly compounding | 0.20% | $40 |
| 36–47 monthsMonthly compounding | 0.20% | $60 |
| 48–59 monthsMonthly compounding | 0.20% | $80 |
| 60–Unknown monthsMonthly compounding | 0.20% | $100 |
Sources (1)
- easternbank.com/personal-banki…ings-and-cds/rate-center · captured Sep 18, 2026
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.