Credit union · NCUA insured
Mass Bay Credit Union CD Rates
Mass Bay Credit Union’s best CD rate is 4.44% APY on a 14-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Mass Bay Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Mass Bay Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mass Bay Credit Union
4.44%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $520
Certificates
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
Mass Bay Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.44%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.44%
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 Mass Bay Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.44%APY · 13 terms
Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 2.75% | $68 |
| 6 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.75% | $186 |
| 10 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.11% | $341 |
| 12 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.50% | $350 |
| 14 monthsMinimum average daily balance to earn APY is $500. Limited time offer subject to change without notice. To qualify for this rate, at least 50% of the funds deposited by members must be new money (funds not currently on deposit with Mass Bay Credit Union). Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.44% | $520 |
| 16 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.00% | $402 |
| 17 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.40% | $629 |
| 18 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.00% | $606 |
| 24 monthsAssumes dividends remain in account until maturity. Early withdrawal penalty applies. Rate effective September 3, 2026 on promotional page; schedule effective October 16, 2026. $250,000 maximum deposit per Member | 4.25% | $868 |
| 28 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 2.65% | $629 |
| 36 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.45% | $1,071 |
| 48 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.00% | $1,255 |
| 60 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.35% | $1,791 |
Sources (2)
- massbaycu.org/index.php/certificate-24-month-4.25-apy
- massbaycu.org/index.php/resources/rates-for-deposit
All captured Oct 17, 2026
Special-purpose accounts
IRA Certificates
Up to 4.44%APY · 13 terms
Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 2.75% | $68 |
| 6 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.75% | $186 |
| 10 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.11% | $341 |
| 12 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.50% | $350 |
| 14 monthsMinimum average daily balance to earn APY is $500. Limited time offer subject to change without notice. To qualify for this rate, at least 50% of the funds deposited by members must be new money (funds not currently on deposit with Mass Bay Credit Union). Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.44% | $520 |
| 16 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.00% | $402 |
| 17 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.40% | $629 |
| 18 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.00% | $606 |
| 24 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 4.25% | $868 |
| 28 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 2.65% | $629 |
| 36 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.45% | $1,071 |
| 48 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.00% | $1,255 |
| 60 monthsMinimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member | 3.35% | $1,791 |
Sources (1)
- massbaycu.org/index.php/resources/rates-for-deposit · captured Oct 17, 2026
Who can join Mass Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends a school, college, or university, or belongs to a labor organization located within Norfolk County, Suffolk County, Middlesex County, Abington, Brockton, Hanover, Hingham, Lynn, Marshfield, Norwell, Peabody, Rockland, Saugus, Scituate, or Whitman.
Employers and groups
- Membership is open to employees or former employees of Keolis.
- Membership is open to employees or former employees of entities affiliated with MassDOT.
- Membership is open to employees of entities who are members of labor unions affiliated with MassDOT.
- Membership is open to employees or former employees of MBTA.
Military, government and schools
- Membership is open to employees or former employees of the Massachusetts State Police.
1 more way to join
Family and household
- Membership is open to immediate family members of eligible members.
Membership information collected October 5, 2026.