Bank · FDIC insured
Middlesex Federal Bank CD Rates
A $654.4M bank headquartered in Somerville, MA, with 3 branches in Massachusetts.
How Middlesex Federal Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Middlesex Federal Bank has the most branches. $10,000, best rate first.
This bank’s best
Middlesex Federal Bank
3.51%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $233
Certificates of Deposit
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificates of Deposit
Up to 3.51%APY · 13 terms
Penalty may be imposed for early withdrawal. Fees may reduce earnings. All certificate of deposit accounts can also be opened as retirement accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 0.30% | $15 |
| 8 months | 3.51% | $233 |
| 12 months | 0.40% | $40 |
| 13 months | 3.51% | $381 |
| 18 months | 0.45% | $68 |
| 19 months | 3.51% | $561 |
| 24 months | 0.50% | $100 |
| 30 months | 0.60% | $151 |
| 31 months | 0.60% | $156 |
| 36 months | 0.60% | $181 |
| 48 months | 0.70% | $283 |
| 60 months | 0.80% | $406 |
Sources (2)
All captured Oct 5, 2026
IRA Certificates of Deposit
Up to 3.51%APY · 13 terms
All certificate of deposit accounts can also be opened as retirement accounts. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 0.30% | $15 |
| 8 months | 3.51% | $233 |
| 12 months | 0.40% | $40 |
| 13 months | 3.51% | $381 |
| 18 months | 0.45% | $68 |
| 19 months | 3.51% | $561 |
| 24 months | 0.50% | $100 |
| 30 months | 0.60% | $151 |
| 31 months | 0.60% | $156 |
| 36 months | 0.60% | $181 |
| 48 months | 0.70% | $283 |
| 60 months | 0.80% | $406 |
Sources (2)
All captured Oct 5, 2026
Closed to new customers
IRA 18 Month Variable Rate Certificate
5.21%APY · 1 term
Not available for new accounts; rate information is for existing accounts. Penalty may be imposed for early withdrawal. Rate subject to change quarterly (Feb/May/Aug/Nov) based on the latest 1 year Constant Maturity Treasury + 100 basis points. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsRate subject to change quarterly (Feb/May/Aug/Nov) based on the latest 1 year Constant Maturity Treasury + 100 basis points | 5.21% | $792 |
Sources (1)
- middlesexfederal.com/deposit-rates-personal · captured Oct 5, 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.