Bank · FDIC insured
Middlesex Savings Bank CD Rates
Top CarrotMiddlesex Savings Bank’s best CD rate is 4.10% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Middlesex Savings Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Middlesex Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Middlesex Savings Bank
4.10%APY
- Term
- 7 months
- Minimum
- $250
- Earns on $10,000
- $237
Special Promo Certificate 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
Middlesex Savings Bank CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.10%
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 Middlesex Savings 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.
Special Promo Certificate of Deposit
4.10%APY · 2 terms
Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Early withdrawal penalties apply. After maturity, automatically renews to a Standard Term (7-month to 6-month term, 13-month to 12-month term) at effective rates at renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSpecial promo term subject to termination at any time. Renews to standard 6-month term | 4.10% | $237 |
| 13 monthsSpecial promo term subject to termination at any time. Renews to standard 12-month term | 4.10% | $445 |
Sources (3)
- middlesexbank.com
- middlesexbank.com/Resources/Re…t-Account-Interest-Rates
- middlesexbank.com/Special-Promo-CD
All captured Oct 15, 2026
Freedom Platinum Certificate of Deposit
3.90%APY · 8 terms
Requires a Freedom Platinum Checking account. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires Freedom Platinum Checking account | 3.90% | $96 |
| 6 monthsRequires Freedom Platinum Checking account | 3.90% | $193 |
| 12 monthsRequires Freedom Platinum Checking account | 3.90% | $390 |
| 18 monthsRequires Freedom Platinum Checking account | 3.90% | $591 |
| 24 monthsRequires Freedom Platinum Checking account | 3.90% | $795 |
| 36 monthsRequires Freedom Platinum Checking account | 3.90% | $1,216 |
| 48 monthsRequires Freedom Platinum Checking account | 3.90% | $1,654 |
| 60 monthsRequires Freedom Platinum Checking account | 3.90% | $2,108 |
Sources (2)
- middlesexbank.com/Personal/Ban…cates-of-Deposit-CDs/CDs
- middlesexbank.com/Resources/Re…t-Account-Interest-Rates
All captured Oct 15, 2026
Certificate of Deposit
3.80%APY · 8 terms
Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.80% | $188 |
| 12 months | 3.80% | $380 |
| 18 months | 3.80% | $575 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.80% | $2,050 |
Special-purpose accounts
Special Promo Fixed Rate Retirement Certificate of Deposit
4.10%APY · 2 terms
IRA CD account. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Early withdrawal penalties apply. After maturity, automatically renews to a Standard Term (7-month to 6-month term, 13-month to 12-month term) at effective rates at renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSpecial promo term subject to termination at any time. Renews to standard 6-month term | 4.10% | $237 |
| 13 monthsSpecial promo term subject to termination at any time. Renews to standard 12-month term | 4.10% | $445 |
Sources (1)
- middlesexbank.com/Resources/Re…t-Account-Interest-Rates · captured Oct 15, 2026
Freedom Platinum Fixed Rate Retirement Certificate of Deposit
3.90%APY · 8 terms
IRA CD account. Requires a Freedom Platinum Checking account. Available under Traditional, Roth, and SEP IRA wrappers. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires Freedom Platinum Checking account | 3.90% | $96 |
| 6 monthsRequires Freedom Platinum Checking account | 3.90% | $193 |
| 12 monthsRequires Freedom Platinum Checking account | 3.90% | $390 |
| 18 monthsRequires Freedom Platinum Checking account | 3.90% | $591 |
| 24 monthsRequires Freedom Platinum Checking account | 3.90% | $795 |
| 36 monthsRequires Freedom Platinum Checking account | 3.90% | $1,216 |
| 48 monthsRequires Freedom Platinum Checking account | 3.90% | $1,654 |
| 60 monthsRequires Freedom Platinum Checking account | 3.90% | $2,108 |
Sources (2)
- middlesexbank.com/Personal/Ban…posit-CDs/Retirement-CDs
- middlesexbank.com/Resources/Re…t-Account-Interest-Rates
All captured Oct 15, 2026
Adjustable Rate Retirement Certificate of Deposit
3.80%APY · 1 term
Available for Retirement Plan accounts only. Minimum deposit to open is $10. $10 minimum balance is required to earn APY. Rates on adjustable rate accounts may change after account opening. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRates on adjustable rate accounts may change after account opening | 3.80% | $380 |
Fixed Rate Retirement Certificate of Deposit
3.80%APY · 8 terms
IRA CD account. Available under Traditional, Roth, and SEP IRA wrappers. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.80% | $188 |
| 12 months | 3.80% | $380 |
| 18 months | 3.80% | $575 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.80% | $2,050 |
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.