Compare Bank & Credit Union Rates
Best CD rates in Auburn, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Auburn, MA
- Central One Federal Credit UnionPremium CertificatesCD · 15 months · $10,000 min
Credit union · 1 branch
4.45%APY$559 over 15 months on $10,000with conditionsRequirements
Product: Must open and maintain a Premium Checking account (requires member to be at least 18 years of age and have minimum monthly direct deposit of $1,500 into Premium Checking). Minimum balance of $10,000 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
Offer: Limited time promotion.
Qualified rate · 4.36% interest rate · Effective Oct 5, 2026
Rate checked
More details - Central One Federal Credit UnionRegular CertificatesCD · 15 months · $500 min
Credit union · 1 branch
4.45%APY$559 over 15 months on $10,000Requirements
Product: Minimum balance of $500 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
Offer: Limited time promotion.
4.36% interest rate · Effective Oct 5, 2026
Rate checked
More details - Webster First Federal Credit UnionHigh Yield Share CertificateCD · 9 months · $1,000 min
Credit union · 1 branch
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. Enrollment in Webster First Federal Credit Union membership required to complete certificate ownership.
Offer: 9 Month Special
Promotional rate · 4.21% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000
Requirements
Product: Membership established by prime share savings account with $5.00 minimum balance. Dividends compounded daily and posted monthly. Account automatically renews at maturity with a 10 calendar day grace period. Penalty for early withdrawal may be imposed. Fees may reduce earnings. All rates subject to change without notice.
4.16% interest rate · Compounded daily
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: Must be funded only by New Money. Terms from 8 months to 15 months. Penalty may be imposed for early withdrawal. Limited time offer.
Offer: Funded only by New Money.
Promotional rate · 3.98% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal.
3.93% interest rate · Effective Aug 19, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: The APY assumes interest will remain on deposit until maturity; a withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. The daily compounding method is used on all certificates of deposit except on 6 month certificates of deposit, which are compounded monthly. Fees or other conditions could reduce the earning on the accounts shown above. Rates are subject to change without prior notice.
Offer: Compounded monthly. Penalty may be imposed for early withdrawal.
3.69% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Central One Federal Credit UnionBoost CertificateCD · 24 months · $100 min · up to $10,000
Credit union · 1 branch
3.60%APY$733 over 24 months on $10,000Requirements
Product: Minimum opening balance of $100 to open and earn APY. Principal balance limit of $10,000 max per certificate. Only one Boost Certificate allowed per member. Additional deposits can be made in increments of $100 or more up to $10,000 total. If member is 17 years of age or younger, a parent or guardian (credit union member) must be a joint account owner.
Offer: Additional deposits allowed in increments of $100 or more up to $10,000 maximum principal balance.
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Bay State BankCertificates of Deposit (CDs) - Standard OfferingsCD · 36 months · $1,000 min
Bank · 1 branch
3.00%APY$927 over 36 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Daily balance computation method.
2.96% interest rate · Effective Oct 15, 2026
Rate checked
More details - 2.05%APY$846 over 48 months on $10,000
Requirements
Product: Must maintain a minimum daily balance of $10.00 to obtain disclosed APY. Early withdrawal penalties apply.
2.00% interest rate · Effective Apr 30, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Auburn, MA
152 CDs at 9 banks and credit unions · checked Oct 5–16
- Typical
- 1.88%
- Top 10% from
- 3.75%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.50%
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Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- GFA FCUCredit union · 4 branches
- UMassFiveCredit union · 1 branch