Compare Bank & Credit Union Rates
Best CD rates in Boston, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Boston, MA
- 4.10%APY$341 over 10 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
Offer: New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding.
Promotional rate · 4.02% interest rate · Effective Oct 1, 2026
Rate checked
More details - Harvard Federal Credit UnionCertificate SpecialsCD · 15 months · $1,000 min
Credit union · 3 branches
4.10%APY$515 over 15 months on $10,000intro rateRequirements
Product: Limited-time certificate specials. Requires $1,000 minimum deposit to open and Harvard FCU membership. Minimum daily balance of $1,000 must be maintained to earn posted APY. Early withdrawal penalties apply. Crimson Elite bonus adds 0.10% APY. If not selected otherwise prior to expiration, rolls over automatically into a certificate of the next highest term length.
Offer: Automatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY.
Promotional rate · 4.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Product: Rates quoted are accurate as of August 14, 2024 and subject to change without notice. If average daily balance falls below the minimum for that dividend period, no dividends are earned during that period. Fully insured up to $250,000 by NCUA and MSIC.
Offer: Minimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period.
4.00% interest rate · Effective Aug 14, 2024
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More details - 4.03%APY$403 over 1 year on $10,000
3.95% interest rate · Effective Sep 28, 2026
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More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: New money only. Only one CD per household; business entities are not eligible. Earns 4.00% APY plus an additional 4.00% annualized bonus (8.00% effective annualized return) if client applies for a first lien closed end mortgage loan with Leader Bank on or after December 25, 2025, and closes on or before the initial 6-month maturity date.
Offer: Base rate. New money only. Maximum deposit $100,000. One CD per household.
Qualified rate · 3.96% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
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More details - 4.00%APY$332 over 10 months on $10,000
3.93% interest rate · Effective Oct 5, 2026
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More details - Hanscom Federal Credit UnionEarly Access CertificateCD · 11 months · $1,000 min
Credit union · 3 branches
4.00%APY$366 over 11 months on $10,000Requirements
Product: Includes a special penalty-free offer after six days of opening, not available for rollover at maturity. When this Certificate matures, the funds and dividends will automatically be renewed to the next shortest-Term Certificate offered, which may include withdrawal penalties. You can prevent renewal if you mail notice to us at least 30 calendar days before maturity. Minimum deposit to open is $1,000.00.
Offer: Penalty-free withdrawal allowed after six days of opening. Automatically renews at maturity to next shortest-Term Certificate offered unless 30 days notice is given.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$571 over 17 months on $10,000
Requirements
Product: Penalty for early withdrawal. Minimum balance to open and earn dividends is $500. Fixed interest rate. Dividends compounded daily and credited monthly.
3.92% interest rate · Compounded daily · Effective Oct 9, 2026
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More details - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Includes a one-time option to bump your rate to a higher rate currently offered for this exact same term. Substantial penalties for early withdrawals may be imposed.
Offer: $10 minimum daily balance required to earn APY. Monthly compounding. Includes a one-time rate bump-up option.
Promotional rate · 3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$127 over 4 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
Offer: New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding.
Promotional rate · 3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY
Requirements
Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.
Offer: 6-16 Month CD/IRA Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.
3.78% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - Albright Credit UnionShare Certificates of DepositCD · 36 months · $2,500 min
Credit union · 1 branch
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Dividends are compounded daily and credited monthly using average daily balance. Substantial penalty for early withdrawal. Rates effective 9/21/2026. Fixed rate until maturity.
3.75% interest rate · Compounded daily · Effective Sep 21, 2026
Rate checked
More details - First Responders Credit UnionShare Certificate AccountCD · 12 months · $1,000 min · 3.80%–4.06% by balance
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000with conditionsRequirements
Product: Membership required. The minimum balance required to open a Share Certificate Account is $1,000. Early withdrawal penalties apply. Dividends compounded and credited monthly. Jumbo rate applies to members investing $100,000 or more in aggregate Share Certificate Account balances (.25% over Regular Dividend Rate).
Offer: Regular tier. Early withdrawal penalties apply.
Qualified rate · 3.74% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificate Account Balance APY Any balanceYour amount 3.80% $100,000 and up 4.06% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Boston, MA
403 CDs at 32 banks and credit unions · checked Oct 15–22
- Typical
- 2.78%
- Top 10% from
- 4.25%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
Is your bank paying you enough?
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Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches