Compare Bank & Credit Union Rates
Best CD rates in Cambridge, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–29 results in Cambridge, MA
- 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$159 over 5 months on $10,000
Requirements
Product: Early withdrawal penalties may be imposed. APY assumes principal and interest remain on deposit for the full term. Withdrawals and fees may reduce earnings.
Offer: 5-month CD special rolls over to a 6-month term at maturity.
3.78% interest rate · Effective Sep 9, 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 - 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 - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Personal Funds Only. Product offer may be withdrawn at anytime.
Offer: Annual Percentage Yield (APY) based on simple interest. Penalty may be imposed for early withdrawals. Personal Funds Only.
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Must live or work in Massachusetts or New Hampshire (if in Maine, visit branch or call). Monthly compounding with funds held to maturity. No additional deposits permitted. Early withdrawal penalties may apply.
Offer: $10 minimum daily balance to earn APY. Monthly compounding.
3.44% interest rate · Effective Sep 1, 2026
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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 - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Must live or work in Massachusetts or New Hampshire (if in Maine, visit a branch or call). Monthly compounding with interest remaining on deposit until maturity. After the account has been opened no additional deposits are permitted. Substantial penalties for early withdrawal may be imposed.
Offer: $10 minimum daily balance required to earn APY. Monthly compounding.
3.20% interest rate · Effective Oct 1, 2026
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 - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - 2.02%APY$50 over 3 months on $10,000
Requirements
Product: Personal accounts only. A penalty may be imposed for early withdrawal. Certificate of Deposit will be renewed automatically at maturity unless instructed otherwise.
Offer: Simple compounding.
2.00% interest rate · Effective Oct 2, 2026
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More details - 0.40%APY$60 over 18 months on $10,000
Requirements
Product: Personal deposits of Massachusetts residents only. Penalty may be imposed for early withdrawals.
Effective Oct 4, 2026
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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 Cambridge, MA
214 CDs at 15 banks and credit unions · checked Oct 5–22
- Typical
- 2.20%
- Top 10% from
- 4.25%
- Banks, typical
- 1.88%
- Credit unions, typical
- 3.60%
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Find your bank or credit union to see all its rates and how they compare near you.
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