Compare Bank & Credit Union Rates
Best CD rates in Framingham, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Framingham, MA
- 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Rates shown are for new accounts opened and are subject to change after account opening. Credit Union membership is required (membership account with minimum $5.00). Substantial penalty on funds withdrawn prior to maturity. Fees may reduce earnings.
Promotional rate · 4.21% interest rate · Effective Sep 24, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.20%APY$637 over 18 months on $10,000with conditions
Requirements
Product: Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY.
Qualified rate · 4.06% interest rate
Rate checked
More details - 4.10%APY$237 over 7 months on $10,000intro rate
Requirements
Product: 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.
Offer: Special promo term subject to termination at any time. Renews to standard 6-month term.
Promotional rate · 4.03% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$515 over 15 months on $10,000intro rate
Requirements
Product: Available to both consumer and business customers. Online banking customers can open a new CD anytime. Early withdrawal penalty may apply. Interest posts on the 15th of each month and at maturity. No maintenance fees. Online account opening available to New England residents only (MA, RI, CT, VT, NH & ME).
Offer: 15 Month CD Special. Unless changes are made to your account during the 10-day grace period following maturity, renews for a 12-month term at the then current rate. Available to consumer and business customers. Not valid on IRA CDs. Penalty may be imposed for early withdrawal.
Promotional rate · 4.02% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.10%APY$621 over 18 months on $10,000
Requirements
Product: Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.
Offer: Minimum daily balance of $500 required to obtain disclosed APY.
4.02% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.95%APY$598 over 18 months on $10,000
Requirements
Product: St. Mary's Credit Union membership eligibility required. No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
3.82% interest rate
Rate checked
More details - Middlesex Savings BankFreedom Platinum Certificate of DepositCD · 3 months · $250 min
Bank · 2 branches
3.90%APY$96 over 3 months on $10,000with conditionsRequirements
Product: 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.
Offer: Requires Freedom Platinum Checking account.
Qualified rate · 3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.80%APY$94 over 3 months on $10,000
Requirements
Product: 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.
3.74% interest rate · 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 - 3.56%APY$176 over 6 months on $10,000intro rate
Requirements
Product: Deposits must be new money to the Bank (not previously held by MutualOne Bank) for 3-month and 6-month terms. Guaranteed for the length of the term. Except where noted, interest is paid and compounded monthly. Early withdrawal penalty may apply.
Offer: New money required. Interest paid and compounded monthly. Guaranteed for the length of the term. Early withdrawal penalty may apply.
Promotional rate · 3.50% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% 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 - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 1 branch
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% 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 Framingham, MA
198 CDs at 10 banks and credit unions · checked Oct 15–22
- Typical
- 2.39%
- Top 10% from
- 3.90%
- Banks, typical
- 0.55%
- Credit unions, typical
- 3.25%
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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