Compare Bank & Credit Union Rates
Best CD rates in Leominster, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Leominster, MA
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: Early withdrawal penalties may be imposed. Fees may reduce earnings. Membership requirements apply.
Offer: The minimum balance to open and earn stated APY is $500 and all funds deposited must be new money. New money is considered any funds deposited at AOCU for the first time or not previously on deposit at AOCU within the last 30 calendar days. Re-occurring direct deposits or other re-occurring ACH deposits do not qualify as new money. Advertised terms and APY are available for a limited time only and may be withdrawn without notice.
4.16% interest rate · Effective Sep 22, 2026
Rate checked
More details - Leominster Employees Federal Credit UnionShare Certificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
Product: Membership eligibility required. Tier level determined by opening deposit, not subject to change prior to dividend posting. All Share Certificates post dividends at maturity.
Offer: Tier 1
4.25% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Select 18-Month CD. Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.
4.07% interest rate · Compounded daily · Balance cap $1,000,000 · Effective Oct 6, 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 - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Premier Spending relationship.
Effective Oct 13, 2026
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More details - 4.00%APY$676 over 20 months on $10,000
Requirements
Offer: Minimum balance to open account is $500. This product is not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal.
3.92% 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 - 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 - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Minimum $500 to open all terms. There is a substantial penalty for early withdrawal. Fees could reduce earnings. All deposits are insured in full by FDIC and DIF.
Offer: Minimum $500 to open. Substantial penalty for early withdrawal.
3.44% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 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 - 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 - 0.60%APY$304 over 60 months on $10,000intro rate
Requirements
Product: Available to members. Share certificates with original maturity under 12 months earn simple dividends paid at maturity; terms of 12 months or longer earn compounded dividends compounded daily and paid monthly. Early withdrawal penalties apply. Veteran Salute Suite eligible members receive a 0.25% rate increase on Share Certificates with new money (not applicable to specials).
Offer: Compounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply.
Promotional rate · 0.60% interest rate · Compounded daily · Effective Oct 1, 2026
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 Leominster, MA
113 CDs at 10 banks and credit unions · checked Oct 4–17
- Typical
- 3.25%
- Top 10% from
- 3.94%
- Banks, typical
- 3.45%
- Credit unions, typical
- 3.08%
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Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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