Compare Bank & Credit Union Rates
Best CD rates in Lowell, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Lowell, MA
- 4.36%APY$661 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Interest compounded and credited monthly. Early withdrawal penalty is 4% of principal. One account per customer.
Promotional rate · 4.28% interest rate · Balance cap $500,000
Rate checked
More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
Offer: Monthly interest compounding. Minimum opening deposit $2,500.
Promotional rate · 4.22% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000intro rate
Requirements
Product: A $250.00 minimum balance and $5.00 membership account are required to open. Early withdrawal penalty may apply. Upon maturity, certificate may automatically roll into another term. Dividends are compounded and credited monthly.
Offer: Special Offer. Available with a one-time bump-up option.
Promotional rate · 4.17% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.25%APY$1,291 over 35 months on $10,000intro rate
Requirements
Product: Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Offer: 35 Month Promotion CD. Minimum balance required to open and earn APY. Penalty will be imposed on early withdrawal.
Promotional rate · Effective Sep 15, 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 - 4.13%APY$448 over 13 months on $10,000
Requirements
Product: A penalty may be assessed for funds withdrawn prior to maturity on all certificates of deposits. Once a certificate of deposit account is opened, it maintains the opening rate for the length of its term. You must maintain a minimum balance of $10.00 in an account to earn the stated APY. $500 minimum deposit to open.
3.99% interest rate · Effective Oct 5, 2026
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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 - 4.07%APY$2,208 over 60 months on $10,000
Requirements
Product: Certificate rates are fixed for the term once opened. Dividends are calculated on the daily balance and compounded monthly. APY assumes dividends remain on deposit until maturity. A penalty may be imposed for early withdrawal.
4.00% interest rate · Compounded monthly · Effective Sep 23, 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
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More details - 3.80%APY$157 over 5 months on $10,000intro rate
Requirements
Product: Workers Federal Credit Union membership required ($5 minimum balance). Automatically renews at maturity into a 6-month regular term certificate or IRA unless written notice is received 30 days prior to maturity or during grace period. Simple interest paid at maturity. Substantial penalty for early withdrawal. Additional deposits cannot be made during term.
Offer: Simple interest paid at maturity. Automatically renews at maturity into a 6-month regular term certificate or IRA.
Promotional rate · 3.77% interest rate · Effective Aug 28, 2025
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More details - 3.75%APY$155 over 5 months on $10,000
Requirements
Product: Member eligibility is required. Highest dividend rates require eStatements; without eStatements, lower standard rate applies. Minimum balance of $500 required to open account and earn dividends. Dividends compounded daily and posted monthly and at maturity date. Substantial penalty for early withdrawal. Does not automatically renew at maturity.
Offer: Requires eStatements.
3.69% interest rate · Compounded daily · Effective Oct 5, 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 - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.
Offer: Tier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly.
3.69% interest rate · Compounded daily · Effective Oct 15, 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
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 Lowell, MA
210 CDs at 14 banks and credit unions · checked Oct 5–16
- Typical
- 2.25%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- 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