Compare Bank & Credit Union Rates
Best CD rates in Medford, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Medford, MA
- 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
Offer: Promotional rate special. Rollover rate upon automatic renewal is 4.50% APY.
Promotional rate · 4.40% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Members Plus Credit UnionMembers Plus Certificate of DepositCD · 15 months · $500 min
Credit union · 1 branch
4.30%APY$540 over 15 months on $10,000Requirements
Product: Fixed-rate accounts that remain in effect until maturity. Penalty may apply for early withdrawal. Dividends assumed to remain on deposit until maturity.
4.21% interest rate · Effective Sep 24, 2026
Rate checked
More details - 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 Substantial penalty on funds withdrawn prior to maturity.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 - 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 - 4.20%APY$384 over 11 months on $10,000
4.11% interest rate · Effective Sep 29, 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 - 4.06%APY$475 over 14 months on $10,000with conditions
Requirements
Product: Use promo code \"CD14\" when opening online. For personal and business deposits of Massachusetts residents and Massachusetts approved businesses only. A penalty may be imposed for early withdrawals.
Offer: Personal checking account with established direct deposit required or $10,000 new money required (funded with a minimum of $10,000 in new money not already on deposit at East Cambridge Savings Bank). Promo code CD14 when opening online.
Qualified rate · Effective Oct 4, 2026
Rate checked
More details - 3.86%APY$288 over 9 months on $10,000with conditions
Requirements
Product: Use promo code \"CD09\" when opening online. For personal and business deposits of Massachusetts residents and Massachusetts approved businesses only. A penalty may be imposed for early withdrawals.
Offer: Personal checking account with established direct deposit required or $10,000 new money required (funded with a minimum of $10,000 in new money not already on deposit at East Cambridge Savings Bank). Promo code CD09 when opening online.
Qualified rate · Effective Oct 4, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000intro rate
Requirements
Product: Member can request a one-time rate increase prior to maturity matching the USALLIANCE rate posted for current Step-Up certificate with same original maturity.
Promotional rate · 3.73% interest rate · Effective Oct 1, 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 - 3.30%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 - 3.30%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 - 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
Rate checked
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
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 Medford, MA
163 CDs at 10 banks and credit unions · checked Oct 5–17
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.95%
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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