Compare Bank & Credit Union Rates
Best CD rates in Quincy, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Quincy, MA
- 4.44%APY$520 over 14 months on $10,000intro rate
Requirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Minimum average daily balance to earn APY is $500. Limited time offer subject to change without notice. To qualify for this rate, at least 50% of the funds deposited by members must be new money (funds not currently on deposit with Mass Bay Credit Union). Early withdrawal penalty may apply. $250,000 maximum deposit per Member.
Promotional rate · Balance cap $250,000 · Effective Oct 16, 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 - 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 - 4.25%APY$498 over 14 months on $10,000
Requirements
Product: Fixed rate of interest until maturity. Premium CD rates may be available to customers with an active VISTA Relationship; excludes CD Specials. Substantial penalty may be imposed for early withdrawal.
Offer: CD Special. New money required. Funds cannot come from an existing MountainOne deposit account.
Effective Oct 5, 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$554 over 16 months on $10,000intro rate
Requirements
Product: Qualifying Criteria: new members bringing in a minimum of $1,000 to QCU, existing members bringing in a minimum of $1,000 from outside QCU, or existing members with existing funds at QCU and at least $500 in direct deposit. Membership eligibility required; $5 Primary Share Account required for membership. Will automatically renew as a 12-month CD at the rate in effect at time of renewal.
Offer: Qualifying criteria: new members bringing in minimum $1,000 to QCU, existing members bringing in minimum $1,000 from outside QCU, or existing members with existing funds at QCU and at least $500 in direct deposit. Automatically renews as a 12-month CD at maturity.
Promotional rate · 4.05% interest rate
Rate checked
More details - 4.10%APY$271 over 8 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty may apply. For terms of one year or more, interest is compounded daily; for terms of less than one year, interest is compounded monthly.
Offer: 8 Month CD Special is a limited time offer and converts to a standard 6 Month CD at renewal. Interest compounded monthly. Penalty may be imposed for early withdrawal.
Promotional rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - 4.08%APY$236 over 7 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Fees may reduce earnings. Minimum opening balance is $1,000.00. For eOpen online account opening certificate terms are limited to 6 months and 12 months and special offers. CDs conveniently renew automatically.
Offer: A penalty may be imposed for early withdrawals. Fees may reduce earnings.
4.00% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.00%APY$332 over 10 months on $10,000
3.93% interest rate · Effective Oct 5, 2026
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More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Membership eligibility required; a $5 Primary Share Savings Account is required to establish membership. Rates guaranteed until maturity. Automatically renews for original term at renewal rate unless instructed otherwise.
3.78% interest rate · Effective Oct 4, 2026
Rate checked
More details - 3.80%APY$157 over 5 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed. Choice of standard terms from 3 months to 5 years. Any interest earned can be automatically deposited into a South Shore Bank Checking Account.
Offer: At maturity, rolls into a standard 6-month CD.
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 - 3.30%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
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 Quincy, MA
198 CDs at 12 banks and credit unions · checked Oct 5–22
- Typical
- 2.00%
- Top 10% from
- 3.93%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.35%
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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