Compare Bank & Credit Union Rates
Best CD rates in Westborough, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Worcester County, MA · Showing Worcester County, MA: too few institutions in Westborough, MA
- 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
4.41% interest rate · Effective Oct 5, 2026
Rate checked
More details - Central One Federal Credit UnionPremium CertificatesCD · 15 months · $10,000 min
Credit union · 9 branches
4.45%APY$559 over 15 months on $10,000with conditionsRequirements
Product: Must open and maintain a Premium Checking account (requires member to be at least 18 years of age and have minimum monthly direct deposit of $1,500 into Premium Checking). Minimum balance of $10,000 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
Offer: Limited time promotion.
Qualified rate · 4.36% interest rate · Effective Oct 5, 2026
Rate checked
More details - Central One Federal Credit UnionRegular CertificatesCD · 15 months · $500 min
Credit union · 9 branches
4.45%APY$559 over 15 months on $10,000Requirements
Product: Minimum balance of $500 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
Offer: Limited time promotion.
4.36% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.45%APY$1,902 over 48 months on $10,000
Requirements
Product: Dividends can compound, be paid by check, or transferred to an account monthly (min. $10.00). Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.
Offer: Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.
4.36% interest rate
Rate checked
More details - 4.30%APY$177 over 5 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest is compounded monthly. Deposits are accepted from residents of Massachusetts, Rhode Island and Windham County Connecticut only. All accounts are subject to approval.
4.22% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - Webster First Federal Credit UnionHigh Yield Share CertificateCD · 9 months · $1,000 min
Credit union · 10 branches
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. Enrollment in Webster First Federal Credit Union membership required to complete certificate ownership.
Offer: 9 Month Special
Promotional rate · 4.21% interest rate · Effective Oct 5, 2026
Rate checked
More details - 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 - 4.25%APY$534 over 15 months on $10,000
Requirements
Product: Membership established by prime share savings account with $5.00 minimum balance. Dividends compounded daily and posted monthly. Account automatically renews at maturity with a 10 calendar day grace period. Penalty for early withdrawal may be imposed. Fees may reduce earnings. All rates subject to change without notice.
4.16% interest rate · Compounded daily
Rate checked
More details - Shrewsbury Federal Credit UnionRegular Share CertificatesCD · 24 months · $1,000 min
Credit union · 1 branch
4.23%APY$864 over 24 months on $10,000Requirements
Product: Membership eligibility requires living, working, worshipping, or attending school in Berlin, Boylston, Clinton, Grafton, Holden, Millbury, Northborough, Shrewsbury, Sterling, Westborough, West Boylston, or Worcester, and opening a $5 savings/share account. Dividends are credited monthly and can be compounded, transferred, or issued as a check. Automatic renewal at maturity. Early withdrawal penalty of 6 months dividends.
4.15% interest rate · Effective Oct 5, 2026
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 - AllCom Credit UnionCertificatesCD · 60 months · $500 min · 4.20%–4.30% by balance
Credit union · 2 branches
4.20%APY$2,284 over 60 months on $10,000Requirements
Product: AllCom membership is required. Early withdrawal penalty may apply. Dividends paid monthly or at maturity to CD, another account, or by check.
Offer: Regular CD
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 4.20% $50,000 and upJumbo CD 4.30% 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$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
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 Worcester County, MA
529 CDs at 42 banks and credit unions · checked Oct 5–17
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- GFA FCUCredit union · 4 branches
- UMassFiveCredit union · 1 branch