Compare Bank & Credit Union Rates
Best CD rates in Woburn, MA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Woburn, MA
- 4.50%APY$450 over 1 year on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal. Maximum opening deposit of $250,000.00 per certificate of deposit account.
Offer: Available in branch only. To qualify for promotional APY, Premium Checking account must be opened with $10,000.00 in new money, maintained with minimum average daily balance of $10,000.00, and enrollment in e-statements. If requirements are not met, rate reduces to 12 Month CD market rate in effect at opening.
4.41% interest rate · Balance cap $250,000 · Effective Sep 21, 2026
Rate checked
More details - 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 - 4.30%APY$878 over 24 months on $10,000
Requirements
Product: Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account.
Offer: 24 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00.
4.22% interest rate · Effective Oct 1, 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
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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 - 3.86%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 - 3.85%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 - 3.75%APY$139 over 4.5 months on $10,000intro rate
Requirements
Product: For consumer accounts only. Fixed rate term Certificate of Deposits accounts, rates are guaranteed for the length of the term. Minimum deposit to open account and to obtain the APY is $500 unless otherwise specified. APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal.
Offer: New money only. $250,000 maximum deposit. Minimum of $500 required to open and earn advertised APY. APY assumes interest remains on deposit until maturity. Penalty may be imposed for early withdrawal. Offer may be withdrawn at any time.
Promotional rate · 3.69% interest rate · Balance cap $250,000 · Effective Oct 5, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: Assumes principal and interest will remain on deposit until maturity. There may be a substantial penalty should the Bank consent to early withdrawals. Fees/charges could reduce earnings.
Offer: 7 Month Certificate. Minimum daily balance of $10 to earn APY.
3.69% interest rate · 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 - 3.30%APY$671 over 24 months on $10,000
Requirements
Product: Membership eligibility requires living, worshiping, regularly conducting business in, attending school in, or businesses located in specified Middlesex County communities in MA, plus opening a Share Account with a $15 deposit. Early withdrawal may result in a penalty.
Offer: Dividends accrued monthly.
3.25% interest rate
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
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 Woburn, MA
201 CDs at 13 banks and credit unions · checked Oct 5–16
- Typical
- 2.00%
- 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