Compare Bank & Credit Union Rates
Best CD rates in Worcester, 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, MA
- Central One Federal Credit UnionPremium CertificatesCD · 15 months · $10,000 min
Credit union · 1 branch
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 · 1 branch
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 - Webster First Federal Credit UnionHigh Yield Share CertificateCD · 9 months · $1,000 min
Credit union · 1 branch
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 Advertised terms and APY are available for a limited time only and may be withdrawn without notice.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 - 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 - Worcester Fire Dept Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
4.08%APY$408 over 1 year on $10,0004.00% interest rate
Rate checked
More details - 4.05%APY$302 over 9 months on $10,000
Requirements
Product: Membership required. $500 minimum to open and earn APY unless stated otherwise. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Share Certificates greater than 12 months have interest paid annually and/or maturity; under 12 months interest is paid at maturity.
4.05% interest rate · Effective Sep 16, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: Must be funded only by New Money. Terms from 8 months to 15 months. Penalty may be imposed for early withdrawal. Limited time offer.
Offer: Funded only by New Money.
Promotional rate · 3.98% interest rate · Effective Oct 15, 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 - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Premier Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal.
3.93% interest rate · Effective Aug 19, 2026
Rate checked
More details - Middlesex Savings BankFreedom Platinum Certificate of DepositCD · 3 months · $250 min
Bank · 1 branch
3.90%APY$96 over 3 months on $10,000with conditionsRequirements
Product: Requires a Freedom Platinum Checking account. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
Offer: Requires Freedom Platinum Checking account.
Qualified rate · 3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.85%APY$255 over 8 months on $10,000
Requirements
Product: Interest compounded continuously for terms of 1 year or more. Penalty for early withdrawal may be imposed. Additional maturities are available.
3.73% interest rate
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, MA
314 CDs at 24 banks and credit unions · checked Sep 18–Oct 17
- Typical
- 3.10%
- Top 10% from
- 3.90%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.50%
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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