Compare Bank & Credit Union Rates
Best CD rates in Massachusetts
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 211–225 results in Massachusetts
- 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Minimum $500 to open all terms. There is a substantial penalty for early withdrawal. Fees could reduce earnings. All deposits are insured in full by FDIC and DIF.
Offer: Minimum $500 to open. Substantial penalty for early withdrawal.
3.44% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Once a certificate is issued, the rate remains in effect for the term. Penalties may apply for early withdrawals. Automatically reinvested at the same term upon maturity.
Offer: Minimum to earn APY is $0.01.
3.45% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.50%APY$439 over 15 months on $10,000
Requirements
Product: A $500.00 balance is necessary to earn the stated Annual Percentage Yield. A penalty may be imposed for early withdrawal of certificate of deposit funds. Withdrawal may reduce earnings.
Offer: A $500.00 balance is necessary to earn the stated Annual Percentage Yield. Penalty for early withdrawal.
3.39% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Must live or work in Massachusetts or New Hampshire (if in Maine, visit branch or call). Monthly compounding with funds held to maturity. No additional deposits permitted. Early withdrawal penalties may apply.
Offer: $10 minimum daily balance to earn APY. Monthly compounding.
3.44% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.39%APY$168 over 6 months on $10,000
Requirements
Product: The Credit Union will no longer pay dividends on account balances less than $100.00.
3.34% interest rate · Effective Aug 21, 2026
Rate checked
More details - 3.35%APY$278 over 10 months on $10,000intro rate
Requirements
Product: Minimum deposit to open is $1,000.00 with a maximum of $500,000.00 per Tax Reporting Owner. Penalty for early withdrawal.
Offer: To obtain Bump-Up Rate/APY all deposited funds must be new to Canton Co-operative Bank.
Promotional rate · 3.30% interest rate · Balance cap $500,000 · Effective Sep 29, 2026
Rate checked
More details - New England Teamsters Federal Credit UnionFixed Rate Share Certificates of DepositCD · 19 months · $500 min · 3.34%–3.49% by balance
Credit union · 1 branch
3.34%APY$534 over 19 months on $10,000Requirements
Product: Early withdrawal penalty equal to 90 days of loss of dividends on the amount withdrawn. Dividends compounded and paid quarterly. Rates subject to change without notice.
Offer: Special promotional rate offered by NETFCU; rates subject to change at any time. Dividends compounded and paid quarterly.
3.30% interest rate
Rate by balance
Rate by balance for Fixed Rate Share Certificates of Deposit Balance APY $500 and upYour amount 3.34% $500,000 and upJumbo Share Certificate. 3.49% 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$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
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 required (purchase and maintain 1 share at $15.00 par value in a Regular Share account). Early withdrawal penalty applies: 90 days' dividends for terms of 6 months to 1 year; 180 days' dividends for terms greater than 1 year. Account automatically renews at maturity with a 10-day grace period.
Offer: Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty: 180 days' dividends. Automatic renewal with 10-day grace period.
3.25% interest rate
Rate checked
More details - SCU Credit Union36 Month Step Up Certificates of DepositCD · 36 months · $500 min
Credit union · 12 branches
3.30%APY$1,023 over 36 months on $10,000intro rateRequirements
Product: Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed. Penalty may apply for early withdrawal. Insured by NCUA and MSIC.
Offer: Year 2 of 36-Month Step-Up Certificate. Rate is fixed for Year 2.
Promotional rate · 3.25% interest rate · Effective Dec 31, 2025
Rate checked
More details - Billerica Municipal Employees Credit UnionCertificate of DepositCD · 6 months · $500 min
Credit union · 2 branches
3.29%APY$163 over 6 months on $10,000intro rateRequirements
Product: Rates variable and subject to change. Dividends paid last day of each month. Penalty applies for early withdrawals. Fees may reduce earnings.
Offer: 6 Month term.
3.25% interest rate · Effective Oct 16, 2025
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates fixed for the term. Early withdrawal penalties apply. Insured by NCUA and MSIC.
Offer: Rates fixed for term; penalty may apply for early withdrawal.
3.20% interest rate · Effective Jul 9, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Must live or work in Massachusetts or New Hampshire (if in Maine, visit a branch or call). Monthly compounding with interest remaining on deposit until maturity. After the account has been opened no additional deposits are permitted. Substantial penalties for early withdrawal may be imposed.
Offer: $10 minimum daily balance required to earn APY. Monthly compounding.
3.20% interest rate · Effective Oct 1, 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 Massachusetts
1,988 CDs at 190 banks and credit unions · checked Oct 16–22
- Typical
- 3.05%
- Top 10% from
- 4.10%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches