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 286–299 results in Massachusetts
- 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$75 over 30 months on $10,000
Requirements
Product: Fixed rates throughout the term. Substantial early withdrawal penalty applies. Automatic renewal.
Offer: Early withdrawal penalty applies. Fixed rate throughout the term.
0.30% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.30%APY$90 over 36 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.25%APY$19 over 9 months on $10,000
Requirements
Product: Online account opening disclosure for 09 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.
0.25% interest rate
Rate checked
More details - Goldmark Federal Credit Union12 Month Freedom Gold CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,000Requirements
Product: Allows one deposit and one withdrawal; not to go below minimum balance requirements; will not extend term of Certificate; penalties may apply if closing Certificate early.
Offer: Allows one deposit and one withdrawal; not to go below minimum balance requirements; will not extend term of Certificate; penalties may apply if closing Certificate early.
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - OneUnited BankUNITY Gold One Year E-CDCD · 12 months · $500 min · 0.25%–0.30% by balance
Bank · 2 branches
0.25%APY$25 over 1 year on $10,000Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.25% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for UNITY Gold One Year E-CD Balance APY $500 – $250,000Your amount 0.25% $250,000 and up 0.30% Rate checked
More details - Greenfield Cooperative BankNo-Penalty Certificate of DepositCD · 6 months · $500 min
Bank · 10 branches
0.15%APY$7 over 6 months on $10,000Requirements
Product: Not eligible for IRA. Additional deposits of $250.00 or more allowed at any time. Withdrawals must be in amounts of $250.00 or more and 7 days from last transaction or penalty equal to loss of 91 days of interest applies.
Offer: Withdrawals must be in amounts of $250.00 or more, and be 7 days from your last transaction or penalty of 91 days of interest applies. Additional deposits of $250.00 or more permitted.
0.15% interest rate · Balance cap $500,000 · Effective Oct 15, 2026
Rate checked
More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: Online account opening disclosure for 03 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest.
0.10% interest rate
Rate checked
More details - 0.10%APY$3 over 4 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Online account opening disclosure for 06 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest.
0.10% interest rate
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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%
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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