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 136–150 results in Massachusetts
- St. Anne's Credit UnionCertificates of DepositsCD · 18 months · $1,000 min
Credit union · 12 branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Dividend rate is compounded monthly and paid monthly. Renewed automatically at the end of a 10 calendar day grace period. A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts.
Compounded monthly
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 - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Includes a one-time option to bump your rate to a higher rate currently offered for this exact same term. Substantial penalties for early withdrawals may be imposed.
Offer: $10 minimum daily balance required to earn APY. Monthly compounding. Includes a one-time rate bump-up option.
Promotional rate · 3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$676 over 20 months on $10,000
Requirements
Offer: Minimum balance to open account is $500. This product is not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal.
3.92% interest rate · Effective Oct 15, 2026
Rate checked
More details - Transportation Federal Credit UnionShare CertificateCD · 20 months · $1,000 min
Credit union · 1 branch
4.00%APY$676 over 20 months on $10,000Requirements
Product: Dividends are paid and compounded quarterly, calculated using the daily balance method. Minimum balances required to earn APY. Early withdrawal penalties apply. Must maintain membership share ($5 par value).
3.94% interest rate · Compounded quarterly · Effective Aug 17, 2026
Rate checked
More details - 4.00%APYintro rate
Requirements
Product: Minimum $500.00 to open, maximum $250,000.00 opening deposit. Must be new money to Stoughton Co-Operative Bank. CD accounts are subject to early withdrawal penalties.
Offer: Maximum opening deposit $250,000.00; must be new money to Stoughton Co-Operative Bank
Promotional rate · 3.98% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
Offer: Interest compounded daily and credited monthly. Penalty for early withdrawal.
Promotional rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - 3.95%APY$598 over 18 months on $10,000
Requirements
Product: St. Mary's Credit Union membership eligibility required. No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
3.82% interest rate
Rate checked
More details - 3.95%APY$806 over 24 months on $10,000intro rate
Requirements
Product: Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for Certificates that reach full maturity. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate. Early withdrawal penalty applies.
Offer: Minimum $500 requirement to open and minimum of $500 to earn advertised APY. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate.
Promotional rate · Effective Jul 1, 2026
Rate checked
More details - Middlesex Savings BankFreedom Platinum Certificate of DepositCD · 3 months · $250 min
Bank · 33 branches
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 - 3.86%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$95 over 3 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Dividend rate may change after the account is opened. All rates subject to change. Fees may reduce earnings.
Offer: SPECIAL
Promotional rate · 3.78% interest rate · Effective Jun 17, 2026
Rate checked
More details - 3.85%APY$127 over 4 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
Offer: New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding.
Promotional rate · 3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$159 over 5 months on $10,000
Requirements
Product: Early withdrawal penalties may be imposed. APY assumes principal and interest remain on deposit for the full term. Withdrawals and fees may reduce earnings.
Offer: 5-month CD special rolls over to a 6-month term at maturity.
3.78% interest rate · Effective Sep 9, 2026
Rate checked
More details - 3.85%APY
Requirements
Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.
Offer: 6-16 Month CD/IRA Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.
3.78% interest rate · Effective Sep 24, 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