Best CD rates in Massachusetts

Requirements

Product: Membership eligibility required; a $5 Primary Share Savings Account is required to establish membership. Rates guaranteed until maturity. Automatically renews for original term at renewal rate unless instructed otherwise.

Requirements

Product: When you open a CD account with terms of a year or more, interest is compounded continuously. Earnings may be mailed monthly or transferred to another UniBank account without penalties. A penalty for early withdrawal may be imposed. Additional maturities are available. $500 minimum deposit.

Offer: CD Special. A penalty for early withdrawal may be imposed. Additional maturities are available.

Requirements

Product: $1,000 minimum to open. Early withdrawal penalties may be imposed. CDs do not have a maximum balance limit.

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.

Requirements

Product: Invest as little as $2,500. Penalty for early withdrawals: 6 months – 2 months dividend, 12 months – 3 months dividend, 24 months – 6 months dividend.

Offer: Dividend is paid at anniversary and then at maturity for 24 months. Early withdrawal penalty: 6 months dividend.

Requirements

Product: Must be a primary or joint owner on Relationship Rewards Checking Account. Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies.

Offer: Primary or Joint Owner on Relationship Rewards Checking

Requirements

Product: All certificates are subject to an early withdrawal penalty (3 months' dividends). Certificates automatically renew unless instructed otherwise. Dividends are compounded and posted monthly. If member opts to have dividends transferred to a Share account or check mailed, the certificate is non-compounding.

Offer: Minimum dividend balance of $1,000. Dividends earned on actual certificate balance and compounded monthly.

Requirements

Product: Deposit of $500.00 or more into accounts for specified periods from 6 months to 48 months. Different rates and terms may require larger minimum deposits. Interest rate at time of deposit is guaranteed for the term. Penalty for early withdrawal may apply.

Offer: 7 Month SPECIAL

Requirements

Product: New money from outside of any SouthCoast Accounts is needed to fund the CD, or an additional $10,000 from an outside source is needed to use funds from an existing credit union account.

Offer: New money from outside of any SouthCoast Accounts required; to use existing credit union funds, an additional $10,000 from an outside source is required.

Requirements

Product: Dividends are compounded daily and credited monthly using average daily balance. Substantial penalty for early withdrawal. Rates effective 9/21/2026. Fixed rate until maturity.

Requirements

Product: Minimum balance of $25.00 required to open and maintain account. Penalty may be imposed for early withdrawal.

Offer: Term: 12 months. Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.

Requirements

Product: 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.

Requirements

Product: Workers Federal Credit Union membership required ($5 minimum balance). Automatically renews at maturity into a 6-month regular term certificate or IRA unless written notice is received 30 days prior to maturity or during grace period. Simple interest paid at maturity. Substantial penalty for early withdrawal. Additional deposits cannot be made during term.

Offer: Simple interest paid at maturity. Automatically renews at maturity into a 6-month regular term certificate or IRA.