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 181–195 results in Massachusetts
- 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Fees could reduce earnings.
Offer: Substantial penalty for early withdrawal. Fees could reduce earnings.
3.68% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Rates are guaranteed for the length of the term on fixed-rate certificates. For variable rate accounts, the rate may change after the account is opened. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
3.69% interest rate · Effective Sep 30, 2025
Rate checked
More details - Worcester Police Department Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000intro rateRequirements
Product: Open with a minimum balance of $1,000. Available to members.
Offer: LIMITED TIME ONLY
Promotional rate · 3.70% interest rate · Effective Jul 10, 2025
Rate checked
More details - 3.75%APY$471 over 15 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.
3.75% interest rate · Effective Sep 24, 2026
Rate checked
More details - OneUnited BankUNITY 15 Month E-CDCD · 15 months · $500 min · 3.00%–3.75% by balance
Bank · 2 branches
3.75%APY$471 over 15 months 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.
3.00% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for UNITY 15 Month E-CD Balance APY $500 – $10,000 3.00% $10,000 and upYour amount 3.75% $250,000 and up 3.75% Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: An early withdrawal penalty may be imposed. Fees could reduce earnings.
3.68% interest rate · Effective Oct 13, 2026
Rate checked
More details - Marblehead Employees Credit UnionShare CDCD · 24 months · $1,000 min · 3.75%–4.00% by balance
Credit union · 1 branch
3.75%APY$764 over 24 months on $10,000Requirements
Offer: Minimum $1,000.00 to $24,999.
Rate by balance
Rate by balance for Share CD Balance APY $1,000 – $24,999Your amount 3.75% $25,000 and upMinimum $25,000.00 4.00% Rate checked
More details - Workers Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min
Credit union · 12 branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.
Offer: Tier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly.
3.69% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - 3.72%APY$435 over 14 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal from a Certificate of Deposit account. Withdrawals or fees may reduce earnings on these accounts.
Offer: Minimum balance to earn APY is $2,000.00.
3.65% interest rate · Effective Oct 20, 2026
Rate checked
More details - 3.70%APY$122 over 4 months on $10,000intro rate
Requirements
Product: All CD terms listed are available to business and consumer clients. Cannot be combined with any other offers. Certificates of Deposit are subject to penalty for early withdrawal of principal. Interest is compounded monthly.
Offer: 4 Month Special. 4-month and 8-month CDs are not available as an IRA or passbook.
Promotional rate · 3.64% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - Direct Federal Credit UnionCD Share CertificatesCD · 6 months · $250 min · 3.70%–3.75% by balance
Credit union · 1 branch
3.70%APY$183 over 6 months on $10,000with conditionsRequirements
Product: APY shown assumes account is paired with an active Direct Advantage Checking; without it, APY is 0.10% lower. New money only. Monthly fee is $0. Early withdrawal penalty applies.
Offer: Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only.
Qualified rate · 3.63% interest rate · Effective Dec 20, 2025
Rate by balance
Rate by balance for CD Share Certificates Balance APY $250 – $100,000Your amount 3.70% $100,000 and up 3.75% Rate checked
More details - 3.65%APY$90 over 3 months on $10,000
Requirements
Product: Early withdrawals may result in penalties: 30 days interest for 3-month CDs, 60 days interest for 6-month CDs, 180 days interest for 1-year CDs, 180 days interest for 2-year CDs and 180 days interest for 3-year CDs. No setup or maintenance fees.
Offer: 91 Day CD
3.60% interest rate
Rate checked
More details - 3.65%APY$242 over 8 months on $10,000
Requirements
Product: Rates guaranteed for length of term. Penalty for early withdrawal. CDs that auto-renew with balances less than $500.00 will not earn interest. Available terms range from 6 months to 5 years.
Offer: Assumes principal and interest remain on deposit for term length.
3.65% interest rate
Rate checked
More details - Polish National Credit UnionPerks Certificate SpecialCD · 5 months · $500 min
Credit union · 8 branches
3.61%APY$149 over 5 months on $10,000with conditionsRequirements
Product: Perks Checking Account required. Not eligible for IRAs. Available for individuals only.
Offer: Requires a Perks Checking Account.
Qualified rate · 3.50% interest rate · Balance cap $250,000 · Effective Jun 2, 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