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 61–75 results in Massachusetts
- AllCom Credit UnionCertificatesCD · 60 months · $500 min · 4.20%–4.30% by balance
Credit union · 2 branches
4.20%APY$2,284 over 60 months on $10,000Requirements
Product: AllCom membership is required. Early withdrawal penalty may apply. Dividends paid monthly or at maturity to CD, another account, or by check.
Offer: Regular CD
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 4.20% $50,000 and upJumbo CD 4.30% Rate checked
More details - 4.18%APY$634 over 18 months on $10,000intro rate
Requirements
Offer: Aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for these products. To open account and earn APY. Early withdrawal penalty may apply.
Promotional rate · 4.10% interest rate · Balance cap $5,000,000 · Effective Oct 5, 2026
Rate checked
More details - 4.15%APY$205 over 6 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 · 4.07% interest rate · Balance cap $500,000 · Effective Oct 6, 2026
Rate checked
More details - 4.15%APY$521 over 15 months on $10,000
Requirements
Product: Deposits are insured in full through combined FDIC and DIF coverage. A penalty may be imposed for early withdrawal. CD Passbooks must be returned to the Bank to close or roll into a new account.
Offer: Limited time offer. Converts to a standard 12 Month CD at renewal. APY assumes interest remains on deposit for the term.
Effective Oct 5, 2026
Rate checked
More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Select 18-Month CD. Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.
4.07% interest rate · Compounded daily · Balance cap $1,000,000 · Effective Oct 6, 2026
Rate checked
More details - 4.15%APY$958 over 27 months on $10,000
Requirements
Offer: Automatically renews into a 30 Month CD.
4.07% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
Rate checked
More details - 4.13%APY$273 over 8 months on $10,000
Requirements
Product: No account fees; no penalty for interest withdrawal. Early withdrawal penalty applies. Deposits insured in full.
Offer: Monthly compounding. Special CD term.
4.00% interest rate
Rate checked
More details - 4.13%APY$448 over 13 months on $10,000
Requirements
Product: A penalty may be assessed for funds withdrawn prior to maturity on all certificates of deposits. Once a certificate of deposit account is opened, it maintains the opening rate for the length of its term. You must maintain a minimum balance of $10.00 in an account to earn the stated APY. $500 minimum deposit to open.
3.99% interest rate · Effective Oct 5, 2026
Rate checked
More details - Goldmark Federal Credit UnionCertificate of DepositCD · 15 months · $1,000 min
Credit union · 1 branch
4.13%APY$519 over 15 months on $10,000Requirements
Product: Fixed rates at account opening for the term of the account. Penalty may apply for early withdrawals.
Offer: 15 Month Special
4.05% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.13%APY$554 over 16 months on $10,000intro rate
Requirements
Product: Qualifying Criteria: new members bringing in a minimum of $1,000 to QCU, existing members bringing in a minimum of $1,000 from outside QCU, or existing members with existing funds at QCU and at least $500 in direct deposit. Membership eligibility required; $5 Primary Share Account required for membership. Will automatically renew as a 12-month CD at the rate in effect at time of renewal.
Offer: Qualifying criteria: new members bringing in minimum $1,000 to QCU, existing members bringing in minimum $1,000 from outside QCU, or existing members with existing funds at QCU and at least $500 in direct deposit. Automatically renews as a 12-month CD at maturity.
Promotional rate · 4.05% interest rate
Rate checked
More details - 4.10%APY$203 over 6 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000.00. A minimum daily balance of $10.00 is required to earn the APY. Penalty for early withdrawal.
4.03% interest rate · Effective Oct 6, 2026
Rate checked
More details - Middlesex Savings BankSpecial Promo Certificate of DepositCD · 7 months · $250 min
Bank · 33 branches
4.10%APY$237 over 7 months on $10,000intro rateRequirements
Product: Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Early withdrawal penalties apply. After maturity, automatically renews to a Standard Term (7-month to 6-month term, 13-month to 12-month term) at effective rates at renewal.
Offer: Special promo term subject to termination at any time. Renews to standard 6-month term.
Promotional rate · 4.03% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$271 over 8 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty may apply. For terms of one year or more, interest is compounded daily; for terms of less than one year, interest is compounded monthly.
Offer: 8 Month CD Special is a limited time offer and converts to a standard 6 Month CD at renewal. Interest compounded monthly. Penalty may be imposed for early withdrawal.
Promotional rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - 4.10%APY$341 over 10 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 · 4.02% 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
1,990 CDs at 191 banks and credit unions · checked Oct 15–22
- Typical
- 3.05%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.25%
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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