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 121–135 results in Massachusetts
- 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends credited monthly. Penalty may be imposed for early withdrawal.
Offer: Dividends credited monthly.
3.93% interest rate · Effective Aug 3, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: Fixed interest rate for the length of the term. No setup or maintenance fees. Early withdrawal penalties apply. Interest is compounded daily and credited on the last day of the month.
Offer: 13-Month Special. Municipalities not eligible. At maturity, reverts to a 12-month CD with non-promotional APY at that time. Not combinable with other promotional offers.
3.92% interest rate · Compounded daily · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$434 over 13 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. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate. Early withdrawal penalty applies.
Offer: Limited time offer. $500 minimum requirement to open and minimum of $500 to earn advertised APY. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate.
Promotional rate · Effective Oct 18, 2024
Rate checked
More details - 4.00%APY$468 over 14 months on $10,000intro rate
Requirements
Product: Penalty on Early Withdrawal of Certificates. Maintenance or dormant fees could reduce earnings on deposit accounts.
Offer: Certificate Specials
Promotional rate · 3.93% interest rate · Effective Aug 21, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Must maintain a minimum daily balance of $500.00 (for Regular share certificate types) in your account each day to obtain the disclosed APY. Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Dividends are compounded daily and paid monthly. Share Certificate APY assumes dividends are retained in the Certificate.
3.92% interest rate · Compounded daily · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$571 over 17 months on $10,000
Requirements
Product: Penalty for early withdrawal. Minimum balance to open and earn dividends is $500. Fixed interest rate. Dividends compounded daily and credited monthly.
3.92% interest rate · Compounded daily · Effective Oct 9, 2026
Rate checked
More details - 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
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