Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Amherst Town, MA metro
- 3.55%APY$415 over 14 months on $10,000
Requirements
Product: Maximum of $1,000,000.00 is allowed per account. Certificates of Deposit earn a fixed interest rate for the entire term. A penalty may be imposed for withdrawals prior to maturity. Fees may reduce earnings on these accounts.
3.49% interest rate · Balance cap $1,000,000 · Effective Nov 4, 2025
Rate checked
More details - 3.55%APY$1,906 over 60 months on $10,000intro rate
Requirements
Product: Minimum balance $500. Rate may be adjusted once during the term to the posted rate currently in effect with a maximum increase up to 2.00% above initial rate and maximum dividend rate of 5.00%. If Co-op Points were used at opening, the rate advantage continues upon bump. Penalties for early withdrawal apply (6 months interest).
Offer: With 2,500 Co-op Points
Promotional rate · 3.50% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.51%APY$411 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.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.20%APY$374 over 14 months on $10,000
Requirements
Product: Online account opening disclosure for 14 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty of 6 months' interest. Automatically renews to a 12 Month CD.
Offer: Automatically renews to a 12 Month CD at maturity.
3.15% interest rate
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Country Bank for Savings06 Month Special Certificate of DepositCD · 6 months · $500 min
Bank · 2 branches
3.04%APY$151 over 6 months on $10,000intro rateRequirements
Product: Online account opening disclosure for 06 Month Special Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.
Promotional rate · 3.00% interest rate
Rate checked
More details - 3.04%APY$724 over 28 months on $10,000
Requirements
Product: Online account opening disclosure for 28 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 2-year certificate.
Offer: Automatically renews into a 2-year certificate at maturity.
3.00% interest rate
Rate checked
More details - 3.04%APY$1,105 over 42 months on $10,000intro rate
Requirements
Product: Online account opening disclosure for 42 Month Certificate of Deposit Special. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 3-year certificate.
Offer: Automatically renews into a 3-year certificate at maturity.
Promotional rate · 3.00% interest rate
Rate checked
More details - 3.04%APY$1,500 over 56 months on $10,000
Requirements
Product: Online account opening disclosure for 56 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 4-year certificate.
Offer: Automatically renews into a 4-year certificate at maturity.
3.00% interest rate
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More details - 2.75%APY$1,453 over 60 months on $10,000
Requirements
Product: Special anniversary certificate rates celebrating 100 years.
Effective Jul 19, 2022
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More details - 1.00%APY$406 over 48 months on $10,000
Requirements
Product: Online account opening disclosure for 4 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
1.00% interest rate
Rate checked
More details - 1.00%APY$510 over 60 months on $10,000
Requirements
Product: Online account opening disclosure for 5 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
1.00% interest rate
Rate checked
More details - 0.75%APY$227 over 36 months on $10,000
Requirements
Product: Online account opening disclosure for 3 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
0.75% interest rate
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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 Amherst Town, MA metro
228 CDs at 15 banks and credit unions · checked Sep 18–Oct 17
- Typical
- 1.33%
- Top 10% from
- 3.81%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.55%
Is your bank paying you enough?
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Amherst Town, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMassFiveCredit union · 4 branches
- Greenfield Savings BankBank · 4 branches