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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–41 results in Amherst Town, MA metro
- 0.66%APY$334 over 60 months on $10,000
Requirements
Product: Not eligible for IRAs. Available for individuals only. Membership open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in MA and Hartford, Litchfield and Tolland counties in CT.
0.65% interest rate · Balance cap $250,000 · Effective Jan 15, 2026
Rate checked
More details - 0.50%APY$50 over 1 year on $10,000
Requirements
Product: Online account opening disclosure for 12 Month Certificate of Deposit. Must maintain a minimum balance of $500.00 each day to obtain disclosed APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest. Automatically renews for an identical period.
0.50% interest rate
Rate checked
More details - 0.50%APY$100 over 24 months on $10,000
Requirements
Product: Online account opening disclosure for 2 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.
0.50% interest rate
Rate checked
More details - 0.35%APY$17 over 6 months on $10,000
Requirements
Product: Statement Account only. Allows unlimited deposits during term and withdrawals once every seven days (early withdrawal penalty of three months interest if the account balance drops below $1,000). Open at any branch.
Offer: 6 Month Flex CD. Minimum balance to obtain APY is based on daily balance.
0.35% interest rate
Rate checked
More details - 0.30%APY$75 over 30 months on $10,000
Requirements
Product: Fixed rates throughout the term. Substantial early withdrawal penalty applies. Automatic renewal.
Offer: Early withdrawal penalty applies. Fixed rate throughout the term.
0.30% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$19 over 9 months on $10,000
Requirements
Product: Online account opening disclosure for 09 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.
0.25% interest rate
Rate checked
More details - Greenfield Cooperative BankNo-Penalty Certificate of DepositCD · 6 months · $500 min
Bank · 4 branches
0.15%APY$7 over 6 months on $10,000Requirements
Product: Not eligible for IRA. Additional deposits of $250.00 or more allowed at any time. Withdrawals must be in amounts of $250.00 or more and 7 days from last transaction or penalty equal to loss of 91 days of interest applies.
Offer: Withdrawals must be in amounts of $250.00 or more, and be 7 days from your last transaction or penalty of 91 days of interest applies. Additional deposits of $250.00 or more permitted.
0.15% interest rate · Balance cap $500,000 · Effective Oct 15, 2026
Rate checked
More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: Online account opening disclosure for 03 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest.
0.10% interest rate
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Online account opening disclosure for 06 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest.
0.10% interest rate
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 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%
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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