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 1–15 results in Boston, MA-NH metro
- 4.80%APY$237 over 6 months on $10,000intro rate
Requirements
Product: Special offer available online or at 24 Broadway/Route 1 in Lynnfield. Penalty for early withdrawal. Minimum deposit of $500.00. Membership eligibility required. Federally insured by NCUA; shares in excess of $250,000 fully insured by MSIC.
Offer: Headline lists 4.07% APY*; footnote specifies APY = 4.80% and Rate = 4.70% effective 9/19/24. Penalty for early withdrawal. Minimum deposit $500.00. Membership eligibility required.
Promotional rate · 4.70% interest rate · Effective Sep 19, 2024
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More details - 4.75%APY$1,494 over 36 months on $10,000
Requirements
Product: Personal accounts only. Minimum deposit is $500. Dividend penalties may apply for early withdrawals. Compounding is monthly. Fees could reduce earnings.
Offer: 3 Year certificate. Monthly compounding. Minimum to earn APY is $500.
4.65% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.65% interest rate · Effective Oct 12, 2026
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More details - 4.59%APY$577 over 15 months on $10,000
Requirements
Product: Rates available exclusively to NESC Credit Union members. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Maintain minimum average daily balance to earn disclosed APY. At maturity, automatically renews as a 12-month Certificate at the then-current rate. Early withdrawal penalty applies.
4.50% interest rate · Effective Sep 22, 2026
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More details - 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
Offer: Promotional rate special. Rollover rate upon automatic renewal is 4.50% APY.
Promotional rate · 4.40% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
4.41% interest rate · Effective Oct 5, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal. Maximum opening deposit of $250,000.00 per certificate of deposit account.
Offer: Available in branch only. To qualify for promotional APY, Premium Checking account must be opened with $10,000.00 in new money, maintained with minimum average daily balance of $10,000.00, and enrollment in e-statements. If requirements are not met, rate reduces to 12 Month CD market rate in effect at opening.
4.41% interest rate · Balance cap $250,000 · Effective Sep 21, 2026
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More details - 4.50%APY$488 over 13 months on $10,000intro rate
Requirements
Product: $500 minimum deposit. Fixed rates. Terms from 3 to 36 months. No monthly fee. Early withdrawal penalties may apply. Rates accurate as of 10/06/2026 for specials and 09/01/2026 for standard terms.
Offer: 13 Month CD SPECIAL. Rolls over to 1 year CD at maturity. Minimum deposit to open and earn interest $500. Early withdrawal penalty applies.
Promotional rate · 4.41% interest rate · Effective Oct 6, 2026
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More details - 4.50%APY$566 over 15 months on $10,000
Requirements
Product: Certificate of Deposit rates and Annual Percentage Yields are fixed for the duration of the term. Penalties apply for early withdrawals of principal from Certificates of Deposit. Interest posted during the current term may be withdrawn without penalty. Accounts are available for personal and business accounts. Rates are subject to change without notice.
Offer: Available to Individuals and Businesses for a Limited Time. Maximum deposit per primary account owner is $250,000 plus interest paid.
4.40% interest rate
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More details - 4.50%APY$566 over 15 months on $10,000
Requirements
Product: Deposits are FDIC insured and balances over FDIC limits are covered by DIF. A penalty may be assessed for early withdrawals.
Offer: Quoted yield assumes account will be rolled over and funds remain on deposit for one year.
4.41% interest rate · Effective Sep 30, 2026
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More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.
Offer: Includes 1x Bump Up feature.
4.43% interest rate · Effective Oct 9, 2026
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More details - 4.49%APY$681 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties may apply to Certificate of Deposit (CD) accounts. Fees may reduce earnings or investment below principal.
4.40% interest rate
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More details - 4.44%APY$520 over 14 months on $10,000intro rate
Requirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Minimum average daily balance to earn APY is $500. Limited time offer subject to change without notice. To qualify for this rate, at least 50% of the funds deposited by members must be new money (funds not currently on deposit with Mass Bay Credit Union). Early withdrawal penalty may apply. $250,000 maximum deposit per Member.
Promotional rate · Balance cap $250,000 · Effective Oct 16, 2026
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More details - 4.39%APY$290 over 8 months on $10,000intro rate
Requirements
Offer: Special offer
Promotional rate · 4.30% interest rate · Effective Oct 1, 2026
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More details - 4.36%APY$661 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Interest compounded and credited monthly. Early withdrawal penalty is 4% of principal. One account per customer.
Promotional rate · 4.28% interest rate · Balance cap $500,000
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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 Boston, MA-NH metro
1,541 CDs at 141 banks and credit unions · checked Oct 15–22
- Typical
- 3.04%
- Top 10% from
- 4.10%
- Banks, typical
- 2.78%
- Credit unions, typical
- 3.25%
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Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches