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 Boston, MA-NH metro
- 4.35%APY$547 over 15 months on $10,000
4.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
Rate checked
More details - 4.35%APY$547 over 15 months on $10,000intro rate
Requirements
Product: Minimum balance of $1,000. No additional deposits allowed during the term of the Certificate. Early withdrawal penalty applies (3 months dividends for terms 12 months or less, 6 months dividends for terms greater than 12 months). A 10-day grace period after maturity applies. Must maintain membership savings balance of $25.
Offer: Special Certificate. Available for a limited time. No additional deposits allowed during the term of the Certificate. Early withdrawal penalty equals 6 months dividends.
Promotional rate · 4.27% interest rate
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Product: Guaranteed fixed rate from opening to maturity. Penalty for early withdrawal. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.
Offer: 18-Month Promo CD. Guaranteed fixed rate.
4.26% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.35%APY$735 over 20 months on $10,000intro rate
Requirements
Product: Not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
Offer: Not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal.
Promotional rate · 4.26% interest rate · Effective Oct 15, 2026
Rate checked
More details - Harvard Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 6 branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Available to Harvard FCU members. Must maintain a minimum daily balance of $1,000 to earn posted APY. APY assumes principal and interest remain on deposit until maturity. Crimson Elite checking account holders receive an additional 0.10% bonus to dividend rate and APY. Early withdrawal penalty applies.
Offer: Minimum daily balance of $1,000 must be maintained to earn posted APY.
4.27% interest rate
Rate checked
More details - 4.33%APY$250 over 7 months on $10,000
Requirements
Product: Available to customers who live or work in Cumberland or York Counties, Maine, or Rockingham or Strafford Counties, New Hampshire. Early withdrawal penalties and fees could reduce earnings.
Offer: Limited time offer. Special term.
4.25% interest rate · Effective Oct 20, 2026
Rate checked
More details - Webster First Federal Credit UnionHigh Yield Share CertificateCD · 9 months · $1,000 min
Credit union · 4 branches
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. Enrollment in Webster First Federal Credit Union membership required to complete certificate ownership.
Offer: 9 Month Special
Promotional rate · 4.21% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
Rate checked
More details - Members Plus Credit UnionMembers Plus Certificate of DepositCD · 15 months · $500 min
Credit union · 7 branches
4.30%APY$540 over 15 months on $10,000Requirements
Product: Fixed-rate accounts that remain in effect until maturity. Penalty may apply for early withdrawal. Dividends assumed to remain on deposit until maturity.
4.21% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Rates shown are for new accounts opened and are subject to change after account opening. Credit Union membership is required (membership account with minimum $5.00). Substantial penalty on funds withdrawn prior to maturity. Fees may reduce earnings.
Promotional rate · 4.21% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
Offer: Monthly interest compounding. Minimum opening deposit $2,500.
Promotional rate · 4.22% interest rate · Effective Oct 2, 2026
Rate checked
More details - Winchester Co-operative BankTerm Deposit Certificates (TDC)CD · 24 months · $500 min
Bank · 2 branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account.
Offer: 24 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00.
4.22% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.30%APY$994 over 27 months on $10,000
Requirements
Product: Minimum age requirement to open account is 18. Interest accrued daily and compounded monthly. Automatic renewal at maturity with a 10 calendar day grace period. Penalties imposed for early withdrawal of principal funds. Automatic electronic deductions are not available. Personal CD rates are also available for Business CDs.
4.22% interest rate · Compounded monthly · Effective Sep 17, 2026
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More details - 4.25%APY$175 over 5 months on $10,000intro rate
Requirements
Product: Auto renewal with 30-day grace period. Early withdrawal penalty may apply. Fees or penalties may reduce earnings.
Offer: Promotional rate is available for personal accounts only that are opened with new-to-the-bank funds. At maturity, funds will roll over automatically into a regular 6-month term and rate.
Promotional rate · 4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: Minimum balance to open account is $500. Minimum daily average balance to earn the Annual Percentage Yield is $500. Interest compounded monthly.
4.17% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate checked
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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