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 61–75 results in Boston, MA-NH metro
- 4.10%APY$341 over 10 months on $10,000
Requirements
Product: Interest compounded monthly. Early withdrawal penalties may be imposed. $500 minimum to open. Funding for accounts opened online is limited to a maximum of $100,000. Online account opening available for residents of ME, VT, NH, MA, CT, and RI.
Offer: Special CD offer. May not be combined with Prestige checking preferred rate. Not eligible for partial withdrawals below the minimum qualifying balance. Special can end at any time.
4.01% interest rate · Compounded monthly · Effective Oct 9, 2026
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More details - 4.10%APY$341 over 10 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
Offer: New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding.
Promotional rate · 4.02% interest rate · Effective Oct 1, 2026
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More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.
Offer: Dividends compounded and credited monthly.
4.03% interest rate · Effective Oct 16, 2026
Rate checked
More details - Liberty Bay Credit UnionCertificates of Deposit (CDs)CD · 13 months · $1,000 min
Credit union · 4 branches
4.10%APY$445 over 13 months on $10,000Requirements
Product: Dividends are compounded daily and paid monthly. Rates are fixed and guaranteed for the term of the certificate. Early withdrawals of principal are subject to penalty.
Offer: Special CD term.
4.02% interest rate · Compounded daily · Effective Jun 17, 2026
Rate checked
More details - 4.10%APY$515 over 15 months on $10,000intro rate
Requirements
Product: Available to both consumer and business customers. Online banking customers can open a new CD anytime. Early withdrawal penalty may apply. Interest posts on the 15th of each month and at maturity. No maintenance fees. Online account opening available to New England residents only (MA, RI, CT, VT, NH & ME).
Offer: 15 Month CD Special. Unless changes are made to your account during the 10-day grace period following maturity, renews for a 12-month term at the then current rate. Available to consumer and business customers. Not valid on IRA CDs. Penalty may be imposed for early withdrawal.
Promotional rate · 4.02% interest rate · Effective Sep 21, 2026
Rate checked
More details - Harvard Federal Credit UnionCertificate SpecialsCD · 15 months · $1,000 min
Credit union · 6 branches
4.10%APY$515 over 15 months on $10,000intro rateRequirements
Product: Limited-time certificate specials. Requires $1,000 minimum deposit to open and Harvard FCU membership. Minimum daily balance of $1,000 must be maintained to earn posted APY. Early withdrawal penalties apply. Crimson Elite bonus adds 0.10% APY. If not selected otherwise prior to expiration, rolls over automatically into a certificate of the next highest term length.
Offer: Automatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY.
Promotional rate · 4.03% interest rate · Effective Oct 1, 2026
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More details - 4.10%APY$586 over 17 months on $10,000
Requirements
Product: An early withdrawal penalty may be imposed and could reduce earnings for these accounts. Fees could reduce earnings.
Offer: Compounding Daily. At renewal, the 17-month CD will renew at the 12-month term at the 12-month rate at that time unless you instruct otherwise.
4.02% interest rate · Effective Sep 1, 2023
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More details - 4.10%APY$621 over 18 months on $10,000
Requirements
Product: Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.
Offer: Minimum daily balance of $500 required to obtain disclosed APY.
4.02% interest rate · Effective Oct 13, 2026
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More details - 4.08%APY$236 over 7 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Fees may reduce earnings. Minimum opening balance is $1,000.00. For eOpen online account opening certificate terms are limited to 6 months and 12 months and special offers. CDs conveniently renew automatically.
Offer: A penalty may be imposed for early withdrawals. Fees may reduce earnings.
4.00% interest rate · Effective Sep 25, 2026
Rate checked
More details - Chelsea Employees Federal Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · 1 branch
4.07%APY$201 over 6 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty applies (30 days' dividends for terms <= 12 months, 60 days' dividends for terms > 12 months). Automatically renews at maturity with a 10-day grace period. Additional deposits not permitted after account opening. Dividends compounded daily and credited monthly.
4.00% interest rate · Compounded daily · Effective Oct 3, 2026
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More details - Methuen Federal Credit UnionCertificate of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · 1 branch
4.07%APY$201 over 6 months on $10,000Requirements
Product: Penalties may be imposed for early withdrawals.
4.00% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.07%APY$201 over 6 months on $10,000intro rate
Requirements
Product: Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.
Offer: Term: 6 months. Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Nov 1, 2025
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More details - RiverWorks Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · 3 branches
4.07%APY$201 over 6 months on $10,000Requirements
Product: Rates quoted are accurate as of August 14, 2024 and subject to change without notice. If average daily balance falls below the minimum for that dividend period, no dividends are earned during that period. Fully insured up to $250,000 by NCUA and MSIC.
Offer: Minimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period.
4.00% interest rate · Effective Aug 14, 2024
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More details - 4.07%APY$235 over 7 months on $10,000
Requirements
Product: Dividends compounded daily and credited monthly (or posted and compounded monthly). Automatic renewal for the same term at current rate if no action taken upon 10 days notice prior to maturity. No monthly fees. Minimum opening balance required to earn APY. Early withdrawal penalties apply (30 days interest for 3 months; 90 days interest for 6-12 months; 120 days interest for 18-60 months).
Offer: Early withdrawal penalty: 90 Days Interest.
4.00% interest rate · Compounded daily · Effective Sep 23, 2026
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More details - 4.07%APY$304 over 9 months on $10,000
Requirements
Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.
Offer: Minimum amount $500.00.
4.00% interest rate · Compounded monthly · Effective Aug 28, 2026
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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