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 76–90 results in Boston, MA-NH metro
- 4.07%APY$2,208 over 60 months on $10,000
Requirements
Product: Certificate rates are fixed for the term once opened. Dividends are calculated on the daily balance and compounded monthly. APY assumes dividends remain on deposit until maturity. A penalty may be imposed for early withdrawal.
4.00% interest rate · Compounded monthly · Effective Sep 23, 2026
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More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 2 branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
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More details - 4.06%APY$475 over 14 months on $10,000with conditions
Requirements
Product: Use promo code \"CD14\" when opening online. For personal and business deposits of Massachusetts residents and Massachusetts approved businesses only. A penalty may be imposed for early withdrawals.
Offer: Personal checking account with established direct deposit required or $10,000 new money required (funded with a minimum of $10,000 in new money not already on deposit at East Cambridge Savings Bank). Promo code CD14 when opening online.
Qualified rate · Effective Oct 4, 2026
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More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
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More details - 4.05%APY$336 over 10 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 · 4.04% interest rate · Effective Oct 15, 2026
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More details - 4.05%APY$336 over 10 months on $10,000intro rate
Requirements
Product: Not available for an Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
Offer: Not available for an Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
Promotional rate · 4.04% interest rate · Effective Oct 15, 2026
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More details - 4.03%APY$403 over 1 year on $10,000
3.95% interest rate · Effective Sep 28, 2026
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More details - 4.00%APY$165 over 5 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 · 3.95% interest rate · Effective Oct 15, 2026
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More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Not available for an Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
Offer: Not available for an Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.95% interest rate · Effective Oct 15, 2026
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More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: New money only. Only one CD per household; business entities are not eligible. Earns 4.00% APY plus an additional 4.00% annualized bonus (8.00% effective annualized return) if client applies for a first lien closed end mortgage loan with Leader Bank on or after December 25, 2025, and closes on or before the initial 6-month maturity date.
Offer: Base rate. New money only. Maximum deposit $100,000. One CD per household.
Qualified rate · 3.96% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
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More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: $500 minimum deposit to open account and minimum balance to obtain APY. Terms ranging from 3 months to 3 years. Interest compounded and paid monthly. Automatic renewal. Early withdrawal penalty may be imposed.
3.93% interest rate · Effective Oct 15, 2026
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More details - 4.00%APY$231 over 7 months on $10,000with conditions
Requirements
Product: Available for personal accounts only. Must open and maintain an Active checking account to obtain or renew special CD accounts. Minimum balance to earn advertised APY is $50.00. Early withdrawal penalty may apply. Interest compounds monthly.
Offer: Special Short Term CD. Limited time offer. Must open and maintain an Active checking account. Interest compounds monthly. Early withdrawal penalty may apply.
Qualified rate · 3.93% interest rate · Effective Oct 5, 2026
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More details - 4.00%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Premium fixed rates offered for the term of the certificate. Minimum opening deposit of $250.00 to earn APY. Dividends compounded and paid/credited monthly. Subject to early withdrawal penalties. Fees may reduce earnings. Upon maturity, certificate will automatically renew at the prevailing rate.
Offer: Limited-time special. Offer expires 9/20/26. Minimum opening deposit of $250 to earn APY. Dividends compounded and paid monthly. Early withdrawal penalty may be imposed if redeemed prior to maturity. Fees may reduce earnings. Valid on personal and business accounts only; no institutional funds. Automatically renews at the prevailing rate upon maturity.
Promotional rate · 3.93% interest rate · Effective Sep 14, 2026
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More details - 4.00%APY$332 over 10 months on $10,000
3.93% interest rate · Effective Oct 5, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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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