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 106–120 results in Boston, MA-NH metro
- 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
Offer: Interest compounded daily and credited monthly. Penalty for early withdrawal.
Promotional rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - 3.95%APY$598 over 18 months on $10,000
Requirements
Product: St. Mary's Credit Union membership eligibility required. No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
3.82% interest rate
Rate checked
More details - Lighthouse Credit UnionVariable Rate Share CertificateCD · 24 months · $500 min
Credit union · 6 branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month (minimum dividend rate 2.50% / APY 2.53%, maximum dividend rate 5.50% / APY 5.64%). Early withdrawal penalty may apply.
Offer: Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month; minimum dividend rate 2.50% (APY 2.53%), maximum dividend rate 5.50% (APY 5.64%).
3.88% interest rate · Effective Oct 2, 2026
Rate checked
More details - Middlesex Savings BankFreedom Platinum Certificate of DepositCD · 3 months · $250 min
Bank · 30 branches
3.90%APY$96 over 3 months on $10,000with conditionsRequirements
Product: Requires a Freedom Platinum Checking account. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
Offer: Requires Freedom Platinum Checking account.
Qualified rate · 3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.86%APY$288 over 9 months on $10,000with conditions
Requirements
Product: Use promo code \"CD09\" 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 CD09 when opening online.
Qualified rate · Effective Oct 4, 2026
Rate checked
More details - 3.85%APY$127 over 4 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 · 3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$159 over 5 months on $10,000
Requirements
Product: Early withdrawal penalties may be imposed. APY assumes principal and interest remain on deposit for the full term. Withdrawals and fees may reduce earnings.
Offer: 5-month CD special rolls over to a 6-month term at maturity.
3.78% interest rate · Effective Sep 9, 2026
Rate checked
More details - 3.85%APY
Requirements
Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.
Offer: 6-16 Month CD/IRA Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.
3.78% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Membership eligibility required; a $5 Primary Share Savings Account is required to establish membership. Rates guaranteed until maturity. Automatically renews for original term at renewal rate unless instructed otherwise.
3.78% interest rate · Effective Oct 4, 2026
Rate checked
More details - 3.85%APY$255 over 8 months on $10,000
Requirements
Product: Interest compounded continuously for terms of 1 year or more. Penalty for early withdrawal may be imposed. Additional maturities are available.
3.73% interest rate
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - Norfolk Community Federal Credit UnionShare CertificatesCD · 24 months · $2,500 min
Credit union · 1 branch
3.85%APY$785 over 24 months on $10,000Requirements
Product: Invest as little as $2,500. Penalty for early withdrawals: 6 months – 2 months dividend, 12 months – 3 months dividend, 24 months – 6 months dividend.
Offer: Dividend is paid at anniversary and then at maturity for 24 months. Early withdrawal penalty: 6 months dividend.
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: All certificates are subject to an early withdrawal penalty (3 months' dividends). Certificates automatically renew unless instructed otherwise. Dividends are compounded and posted monthly. If member opts to have dividends transferred to a Share account or check mailed, the certificate is non-compounding.
Offer: Minimum dividend balance of $1,000. Dividends earned on actual certificate balance and compounded monthly.
3.75% interest rate · Compounded monthly · Effective Dec 19, 2025
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More details - 3.82%APY$382 over 1 year on $10,000intro rate
Requirements
Product: New money from outside of any SouthCoast Accounts is needed to fund the CD, or an additional $10,000 from an outside source is needed to use funds from an existing credit union account.
Offer: New money from outside of any SouthCoast Accounts required; to use existing credit union funds, an additional $10,000 from an outside source is required.
Promotional rate · 3.75% interest rate
Rate checked
More details - Albright Credit UnionShare Certificates of DepositCD · 36 months · $2,500 min
Credit union · 1 branch
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Dividends are compounded daily and credited monthly using average daily balance. Substantial penalty for early withdrawal. Rates effective 9/21/2026. Fixed rate until maturity.
3.75% interest rate · Compounded daily · Effective Sep 21, 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
* 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