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 46–60 results in Worcester, MA metro
- 3.55%APY$1,906 over 60 months on $10,000intro rate
Requirements
Product: Minimum balance $500. Rate may be adjusted once during the term to the posted rate currently in effect with a maximum increase up to 2.00% above initial rate and maximum dividend rate of 5.00%. If Co-op Points were used at opening, the rate advantage continues upon bump. Penalties for early withdrawal apply (6 months interest).
Offer: With 2,500 Co-op Points
Promotional rate · 3.50% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.51%APY$411 over 14 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal from a Certificate of Deposit account. Withdrawals or fees may reduce earnings on these accounts.
Offer: Minimum balance to earn APY is $2,000.00.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APYintro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Offer may be withdrawn at any time. Short-term CD special not eligible for an IRA.
Offer: Pick the term 9-11 Months. Short-term CD special not eligible for an IRA.
Promotional rate · Effective Oct 15, 2026
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 6 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Minimum $500 to open all terms. There is a substantial penalty for early withdrawal. Fees could reduce earnings. All deposits are insured in full by FDIC and DIF.
Offer: Minimum $500 to open. Substantial penalty for early withdrawal.
3.44% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Once a certificate is issued, the rate remains in effect for the term. Penalties may apply for early withdrawals. Automatically reinvested at the same term upon maturity.
Offer: Minimum to earn APY is $0.01.
3.45% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$464 over 17 months on $10,000intro rate
Requirements
Product: Customer has the option to make additional deposits to the CD at any time over the term of the CD. Additional deposits must be at least $500. Penalty for early withdrawal equivalent to 12 months of interest. Interest is compounded continuously and posted monthly. At maturity, automatically renews at the current Dean Bank 12-month CD rate offered at time of renewal, unless otherwise directed by the customer. Also available as a Retirement Special.
Offer: Customer has the option to make additional deposits to the CD at any time (minimum $500). Penalty for early withdrawal equivalent to 12 months of interest. Automatically renews into 12-month CD.
Promotional rate · Effective Oct 15, 2026
Rate checked
More details - 3.20%APY$374 over 14 months on $10,000
Requirements
Product: Online account opening disclosure for 14 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty of 6 months' interest. Automatically renews to a 12 Month CD.
Offer: Automatically renews to a 12 Month CD at maturity.
3.15% interest rate
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 6 branches
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% Rate checked
More details - Country Bank for Savings06 Month Special Certificate of DepositCD · 6 months · $500 min
Bank · 8 branches
3.04%APY$151 over 6 months on $10,000intro rateRequirements
Product: Online account opening disclosure for 06 Month Special Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.
Promotional rate · 3.00% interest rate
Rate checked
More details - 3.04%APY$724 over 28 months on $10,000
Requirements
Product: Online account opening disclosure for 28 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 2-year certificate.
Offer: Automatically renews into a 2-year certificate at maturity.
3.00% interest rate
Rate checked
More details - 3.04%APY$1,105 over 42 months on $10,000intro rate
Requirements
Product: Online account opening disclosure for 42 Month Certificate of Deposit Special. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 3-year certificate.
Offer: Automatically renews into a 3-year certificate at maturity.
Promotional rate · 3.00% interest rate
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
What CDs pay in Worcester, MA metro
529 CDs at 42 banks and credit unions · checked Oct 5–17
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.50%
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Find your bank or credit union to see all its rates and how they compare near you.
Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- GFA FCUCredit union · 4 branches
- UMassFiveCredit union · 1 branch