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 Worcester, MA metro
- 3.04%APY$1,500 over 56 months on $10,000
Requirements
Product: Online account opening disclosure for 56 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 4-year certificate.
Offer: Automatically renews into a 4-year certificate at maturity.
3.00% interest rate
Rate checked
More details - Bay State BankCertificates of Deposit (CDs) - Standard OfferingsCD · 36 months · $1,000 min
Bank · 7 branches
3.00%APY$927 over 36 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Daily balance computation method.
2.96% interest rate · Effective Oct 15, 2026
Rate checked
More details - St. Mary's Credit UnionRelationship Bump-Up CertificatesCD · 30 months · $500 min
Credit union · 2 branches
2.75%APY$702 over 30 months on $10,000with conditionsRequirements
Product: Consumer accounts only. St. Mary's Credit Union membership eligibility required. Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. One bump-up in rate is allowed per 30-Month term (must request the bump-up). 30 month bump-up Certificate automatically renews to a 30 month Certificate. Subject to early withdrawal penalties. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. One bump-up in rate allowed per 30-Month term upon request.
Qualified rate · 2.68% interest rate
Rate checked
More details - 2.75%APY$1,453 over 60 months on $10,000
Requirements
Product: Deposit insured by FDIC and DIF. Early withdrawal penalty applies. Terms up to 1 year pay simple interest; terms of 1 year or more compound continuously.
Offer: Interest compounded continuously.
Effective Oct 15, 2026
Rate checked
More details - 2.50%APY$637 over 30 months on $10,000intro rate
Requirements
Product: Consumer accounts only. St. Mary's Credit Union membership eligibility required. One bump-up in rate is allowed per 30-Month term. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
Offer: One bump-up in rate allowed per 30-Month term.
Promotional rate · 2.44% interest rate
Rate checked
More details - 2.05%APY$846 over 48 months on $10,000
Requirements
Product: Must maintain a minimum daily balance of $10.00 to obtain disclosed APY. Early withdrawal penalties apply.
2.00% interest rate · Effective Apr 30, 2026
Rate checked
More details - 2.02%APY$618 over 36 months on $10,000
Requirements
Product: Allows deposits at any time with a minimum of $25. No penalties for early withdrawal with receipt showing educational expense. Deposits accepted from residents of MA, RI, and Windham County CT only.
Offer: Deposits of minimum $25 allowed at any time. No penalty for early withdrawal with receipt showing educational expense.
2.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - 1.25%APY$252 over 24 months on $10,000intro rate
Requirements
Product: Gives power to boost earnings with a one-time rate increase during the term. Rates may change after account opening if exercising the right to change the rate one time.
Offer: 2 Year UniStep CD.
Promotional rate · 1.23% interest rate
Rate checked
More details - 1.00%APY$406 over 48 months on $10,000
Requirements
Product: Online account opening disclosure for 4 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
1.00% interest rate
Rate checked
More details - 1.00%APY$510 over 60 months on $10,000
Requirements
Product: Online account opening disclosure for 5 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
1.00% interest rate
Rate checked
More details - 0.75%APY$227 over 36 months on $10,000
Requirements
Product: Online account opening disclosure for 3 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
0.75% interest rate
Rate checked
More details - 0.60%APY$304 over 60 months on $10,000intro rate
Requirements
Product: Available to members. Share certificates with original maturity under 12 months earn simple dividends paid at maturity; terms of 12 months or longer earn compounded dividends compounded daily and paid monthly. Early withdrawal penalties apply. Veteran Salute Suite eligible members receive a 0.25% rate increase on Share Certificates with new money (not applicable to specials).
Offer: Compounded dividends, compounded daily and paid monthly. Early withdrawal penalty may apply.
Promotional rate · 0.60% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 0.50%APY$50 over 1 year on $10,000
Requirements
Product: Online account opening disclosure for 12 Month Certificate of Deposit. Must maintain a minimum balance of $500.00 each day to obtain disclosed APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest. Automatically renews for an identical period.
0.50% interest rate
Rate checked
More details - 0.50%APY$100 over 24 months on $10,000
Requirements
Product: Online account opening disclosure for 2 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
0.50% interest rate
Rate checked
More details - 0.25%APY$19 over 9 months on $10,000
Requirements
Product: Online account opening disclosure for 09 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.
0.25% 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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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