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 1–15 results in Dorchester, MA
- 4.80%APY$237 over 6 months on $10,000intro rate
Requirements
Product: Special offer available online or at 24 Broadway/Route 1 in Lynnfield. Penalty for early withdrawal. Minimum deposit of $500.00. Membership eligibility required. Federally insured by NCUA; shares in excess of $250,000 fully insured by MSIC.
Offer: Headline lists 4.07% APY*; footnote specifies APY = 4.80% and Rate = 4.70% effective 9/19/24. Penalty for early withdrawal. Minimum deposit $500.00. Membership eligibility required.
Promotional rate · 4.70% interest rate · Effective Sep 19, 2024
Rate checked
More details - 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.65% interest rate · Effective Oct 12, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
4.41% interest rate · Effective Oct 5, 2026
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More details - 4.44%APY$520 over 14 months on $10,000intro rate
Requirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Minimum average daily balance to earn APY is $500. Limited time offer subject to change without notice. To qualify for this rate, at least 50% of the funds deposited by members must be new money (funds not currently on deposit with Mass Bay Credit Union). Early withdrawal penalty may apply. $250,000 maximum deposit per Member.
Promotional rate · Balance cap $250,000 · Effective Oct 16, 2026
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More details - 4.36%APY$661 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Interest compounded and credited monthly. Early withdrawal penalty is 4% of principal. One account per customer.
Promotional rate · 4.28% interest rate · Balance cap $500,000
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More details - 4.35%APY$547 over 15 months on $10,000
4.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
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More details - Harvard Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 3 branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Available to Harvard FCU members. Must maintain a minimum daily balance of $1,000 to earn posted APY. APY assumes principal and interest remain on deposit until maturity. Crimson Elite checking account holders receive an additional 0.10% bonus to dividend rate and APY. Early withdrawal penalty applies.
Offer: Minimum daily balance of $1,000 must be maintained to earn posted APY.
4.27% interest rate
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More details - Members Plus Credit UnionMembers Plus Certificate of DepositCD · 15 months · $500 min
Credit union · 2 branches
4.30%APY$540 over 15 months on $10,000Requirements
Product: Fixed-rate accounts that remain in effect until maturity. Penalty may apply for early withdrawal. Dividends assumed to remain on deposit until maturity.
4.21% interest rate · Effective Sep 24, 2026
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More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Rates shown are for new accounts opened and are subject to change after account opening. Credit Union membership is required (membership account with minimum $5.00). Substantial penalty on funds withdrawn prior to maturity. Fees may reduce earnings.
Promotional rate · 4.21% interest rate · Effective Sep 24, 2026
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More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
Offer: Monthly interest compounding. Minimum opening deposit $2,500.
Promotional rate · 4.22% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Available exclusively with new money deposits at the Kennebunk, ME branch. Auto-renews at standard 12-month terms. Penalty may be imposed for early withdrawal.
Offer: Available on new funds at Kennebunk, ME location. Auto-renews at standard 12-month terms.
Promotional rate · Effective Jan 12, 2026
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 3 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.20%APY$384 over 11 months on $10,000
4.11% interest rate · Effective Sep 29, 2026
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More details - 4.15%APY$521 over 15 months on $10,000
Requirements
Product: Deposits are insured in full through combined FDIC and DIF coverage. A penalty may be imposed for early withdrawal. CD Passbooks must be returned to the Bank to close or roll into a new account.
Offer: Limited time offer. Converts to a standard 12 Month CD at renewal. APY assumes interest remains on deposit for the term.
Effective Oct 5, 2026
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More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Select 18-Month CD. Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.
4.07% interest rate · Compounded daily · Balance cap $1,000,000 · Effective Oct 6, 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 Dorchester, MA
403 CDs at 32 banks and credit unions · checked Oct 15–22
- Typical
- 2.78%
- Top 10% from
- 4.25%
- Banks, typical
- 2.00%
- 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.
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