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 31–45 results in Worcester, MA
- 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 · 3 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 · 3 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 - 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 · 4 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 - 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
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
314 CDs at 24 banks and credit unions · checked Sep 18–Oct 17
- Typical
- 3.10%
- Top 10% from
- 3.90%
- 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