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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.

Term
Location

Top CD rates

Showing 1–15 results in Massachusetts

  1. RiverWorks Credit Union6 Month CD SpecialCD · 6 months · $500 min

    Credit union · 3 branches

    4.80%APY$237 over 6 months on $10,000intro rate
  2. Top Carrot, Carrot Score 89
    Arise FinancialShare CertificatesCD · 36 months · $500 min

    Credit union · 9 branches

    4.75%APY$1,494 over 36 months on $10,000
  3. Top Carrot, Carrot Score 88
    Energy Credit UnionCertificate of DepositCD · 60 months · $1,000 min

    Credit union · 2 branches

    4.75%APY$2,612 over 60 months on $10,000
  4. Top Carrot, Carrot Score 87
    NESC Federal Credit UnionCertificate AccountCD · 15 months · $500 min

    Credit union · 4 branches

    4.59%APY$577 over 15 months on $10,000
  5. Top Carrot, Carrot Score 97
    USALLIANCE FinancialFixed Rate Certificate AccountsCD · 12 months · $500 min

    Credit union · 1 branch

    4.50%APY$450 over 1 year on $10,000intro rate
  6. Top Carrot, Carrot Score 99
    Hanscom Federal Credit UnionTerm CertificatesCD · 12 months · $1,000 min

    Credit union · 14 branches

    4.50%APY$450 over 1 year on $10,000
  7. Top Carrot, Carrot Score 87
    Northern BankCertificates of Deposit (CDs)CD · 12 months · $500 min

    Bank · 12 branches

    4.50%APY$450 over 1 year on $10,000
  8. Somerset Federal Credit UnionTerm Share CertificatesCD · 13 months · $1,000 min

    Credit union · 2 branches

    4.50%APY$488 over 13 months on $10,000intro rate
  9. Top Carrot, Carrot Score 87
    St. Jean's Credit UnionTerm CertificatesCD · 13 months · $500 min

    Credit union · 5 branches

    4.50%APY$488 over 13 months on $10,000intro rate
  10. Institution for SavingsCertificates of DepositCD · 15 months · $500 min

    Bank · 13 branches

    4.50%APY$566 over 15 months on $10,000
  11. Freedom Credit Union15-Month Certificate SpecialCD · 15 months · $500 min

    Credit union · 9 branches

    4.50%APY$566 over 15 months on $10,000intro rate
  12. Top Carrot, Carrot Score 97
    The Village BankCertificates of DepositCD · 15 months · $500 min

    Bank · 10 branches

    4.50%APY$566 over 15 months on $10,000
  13. Top Carrot, Carrot Score 89
    Ukrainian Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · 1 branch

    4.50%APY$1,412 over 36 months on $10,000
  14. Top Carrot, Carrot Score 95
    Cranberry FCUCertificates of Deposit (CD)CD · 18 months · $500 min

    Credit union · 2 branches

    4.49%APY$681 over 18 months on $10,000
  15. Central One Federal Credit UnionPremium CertificatesCD · 15 months · $10,000 min

    Credit union · 9 branches

    4.45%APY$559 over 15 months on $10,000with conditions

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 Massachusetts

1,990 CDs at 191 banks and credit unions · checked Oct 15–22

Typical
3.05%
Top 10% from
4.07%
Banks, typical
3.00%
Credit unions, typical
3.25%

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Massachusetts

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Hanscom Federal Credit UnionCredit union · 14 branches
  2. USALLIANCE FinancialCredit union · 1 branch
  3. The Village BankBank · 10 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate