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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 166–180 results in Massachusetts

  1. South Shore BankCertificate of DepositCD · 5 months · $1,000 min

    Bank · 13 branches

    3.80%APY$157 over 5 months on $10,000
  2. Top Carrot, Carrot Score 97
    USALLIANCE FinancialStep-Up CertificatesCD · 12 months · $500 min

    Credit union · 1 branch

    3.80%APY$380 over 1 year on $10,000intro rate
  3. First Responders Credit UnionShare Certificate AccountCD · 12 months · $1,000 min · 3.80%–4.06% by balance

    Credit union · 1 branch

    3.80%APY$380 over 1 year on $10,000with conditions
  4. Luso Federal Credit UnionTerm Share CertificateCD · 15 months · $500 min

    Credit union · 2 branches

    3.80%APY$477 over 15 months on $10,000
  5. Top Carrot, Carrot Score 87
    Millbury National BankPlatinum CD SpecialsCD · 24 months · $500 min

    Bank · 1 branch

    3.80%APY$774 over 24 months on $10,000with conditions
  6. Health Alliance FCUShare CertificatesCD · 3 months · $500 min

    Credit union · 1 branch

    3.75%APY$92 over 3 months on $10,000
  7. Methuen Co-operative BankCertificates of DepositCD · 3 months · $1,000 min

    Bank · 1 branch

    3.75%APY$92 over 3 months on $10,000
  8. The Cooperative BankCertificates of DepositCD · 4 months · $1,000 min

    Bank · 4 branches

    3.75%APY$123 over 4 months on $10,000intro rate
  9. Webster FiveCertificate of DepositCD · 6 months · $2,500 min

    Bank · 7 branches

    3.75%APY$186 over 6 months on $10,000intro rate
  10. OneLocal BankCertificate of DepositCD · 6 months · $2,500 min

    Bank · 4 branches

    3.75%APY$186 over 6 months on $10,000intro rate
  11. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 146 branches

    3.75%APY$217 over 7 months on $10,000
  12. PeoplesBankCertificate of DepositCD · 10 months · $1,000 min

    Bank · 14 branches

    3.75%APY$312 over 10 months on $10,000
  13. First Responders Credit UnionEnd of Summer Share Certificate SpecialsCD · 10 months · $1,000 min

    Credit union · 1 branch

    3.75%APY$312 over 10 months on $10,000
  14. BankFive11 Month CDCD · 11 months · $500 min

    Bank · 12 branches

    3.75%APY$343 over 11 months on $10,000
  15. Top Carrot, Carrot Score 88
    Newburyport BankCertificates of DepositCD · 12 months · $500 min

    Bank · 6 branches

    3.75%APY$375 over 1 year on $10,000

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

1,988 CDs at 190 banks and credit unions · checked Oct 16–22

Typical
3.05%
Top 10% from
4.10%
Banks, typical
3.00%
Credit unions, typical
3.29%

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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