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 226–240 results in Massachusetts
- 3.25%APY$188 over 7 months on $10,000with conditions
Requirements
Product: Promotional offer may be withdrawn at any time. Can be opened at branch locations, not online. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. A personal checking account (new or existing) must be open and have monthly direct deposit established to obtain the 7 Month Statement CD. Account will renew into a 6 Month CD at end of term.
Offer: A personal checking account (new or existing) must be open and have monthly direct deposit established. Must be opened with new funds. In-branch opening only.
Qualified rate · 3.20% interest rate · Balance cap $1,000,000 · Effective Oct 15, 2026
Rate checked
More details - 3.25%APY$216 over 8 months on $10,000
Effective Dec 1, 2025
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More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Interest compounding monthly (for CD terms in excess of six months). Interest rate guaranteed for term of investment. Automatic renewal option at maturity. Balances insured by the FDIC up to the maximum allowed by law. Penalties for early withdrawal may apply. $500 Minimum Balance Required. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
3.20% interest rate · Effective Oct 12, 2026
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More details - 3.25%APY$464 over 17 months on $10,000intro rate
Requirements
Product: Customer has the option to make additional deposits to the CD at any time over the term of the CD. Additional deposits must be at least $500. Penalty for early withdrawal equivalent to 12 months of interest. Interest is compounded continuously and posted monthly. At maturity, automatically renews at the current Dean Bank 12-month CD rate offered at time of renewal, unless otherwise directed by the customer. Also available as a Retirement Special.
Offer: Customer has the option to make additional deposits to the CD at any time (minimum $500). Penalty for early withdrawal equivalent to 12 months of interest. Automatically renews into 12-month CD.
Promotional rate · Effective Oct 15, 2026
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More details - 3.25%APY$491 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.
3.20% interest rate · Effective Oct 15, 2026
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More details - 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 · 19 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 - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
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More details - Country Bank for Savings06 Month Special Certificate of DepositCD · 6 months · $500 min
Bank · 16 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
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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 - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 2 branches
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
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More details - 3.00%APY$74 over 3 months on $10,000intro rate
Requirements
Product: Promotional offer may be withdrawn at any time. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. Can be opened in-branch or online. Account will automatically renew into a 3 Month Statement CD at maturity. Early withdrawal penalty applies (30 days interest on principal amount withdrawn).
Offer: Must be opened with new money (funds from an existing BankFive account will not be accepted). Up to $1,000,000 maximum deposit for promotional rate.
Promotional rate · 2.96% interest rate · Balance cap $1,000,000 · Effective Oct 15, 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches