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 241–255 results in Massachusetts
- 3.00%APY$149 over 6 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Product: Promotional offer may be withdrawn at any time.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. Early withdrawal penalty equals 90 days interest on principal amount withdrawn.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 - 3.00%APY$149 over 6 months on $10,000
3.00% interest rate
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More details - 3.00%APY$275 over 11 months on $10,000
Requirements
Product: Certificate of Deposit earns a fixed rate of interest until maturity. Early withdrawal penalties may apply and reduce earnings.
Offer: Fixed rate until maturity. Interest compounded daily, credited at end of month.
Compounded daily
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More details - Haverhill Fire Department Credit UnionTerm CertificatesCD · 12 months · $500 min
Credit union · 1 branch
3.00%APY$300 over 1 year on $10,0002.96% interest rate · Effective Jan 1, 2025
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More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.
2.96% interest rate · Effective Oct 15, 2026
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More details - Bay State BankCertificates of Deposit (CDs) - Standard OfferingsCD · 36 months · $1,000 min
Bank · 7 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
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More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Interest is compounded daily and credited monthly. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Minimum to open $500.
2.96% interest rate · Compounded daily · Effective Oct 31, 2025
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More details - 2.93%APY$293 over 1 year on $10,000
Requirements
Product: Rates are accurate as of September 2, 2026. APY assumes interest remains in the account. CD rates are guaranteed for the term of the Certificate only. Subject to penalty for early withdrawal.
2.90% interest rate · Effective Sep 2, 2026
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More details - 2.79%APY$69 over 3 months on $10,000
Requirements
Product: Compounded monthly, paid at end of term. 90 day penalty for early withdrawal. Interest accrues on balances $1,000.00 and up.
Offer: Interest accrues on balances $1,000.00 and up.
2.75% interest rate · Compounded monthly
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More details - Albright Credit UnionSave to Win! Qualifying Certificate AccountCD · 12 months
Credit union · 1 branch
2.79%APY$279 over 1 year on $10,000Requirements
Product: Dividends are compounded daily and credited monthly using average daily balance. Substantial penalty for early withdrawal. Rates effective 9/21/2026.
Offer: You may win a $25 monthly cash prize!
2.75% interest rate · Compounded daily · Effective Sep 21, 2026
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More details - 2.76%APY$137 over 6 months on $10,000
Requirements
Product: Personal accounts only. Early withdrawal penalty applies. Automatic renewal at maturity.
Offer: Simple interest (not compounded), credited at maturity or paid monthly. Early withdrawal penalty is 2% of withdrawn principal.
2.76% interest rate
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More details - 2.75%APY$68 over 3 months on $10,000
Requirements
Product: Early withdrawals subject to penalty. FDIC/DIF insured. No setup or maintenance fees.
2.68% interest rate
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More details - St. Mary's Credit UnionRelationship Bump-Up CertificatesCD · 30 months · $500 min
Credit union · 7 branches
2.75%APY$702 over 30 months on $10,000with conditionsRequirements
Product: Consumer accounts only. St. Mary's Credit Union membership eligibility required. Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. One bump-up in rate is allowed per 30-Month term (must request the bump-up). 30 month bump-up Certificate automatically renews to a 30 month Certificate. Subject to early withdrawal penalties. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. One bump-up in rate allowed per 30-Month term upon request.
Qualified rate · 2.68% interest rate
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More details - 2.75%APY$1,453 over 60 months on $10,000
Requirements
Product: Special anniversary certificate rates celebrating 100 years.
Effective Jul 19, 2022
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More details - 2.75%APY$1,453 over 60 months on $10,000
Requirements
Product: Deposit insured by FDIC and DIF. Early withdrawal penalty applies. Terms up to 1 year pay simple interest; terms of 1 year or more compound continuously.
Offer: Interest compounded continuously.
Effective Oct 15, 2026
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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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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