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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 16–30 results in Massachusetts

  1. Central One Federal Credit UnionRegular CertificatesCD · 15 months · $500 min

    Credit union · 9 branches

    4.45%APY$559 over 15 months on $10,000
  2. Top Carrot, Carrot Score 95
    GFA FCUTerm Share CertificateCD · 48 months · $500 min

    Credit union · 4 branches

    4.45%APY$1,902 over 48 months on $10,000
  3. Mass Bay Credit UnionCertificatesCD · 14 months · $500 min

    Credit union · 4 branches

    4.44%APY$520 over 14 months on $10,000intro rate
  4. Somerville's Credit UnionTerm CertificatesCD · 8 months

    Credit union · 2 branches

    4.39%APY$290 over 8 months on $10,000intro rate
  5. Top Carrot, Carrot Score 87
    Salem Five BankSpecial CDsCD · 18 months · $10,000 min

    Bank · 33 branches

    4.36%APY$661 over 18 months on $10,000intro rate
  6. Top Carrot, Carrot Score 87
    Leader BankCertificates of DepositCD · 15 months · $1,000 min

    Bank · 7 branches

    4.35%APY$547 over 15 months on $10,000
  7. Top Carrot, Carrot Score 88
    Newburyport Bank20 Month Certificate of Deposit SpecialCD · 20 months · $500 min

    Bank · 6 branches

    4.35%APY$735 over 20 months on $10,000intro rate
  8. Harvard Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min

    Credit union · 6 branches

    4.35%APY$2,373 over 60 months on $10,000
  9. Top Carrot, Carrot Score 89
    MASSMUTUALShare CertificateCD · 15 months · $500 min

    Credit union · 1 branch

    4.33%APY$544 over 15 months on $10,000intro rate
  10. Milford FederalCertificates of DepositCD · 5 months · $1,000 min

    Bank · 3 branches

    4.30%APY$177 over 5 months on $10,000
  11. Webster First Federal Credit UnionHigh Yield Share CertificateCD · 9 months · $1,000 min

    Credit union · 14 branches

    4.30%APY$321 over 9 months on $10,000intro rate
  12. BCUNew Money CD SpecialsCD · 15 months · $500 min

    Credit union · 1 branch

    4.30%APY$540 over 15 months on $10,000intro rate
  13. BankFive15 Month CDCD · 15 months · $500 min

    Bank · 12 branches

    4.30%APY$540 over 15 months on $10,000
  14. Top Carrot, Carrot Score 93
    Members Plus Credit UnionMembers Plus Certificate of DepositCD · 15 months · $500 min

    Credit union · 7 branches

    4.30%APY$540 over 15 months on $10,000
  15. Metro Credit UnionCertificate of DepositCD · 15 months · $500 min

    Credit union · 17 branches

    4.30%APY$540 over 15 months on $10,000intro rate

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