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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 91–105 results in Massachusetts

  1. Lowell Firefighters FCUCertificates of DepositsCD · 60 months · $1,000 min

    Credit union · 1 branch

    4.07%APY$2,208 over 60 months on $10,000
  2. Top Carrot, Carrot Score 94
    American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min

    Credit union · 2 branches

    4.07%APY$2,208 over 60 months on $10,000
  3. Top Carrot, Carrot Score 87
    Millbury National BankCD SpecialsCD · 7 months · $500 min

    Bank · 1 branch

    4.06%APY$235 over 7 months on $10,000intro rate
  4. East Cambridge Savings Bank14-Month CDCD · 14 months · $1,000 min

    Bank · 11 branches

    4.06%APY$475 over 14 months on $10,000with conditions
  5. Top Carrot, Carrot Score 94
    American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min

    Credit union · 2 branches

    4.05%APY$200 over 6 months on $10,000
  6. Alltrust Credit UnionShare CertificatesCD · 8 months · $1,000 min

    Credit union · 4 branches

    4.05%APY$268 over 8 months on $10,000intro rate
  7. Worcester Credit UnionShare CertificatesCD · 9 months · $500 min

    Credit union · 1 branch

    4.05%APY$302 over 9 months on $10,000
  8. Top Carrot, Carrot Score 88
    Newburyport Bank10 Month Certificate of Deposit SpecialCD · 10 months · $500 min

    Bank · 6 branches

    4.05%APY$336 over 10 months on $10,000intro rate
  9. Top Carrot, Carrot Score 87
    Pentucket Bank10 Month Certificate of Deposit SpecialCD · 10 months · $500 min

    Bank · 4 branches

    4.05%APY$336 over 10 months on $10,000intro rate
  10. Bay State BankCertificate of Deposits (CDs) - SpecialsCD · 11 months · $1,000 min

    Bank · 7 branches

    4.05%APY$371 over 11 months on $10,000intro rate
  11. Freedom Credit Union36-Month Certificate SpecialCD · 36 months · $500 min

    Credit union · 9 branches

    4.05%APY$1,265 over 36 months on $10,000intro rate
  12. Freedom Credit UnionSavings CertificateCD · 36 months · $500 min

    Credit union · 9 branches

    4.05%APY$1,265 over 36 months on $10,000
  13. 600 Atlantic FCUCertificate of DepositCD · 12 months · $2,500 min

    Credit union · 1 branch

    4.03%APY$403 over 1 year on $10,000
  14. NBT BankPortland Bayside: Exclusive CD Rate PromoCD · 4 months · $1,000 min

    Bank · 7 branches

    4.00%APY$132 over 4 months on $10,000intro rate
  15. Top Carrot, Carrot Score 88
    Newburyport Bank5 Month Certificate of Deposit SpecialCD · 5 months · $500 min

    Bank · 6 branches

    4.00%APY$165 over 5 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

* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.

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