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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 121–135 results in Massachusetts

  1. Saint Michaels Federal Credit UnionCertificatesCD · 12 months · $1,000 min

    Credit union · 2 branches

    4.00%APY$400 over 1 year on $10,000
  2. Clinton Savings BankCertificates of Deposit (CDs)CD · 13 months · $500 min

    Bank · 8 branches

    4.00%APY$434 over 13 months on $10,000
  3. Freedom Credit Union13-Month Certificate SpecialCD · 13 months · $500 min

    Credit union · 9 branches

    4.00%APY$434 over 13 months on $10,000intro rate
  4. Westport Federal Credit UnionCertificatesCD · 14 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$468 over 14 months on $10,000intro rate
  5. Top Carrot, Carrot Score 87
    MIT Federal Credit UnionCertificatesCD · 15 months · $500 min

    Credit union · 4 branches

    4.00%APY$502 over 15 months on $10,000
  6. City of Boston Credit UnionShare CertificateCD · 17 months · $500 min

    Credit union · 6 branches

    4.00%APY$571 over 17 months on $10,000
  7. Top Carrot, Carrot Score 87
    St. Anne's Credit UnionCertificates of DepositsCD · 18 months · $1,000 min

    Credit union · 12 branches

    4.00%APY$606 over 18 months on $10,000
  8. Millbury Federal Credit UnionCertificatesCD · 18 months · $500 min

    Credit union · 5 branches

    4.00%APY$606 over 18 months on $10,000
  9. Cambridge Savings Bank19 Month Special CDCD · 19 months · $1,000 min

    Bank · 19 branches

    4.00%APY$641 over 19 months on $10,000intro rate
  10. Rollstone Bank & TrustSpecial CD OffersCD · 20 months · $500 min

    Bank · 7 branches

    4.00%APY$676 over 20 months on $10,000
  11. Top Carrot, Carrot Score 88
    Transportation Federal Credit UnionShare CertificateCD · 20 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$676 over 20 months on $10,000
  12. Stoughton Co-Operative BankCD SpecialsCD · 21–25 months · $500 min

    Bank · 1 branch

    4.00%APYintro rate
  13. Top Carrot, Carrot Score 88
    Bluestone BankFixed Rate CDCD · 12 months · $2,000 min

    Bank · 11 branches

    3.95%APY$395 over 1 year on $10,000intro rate
  14. St. Mary's Credit UnionCertificatesCD · 18 months · $500 min

    Credit union · 7 branches

    3.95%APY$598 over 18 months on $10,000
  15. Freedom Credit Union24-Month Certificate SpecialCD · 24 months · $500 min

    Credit union · 9 branches

    3.95%APY$806 over 24 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