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 1–15 results in Peabody, MA
- 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.65% interest rate · Effective Oct 12, 2026
Rate checked
More details - 4.36%APY$661 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Interest compounded and credited monthly. Early withdrawal penalty is 4% of principal. One account per customer.
Promotional rate · 4.28% interest rate · Balance cap $500,000
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More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Rates shown are for new accounts opened and are subject to change after account opening. Credit Union membership is required (membership account with minimum $5.00). Substantial penalty on funds withdrawn prior to maturity. Fees may reduce earnings.
Promotional rate · 4.21% interest rate · Effective Sep 24, 2026
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More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
Offer: Monthly interest compounding. Minimum opening deposit $2,500.
Promotional rate · 4.22% interest rate · Effective Oct 2, 2026
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More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Select 18-Month CD. Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.
4.07% interest rate · Compounded daily · Balance cap $1,000,000 · Effective Oct 6, 2026
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More details - 4.07%APY$201 over 6 months on $10,000intro rate
Requirements
Product: Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.
Offer: Term: 6 months. Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Nov 1, 2025
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More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - 3.81%APY$381 over 1 year on $10,000
Requirements
Product: Minimum balance of $25.00 required to open and maintain account. Penalty may be imposed for early withdrawal.
Offer: Term: 12 months. Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Nov 1, 2025
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% 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 - 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 - 2.76%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
Rate checked
More details - 2.02%APY$50 over 3 months on $10,000
Requirements
Product: Personal accounts only. A penalty may be imposed for early withdrawal. Certificate of Deposit will be renewed automatically at maturity unless instructed otherwise.
Offer: Simple compounding.
2.00% interest rate · Effective Oct 2, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
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 Peabody, MA
164 CDs at 10 banks and credit unions · checked Oct 5–16
- Typical
- 2.00%
- Top 10% from
- 4.13%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.30%
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Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches