Best CD rates and certificates

Requirements

Product: Must open and maintain a Premium Checking account (requires member to be at least 18 years of age and have minimum monthly direct deposit of $1,500 into Premium Checking). Minimum balance of $10,000 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.

Offer: Limited time promotion.

Requirements

Product: Minimum balance of $500 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.

Offer: Limited time promotion.

Requirements

Product: Membership eligibility requires living, working, worshipping, or attending school in Berlin, Boylston, Clinton, Grafton, Holden, Millbury, Northborough, Shrewsbury, Sterling, Westborough, West Boylston, or Worcester, and opening a $5 savings/share account. Dividends are credited monthly and can be compounded, transferred, or issued as a check. Automatic renewal at maturity. Early withdrawal penalty of 6 months dividends.

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.

Requirements

Product: Available to both consumer and business customers. Online banking customers can open a new CD anytime. Early withdrawal penalty may apply. Interest posts on the 15th of each month and at maturity. No maintenance fees. Online account opening available to New England residents only (MA, RI, CT, VT, NH & ME).

Offer: 15 Month CD Special. Unless changes are made to your account during the 10-day grace period following maturity, renews for a 12-month term at the then current rate. Available to consumer and business customers. Not valid on IRA CDs. Penalty may be imposed for early withdrawal.

Requirements

Product: Must be funded only by New Money. Terms from 8 months to 15 months. Penalty may be imposed for early withdrawal. Limited time offer.

Offer: Funded only by New Money.

Requirements

Product: Fixed interest rate for the length of the term. No setup or maintenance fees. Early withdrawal penalties apply. Interest is compounded daily and credited on the last day of the month.

Offer: 13-Month Special. Municipalities not eligible. At maturity, reverts to a 12-month CD with non-promotional APY at that time. Not combinable with other promotional offers.

Requirements

Product: Interest compounded continuously for terms of 1 year or more. Penalty for early withdrawal may be imposed. Additional maturities are available.

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.

Requirements

Product: The APY assumes interest will remain on deposit until maturity; a withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. The daily compounding method is used on all certificates of deposit except on 6 month certificates of deposit, which are compounded monthly. Fees or other conditions could reduce the earning on the accounts shown above. Rates are subject to change without prior notice.

Offer: Compounded monthly. Penalty may be imposed for early withdrawal.

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.

Requirements

Product: Rates guaranteed for length of term. Penalty for early withdrawal. CDs that auto-renew with balances less than $500.00 will not earn interest. Available terms range from 6 months to 5 years.

Offer: Assumes principal and interest remain on deposit for term length.

Requirements

Product: Minimum opening balance of $100 to open and earn APY. Principal balance limit of $10,000 max per certificate. Only one Boost Certificate allowed per member. Additional deposits can be made in increments of $100 or more up to $10,000 total. If member is 17 years of age or younger, a parent or guardian (credit union member) must be a joint account owner.

Offer: Additional deposits allowed in increments of $100 or more up to $10,000 maximum principal balance.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

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.