Massachusetts Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Massachusetts CD rates range from 0.75% to 4.75% APY, verified by MonitorBankRates as of October 15, 2026. Current Massachusetts CD rates include Rockland Federal Credit UnionRockland Federal Credit Union241 Union St, Rockland, MA 02370A+5.0 ★Texas Ratio: 3.09%Real return: +1.95%APY minus CPI (February 2026) offering 3 Year Share Certificate at 4.75% APY, Energy Credit UnionEnergy Credit Union156 Spring St, West Roxbury, MA 02132A+5.0 ★Texas Ratio: 5.81%Real return: +1.95%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.75% APY, Happen BankHappen Bank1 Harbor St, Boston, MA 02210A+5.0 ★Texas Ratio: 2.06%Real return: +1.80%APY minus CPI (February 2026) offering Consumer Certificate of Deposit - 2 years at 4.60% APY, Cranberry Federal Credit UnionCranberry Federal Credit Union2203 Cranberry Hwy, West Wareham, MA 02576 1210A+5.0 ★Texas Ratio: 5.35%Real return: +1.79%APY minus CPI (February 2026) offering 12-Month CD at 4.59% APY, and Northern Bank & Trust CompanyNorthern Bank & Trust Company275 Mishawum Rd, Woburn, MA 01801A5.0 ★Texas Ratio: 13.93%Real return: +1.70%APY minus CPI (February 2026) offering Premium Certificate of Deposit - 12 months at 4.50% APY. CD rates as of October 15, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Massachusetts side-by-side. Massachusetts CD rates currently reach as high as 4.75% APY from Rockland Federal Credit Union at 241 Union St, Rockland, MA 02370. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 15, 2026
Compare Best CD Rates in Massachusetts
Massachusetts 3 Month CD Rates
MonitorBankRates Massachusetts Average · 3 Month CD1.99% APY▲ 0.02% from last weekNational 2.12%
The average 3-month CD rate in Massachusetts is 1.99% APY, compared with 2.12% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Month CD
$1,000
4.25%
▲ 2.26% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 2.26% above avgNationally 2.12%
Details
High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
3 Month Share Certificate
$1,000
4.00%
▲ 2.01% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average1.99%▲ 2.01% above avgNationally 2.12%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 12, 20263.50%first recorded
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
947 Western Ave, Lynn, MA 01905 2640
3 Month Certificate of Deposit
$0
3.90%
▲ 1.91% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.99%▲ 1.91% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 3 Months
$1,000
3.85%
▲ 1.86% above Massachusetts avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.86% above avgNationally 2.12%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 24, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1150 Purchase St, New Bedford, MA 02740 6635
3 Month Certificate of Deposit
$0
3.85%
▲ 1.86% above Massachusetts avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.99%▲ 1.86% above avgNationally 2.12%
Details
SPECIAL
Rate History
No change since Oct 13, 2026 · 3.85% APY
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
3 Month Certificate of Deposit
$1,000
3.80%
▲ 1.81% above Massachusetts avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.81% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
3 Month IRA Certificate of Deposit
$250
3.80%
▲ 1.81% above Massachusetts avg
▼
Rate3.73%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.81% above avgNationally 2.12%
Details
Minimum to Obtain APY: N/A
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 7 times
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
243 Broadway, Methuen, MA 01844
3 Month CD
$1,000
3.75%
▲ 1.76% above Massachusetts avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.99%▲ 1.76% above avgNationally 2.12%
Details
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 Merrimack St, Lawrence, MA 01843
Certificate Accounts - 3 Month Premium
$50,000
3.65%
▲ 1.66% above Massachusetts avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.66% above avgNationally 2.12%
Details
Premium
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 3 times
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Month Certificate
$1,000
3.60%
▲ 1.61% above Massachusetts avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.99%▲ 1.61% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 7 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
3 Month CD
$0
3.60%
▲ 1.61% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average1.99%▲ 1.61% above avgNationally 2.12%
Details
Earn Up To
Rate History
3 changes since Sep 14, 2026 · 2.20% → 3.60% ▲ 1.40 pts · high 3.60% / low 2.20%
- Oct 8, 20263.60%▲ from 2.20%
- Sep 25, 20262.20%▼ from 3.60%
- Sep 18, 20263.60%▲ from 2.20%
- Sep 14, 20262.20%first recorded
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 Merrimack St, Lawrence, MA 01843
Certificate Accounts - 3 Month
$500
3.55%
▲ 1.56% above Massachusetts avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.56% above avgNationally 2.12%
Details
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
Business 3 Month Certificate of Deposit
$1,000
3.50%
▲ 1.51% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.51% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
3 Month Certificate of Deposit
$1,000
3.50%
▲ 1.51% above Massachusetts avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.51% above avgNationally 2.12%
Details
Minimum balance of $1,000 required to obtain the disclosed APY
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
3 Month Fixed Rate CD
$0
3.50%
▲ 1.51% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.99%▲ 1.51% above avgNationally 2.12%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits - 3 Month
$0
3.50%
▲ 1.51% above Massachusetts avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.51% above avgNationally 2.12%
Details
Balance: $1,000 & up; Must maintain a Prime Time Checking account; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.50% APY
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 3 Month
$500
3.50%
▲ 1.51% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.51% above avgNationally 2.12%
Details
Relationship rate; requires Relationship Checking requirements to be maintained
Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
- Oct 14, 20263.50%▲ from 0.65%
- Sep 14, 20260.65%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
3.50%
▲ 1.51% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.51% above avgNationally 2.12%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
- Oct 14, 20263.50%▲ from 0.65%
- Sep 14, 20260.65%first recorded
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
375 Merrimack St, Lowell, MA 01852 5909
3 Month Share Certificate
$500
3.39%
▲ 1.40% above Massachusetts avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average1.99%▲ 1.40% above avgNationally 2.12%
Details
Effective March 13, 2026
Rate History
No change since Sep 24, 2026 · 3.39% APY · checked 4 times
MutualOne Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.48%
828 Concord St, Framingham, MA 01701
3 Month CD
$500
3.35%
▲ 1.36% above Massachusetts avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.36% above avgNationally 2.12%
Details
New money to the Bank required; Interest paid at maturity; Statement Only
Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 9 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Certificates & Individual Retirement Accounts - 3 Month
$500
3.35%
▲ 1.36% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.36% above avgNationally 2.12%
Details
Minimum daily balance to earn APY: $500.00
Rate History
1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50%
- Oct 14, 20263.35%▲ from 0.50%
- Sep 14, 20260.50%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
3.35%
▲ 1.36% above Massachusetts avg
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.36% above avgNationally 2.12%
Details
Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50%
- Oct 14, 20263.35%▲ from 0.50%
- Sep 14, 20260.50%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
3 Month Business Share Certificate
$0
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Minimum Daily Balance to obtain APY: $500.00
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
3 Month Share & IRA Certificates
$0
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
3 Month Share Certificate
$500
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1 College Ave, Somerville, MA 02144
3 Month CD
$500
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
CD Specials; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 9 times
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1 College Ave, Somerville, MA 02144
Business 3 Month CD
$500
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
CD Specials Rates; Effective: October 1, 2026
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 8 times
Coastal Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
744 Broad St, East Weymouth, MA 02189
3 Month IRA Certificates of Deposit
$500
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Minimum Amount Required to Earn APY: $.01
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 6 times
Coastal Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
744 Broad St, East Weymouth, MA 02189
Certificates of Deposit - 3 Months
$1,000
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.25% APY
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
Certificates of Deposit - 3 Month
$500
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Visit a branch
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 7 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
63 State St, Newburyport, MA 01950
3 Month Certificate of Deposit
$500
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
Term Share Certificates - 3 Months
$500
3.25%
▲ 1.26% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Minimum balance to earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 3.25% APY
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
3 Month IRA Certificates
$1,000
3.25%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
Certificates of Deposits - 3 Months
$1,000
3.25%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.26% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
3 Month CD
$500
3.20%
▲ 1.21% above Massachusetts avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.21% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
70 Westview St, Lexington, MA 02421 3142
3 Months High Yield Certificate
$500
3.10%
▲ 1.11% above Massachusetts avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.11% above avgNationally 2.12%
Details
New Money Only: No; May be used for Traditional and Roth accounts: No; Open account
Rate History
No change since Oct 14, 2026 · 3.10% APY
Cambridge Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
Certificates Of Deposit - 3 Months
$0
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
- Oct 2, 20263.00%▼ from 3.25%
- Sep 18, 20263.25%first recorded
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
42 Main St, Hudson, MA 01749
3 Month Certificates of Deposit
$1,000
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Daily Minimum Balance to Obtain APY: $1,000
Rate History
No change since Oct 14, 2026 · 3.00% APY
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
3-Month Business CD
$0
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
3-Month CD
$0
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
78 Main St, Edgartown, MA 02539
3-Month CD
$1,000
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Interest Rate 2.96%; APY* 3.00%; Minimum opening $1,000; Rates effective: September 25, 2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.00% ▼ 0.35 pts · high 3.35% / low 3.00%
- Sep 28, 20263.00%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
Certificate of Deposit - 3 Month
$0
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Balance: $5,000 minimum daily balance tier; early withdrawal penalty may be imposed
Rate History
2 changes since Sep 30, 2026 · 3.65% → 3.00% ▼ 0.65 pts · high 3.65% / low 3.00%
- Oct 14, 20263.00%▼ from 3.14%
- Oct 8, 20263.14%▼ from 3.65%
- Sep 30, 20263.65%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 3 Month
$500
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 15, 2026 · 3.00% APY
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
300 Granite St Fl 3, Braintree, MA 02184 3909
Certificates of Deposit (CDs) - 3 Month
$500
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
30 Pond St, Sharon, MA 02067 2040
3 Month Certificate
$0
3.00%
▲ 1.01% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Certificates; Effective Date: July 9, 2026
Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 2 times
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
30 Pond St, Sharon, MA 02067 2040
Certificates - 3 Months
$0
3.00%
▲ 1.01% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.99%▲ 1.01% above avgNationally 2.12%
Details
Fixed rate for the term; penalty may apply for early withdrawal; minimum balance required to open and earn the stated APY
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Morton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
88 washington st, taunton, MA 02780 2465
3 Month CD
$0
2.79%
▲ 0.80% above Massachusetts avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average1.99%▲ 0.80% above avgNationally 2.12%
Details
Interest accrues on balances $1,000.00 and up
Rate History
No change since Oct 15, 2026 · 2.79% APY
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
75 Park St, Lee, MA 01238
3 Month Certificate
$500
2.75%
▲ 0.76% above Massachusetts avg
▼
Rate2.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.99%▲ 0.76% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
99 Chestnut St, North Attleboro, MA 02760
Certificate Of Deposit - 3 month
$1,000
2.75%
▲ 0.76% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.99%▲ 0.76% above avgNationally 2.12%
Details
Rate History
No change since Oct 13, 2026 · 2.75% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
99 Chestnut St, North Attleboro, MA 02760
IRA Certificate Of Deposit - 3 month
$500
2.75%
▲ 0.76% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.99%▲ 0.76% above avgNationally 2.12%
Details
Minimum to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Massachusetts 6 Month CD Rates
MonitorBankRates Massachusetts Average · 6 Month CD2.73% APY▲ 0.04% from last weekNational 2.79%
The average 6-month CD rate in Massachusetts is 2.73% APY, compared with 2.79% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 6 months
$500
4.30%
▲ 1.57% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.57% above avgNationally 2.79%
Details
Maximum opening deposit $500,000.00; Guaranteed rate for the duration of the CD term; Rates may change prior to account opening
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
6 Month CD
$1,000
4.25%
▲ 1.52% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.52% above avgNationally 2.79%
Details
High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
6-Month CD
$0
4.20%
▲ 1.47% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.47% above avgNationally 2.79%
Details
Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Sep 24, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 6 Months
$1,000
4.20%
▲ 1.47% above Massachusetts avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.47% above avgNationally 2.79%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Sep 24, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
6 Month Certificate of Deposit
$1,000
4.20%
▲ 1.47% above Massachusetts avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.73%▲ 1.47% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.20% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
6 Month CD
$0
4.20%
▲ 1.47% above Massachusetts avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.47% above avgNationally 2.79%
Details
Early Withdrawal Penalty: 3 months' interest; Interest Rate/APY: 4.11% / 4.20%
Rate History
1 change since Sep 24, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
- Oct 1, 20264.20%▲ from 3.95%
- Sep 24, 20263.95%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5 Cheshire Rd, Pittsfield, MA 01201
6 Month CD
$500
4.15%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.42% above avgNationally 2.79%
Details
CD Rates; $500 minimum opening deposit and minimum balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.15% APY
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5 Cheshire Rd, Pittsfield, MA 01201
6 Months CD
$0
4.15%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.42% above avgNationally 2.79%
Details
Certificates of Deposit Specials
Rate History
1 change since Sep 24, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
- Oct 14, 20264.15%▲ from 3.40%
- Sep 24, 20263.40%first recorded
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
6 Month Certificate
$2,500
4.10%
▲ 1.37% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.37% above avgNationally 2.79%
Details
Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 7 times
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
Business 6 Month Certificate
$2,500
4.10%
▲ 1.37% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.37% above avgNationally 2.79%
Details
Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 8 times
Canton Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
671 Washington St, Canton, MA 02021
6 Month CD
$0
4.10%
▲ 1.37% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.37% above avgNationally 2.79%
Details
Rate History
1 change since Sep 19, 2026 · 2.02% → 4.10% ▲ 2.08 pts · high 4.10% / low 2.02%
- Oct 7, 20264.10%▲ from 2.02%
- Sep 19, 20262.02%first recorded
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
248 Broadway, Methuen, MA 01844
Certificate of Deposit - 6 Month SPECIAL
$1,000
4.07%
▲ 1.34% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.34% above avgNationally 2.79%
Details
Available as IRA CD; Penalties may be imposed for early withdrawals
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
947 Western Ave, Lynn, MA 01905 2640
6 Month Certificate of Deposit
$0
4.07%
▲ 1.34% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.73%▲ 1.34% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
6 Month CD
$500
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
6 Month Business Share Certificate
$0
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Minimum Daily Balance to obtain APY: $250.00
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
6 Month Share & IRA Certificates
$0
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
6 Month Share Certificate
$250
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
6 Month Homeowner CD
$0
4.00%
▲ 1.27% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Homeowner CD; additional annualized bonus equal to interest earned in first six months if you also close a home mortgage loan with Leader Bank within that six-month term; effective annualized return 8.00% (not a separate rate)
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
400 Broadway, Lynn, MA 01904
6-Month CD
$500
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Rate History
No change since Oct 11, 2026 · 4.00% APY
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
6-Month CD
$0
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
6 Month IRA Certificates
$500
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
6 Month Share Certificate
$1,000
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
271 Greenwood St, Worcester, MA 01607
Certificate - 6 Month
$0
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Annual Percentage Yield accurate as of October 5, 2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
271 Greenwood St, Worcester, MA 01607
IRA Certificate - 6 Month
$0
4.00%
▲ 1.27% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.27% above avgNationally 2.79%
Details
Rate History
1 change since Oct 5, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 9, 20264.00%▲ from 3.65%
- Oct 5, 20263.65%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
6 Month High-Yield CD
$500
3.95%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.22% above avgNationally 2.79%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
2 changes since Sep 18, 2026 · 4.35% → 3.95% ▼ 0.40 pts · high 4.40% / low 3.95%
- Oct 14, 20263.95%▼ from 4.40%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
6 months High-Yield CD
$500
3.95%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.22% above avgNationally 2.79%
Details
Early Withdrawal Penalty: Yes
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
6 Month Certificate
$0
3.95%
▲ 1.22% above Massachusetts avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.22% above avgNationally 2.79%
Details
Dividends post at certificate maturity; rates effective as of 10/15/2026; maximum balance $1,000,000 per member
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
IRA Certificates 6 Months
$0
3.95%
▲ 1.22% above Massachusetts avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.22% above avgNationally 2.79%
Details
NCUA-insured: Yes; Rates effective as of 10/15/2026
Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 3 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
6 month Certificate
$0
3.95%
▲ 1.22% above Massachusetts avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.22% above avgNationally 2.79%
Details
Term Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 5, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
All One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
910 W Boylston St, Worcester, MA 01606
Term Share Certificate - 6 Month
$500
3.95%
▲ 1.22% above Massachusetts avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.73%▲ 1.22% above avgNationally 2.79%
Details
Term Share Certificates / Term Share IRAs; APY effective 09/22/2026; new money required
Rate History
No change since Oct 13, 2026 · 3.95% APY
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
6 Months Term Share Certificate (CD & IRA)
$500
3.95%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.22% above avgNationally 2.79%
Details
Regular CD - min $500; Jumbo CD not offered at this term; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 3 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
6 Month Certificate of Deposit
$1,000
3.90%
▲ 1.17% above Massachusetts avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.17% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
6 Month IRA Certificate of Deposit
$250
3.90%
▲ 1.17% above Massachusetts avg
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.17% above avgNationally 2.79%
Details
Minimum to Obtain APY: N/A
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 7 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
6 Month TDC
$0
3.90%
▲ 1.17% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.17% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
6 Month Term Deposit Certificate
$0
3.90%
▲ 1.17% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.17% above avgNationally 2.79%
Details
Balance: $10.00; (1)
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 6 Month TDC
$0
3.90%
▲ 1.17% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.17% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1336 Massachusetts Ave, Cambridge, MA 02138
6 Month CD/IRA CD
$2,500
3.90%
▲ 1.17% above Massachusetts avg
▼
Rate3.86%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.17% above avgNationally 2.79%
Details
Rate History
1 change since Sep 30, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
- Oct 3, 20263.90%▲ from 3.85%
- Sep 30, 20263.85%first recorded
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
49 Church St, Whitinsville, MA 01588
6 Month IRA CD
$0
3.85%
▲ 1.12% above Massachusetts avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.12% above avgNationally 2.79%
Details
Short Term Statement Certificates of Deposit; IRA; early withdrawal penalty may be imposed; additional maturities are available
Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 7 times
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
6 Month Standard Share Certificate
$1,000
3.85%
▲ 1.12% above Massachusetts avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.12% above avgNationally 2.79%
Details
Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
Standard CD - 6 months
$1,000
3.85%
▲ 1.12% above Massachusetts avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.12% above avgNationally 2.79%
Details
Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10 Holden St, Malden, MA 02148
Certificate of Deposit - 6 Months
$500
3.82%
▲ 1.09% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.09% above avgNationally 2.79%
Details
Interest compounded and paid monthly; substantial penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
6-Month Business CD
$0
3.80%
▲ 1.07% above Massachusetts avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.07% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
6-Month HSA CD
$0
3.80%
▲ 1.07% above Massachusetts avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.07% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
6 Month Share Certificate
$500
3.79%
▲ 1.06% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.06% above avgNationally 2.79%
Details
Tier 1; Tier level determined by opening deposit; All Share Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal (terms 12 months or under)
Rate History
No change since Oct 8, 2026 · 3.79% APY · checked 3 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 1 - 6 Month
$500
3.79%
▲ 1.06% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.06% above avgNationally 2.79%
Details
Tier 1; IRA Certificate of Deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under; Tier level determined by opening deposit
Rate History
No change since Oct 15, 2026 · 3.79% APY
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 2 - 6 Month
$25,000
3.79%
▲ 1.06% above Massachusetts avg
▼
Rate3.75%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.06% above avgNationally 2.79%
Details
Tier 2; IRA Certificate of Deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under; Tier level determined by opening deposit
Rate History
No change since Oct 15, 2026 · 3.79% APY
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
6 Month Fixed
$0
3.76%
▲ 1.03% above Massachusetts avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.03% above avgNationally 2.79%
Details
Rate History
2 changes since Sep 14, 2026 · 3.24% → 3.76% ▲ 0.52 pts · high 3.76% / low 3.24%
- Oct 9, 20263.76%▲ from 3.40%
- Oct 5, 20263.40%▲ from 3.24%
- Sep 14, 20263.24%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
IRA 6 Month Fixed
$0
3.76%
▲ 1.03% above Massachusetts avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.73%▲ 1.03% above avgNationally 2.79%
Details
Dividend Rate; APY
Rate History
No change since Oct 15, 2026 · 3.76% APY
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
Business 6 Month Community Certificate of Deposit Special
$1,000
3.75%
▲ 1.02% above Massachusetts avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.73%▲ 1.02% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
243 Broadway, Methuen, MA 01844
6 Month CD
$1,000
3.75%
▲ 1.02% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.73%▲ 1.02% above avgNationally 2.79%
Details
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
Massachusetts 12 Month CD Rates
MonitorBankRates Massachusetts Average · 12 Month CD2.81% APY▲ 0.02% from last weekNational 3.01%
The average 12-month CD rate in Massachusetts is 2.81% APY, compared with 3.01% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month CD
$100,000
4.59%
▲ 1.78% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.78% above avgNationally 3.01%
Details
Balance tier: $100.000.00
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 5, 20264.59%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month Traditional/Roth IRA CD
$100,000
4.59%
▲ 1.78% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.78% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Sep 29, 20264.59%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
Premium Certificate of Deposit - 12 months
$500
4.50%
▲ 1.69% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.69% above avgNationally 3.01%
Details
In-Branch Only; Must Open In-Branch
Rate History
No change since Oct 14, 2026 · 4.50% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
12 Month IRA Certificates
$500
4.50%
▲ 1.69% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.69% above avgNationally 3.01%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 4, 20264.50%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
12 Month Share Certificate
$1,000
4.50%
▲ 1.69% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.69% above avgNationally 3.01%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 17, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 15, 20264.50%▲ from 3.75%
- Sep 17, 20263.75%first recorded
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
71 Station Lndg, Medford, MA 02155 5191
12 Month Certificate
$0
4.50%
▲ 1.69% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.69% above avgNationally 3.01%
Details
Special Rate; featured rate from homepage; View all rate specials
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month CD
$500
4.44%
▲ 1.63% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.63% above avgNationally 3.01%
Details
Balance tier: $500.00
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Oct 5, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month Traditional/Roth IRA CD
$500
4.44%
▲ 1.63% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.63% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Sep 29, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
12 Month High-Yield CD
$500
4.40%
▲ 1.59% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.59% above avgNationally 3.01%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
12 months High-Yield CD
$500
4.40%
▲ 1.59% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.59% above avgNationally 3.01%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
12-Month CD
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 3.01%
Details
Maximum deposit $250,000; Open now
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 14, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 12 Months
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 3.01%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 24, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
12 Month Share Certificate
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 3.01%
Details
Tier 1; Tier level determined by opening deposit; All Share Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal (terms 12 months or under)
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 3 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 1 - 12 Month
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 3.01%
Details
Tier 1; IRA Certificate of Deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under; Tier level determined by opening deposit
Rate History
No change since Oct 15, 2026 · 4.25% APY
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 2 - 12 Month
$25,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 3.01%
Details
Tier 2; IRA Certificate of Deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under; Tier level determined by opening deposit
Rate History
No change since Oct 15, 2026 · 4.25% APY
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
12 Month Certificate of Deposit
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
1 Year Certificate
$1,000
4.20%
▲ 1.39% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.39% above avgNationally 3.01%
Details
Rate History
1 change since Sep 11, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 24, 20264.20%▲ from 4.05%
- Sep 11, 20264.05%first recorded
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
Business 1 Year Certificate
$1,000
4.20%
▲ 1.39% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.39% above avgNationally 3.01%
Details
Rate History
1 change since Sep 11, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 24, 20264.20%▲ from 4.05%
- Sep 11, 20264.05%first recorded
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
400 Broadway, Lynn, MA 01904
12-Month CD
$500
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 3.01%
Details
Rate History
No change since Oct 11, 2026 · 4.15% APY
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
12 Month IRA TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 3.01%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
12 Month TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 3.01%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 12 Month TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 3.01%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 12 Month IRA TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 3.01%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
1 Year Share Certificate
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 3.01%
Details
Compounding: Monthly; Minimum to earn APY: $500
Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 3 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
Term Share Certificates - 12 Months
$500
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 3.01%
Details
Minimum balance to earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 4.15% APY
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
12 Month Business Share Certificate
$0
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 3.01%
Details
Minimum Daily Balance to obtain APY: $500.00
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
12 Month Share & IRA Certificates
$0
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 3.01%
Details
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
12 Month Share Certificate
$500
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits - 1 Year
$0
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 3.01%
Details
Balance: $1,000 & up; Must maintain a Prime Time Checking account; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.10% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
12 Month CD
$0
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 3.01%
Details
Early Withdrawal Penalty: 3 months' interest; Interest Rate/APY: 4.02% / 4.10%
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 1, 20264.10%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
34 GLENNIE ST, WORCESTER, MA 01605
CD 12 Months
$1,000
4.08%
▲ 1.27% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.27% above avgNationally 3.01%
Details
Minimum Deposit of $1,000; Early Withdraw Fee does apply
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month Certificate
$1,000
4.07%
▲ 1.26% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.26% above avgNationally 3.01%
Details
Regular Share Certificate; rates effective October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.26 pts · high 4.07% / low 3.82%
- Sep 24, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month IRA Certificate
$0
4.07%
▲ 1.26% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.26% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.26 pts · high 4.07% / low 3.82%
- Sep 25, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 12 Month
$500
4.07%
▲ 1.26% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.26% above avgNationally 3.01%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 15, 2026 · 4.07% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1 Year CD
$500
4.05%
▲ 1.24% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.24% above avgNationally 3.01%
Details
Rates on certificates of deposit are guaranteed for the length of the term
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1 Year IRA CD
$500
4.05%
▲ 1.24% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.24% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business Certificates of Deposit - 1 Year CD
$500
4.05%
▲ 1.24% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.24% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business SEP (Simplified Employee Pension) IRA Certificates - 1 Year IRA CD
$500
4.05%
▲ 1.24% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.24% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business SEP 1 Year IRA CD
$500
4.05%
▲ 1.24% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.24% above avgNationally 3.01%
Details
SEP (Simplified Employee Pension) IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
1 Year CD
$1,000
4.05%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.24% above avgNationally 3.01%
Details
High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26
Rate History
No change since Oct 6, 2026 · 4.05% APY · checked 3 times
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
71 Washington St, Salem, MA 01970
12-month CD
$10,000
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Special CD; minimum balance of $10,000 required to open and obtain APY; maximum deposit $500,000; personal accounts only; penalty for premature withdrawal; Open online
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
12 Month CD
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2 S Water St, Edgartown, MA 02539
1-Year CD
$1,000
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Compounded: Daily
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
12 Month CD - Premier5 Banking
$1,000
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Open Now; Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Non-Profit Certificates of Deposit (CDs) Accounts - 12 Month CD
$1,000
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 12 Month - Premier5 Banking
$1,000
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
30 Boston St Ste 9, Lynn, MA 01904
1 year CD
$0
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
1 Year Certificate
$0
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Dividends compound quarterly; rates effective as of 10/15/2026; maximum balance $1,000,000 per member
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
IRA Certificates 12 months
$0
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Traditional/Roth/SEP IRA certificate; rates effective as of 10/15/2026; NCUA-insured
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
12 month Certificate
$0
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 3.01%
Details
Term Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 5, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Massachusetts 18 Month CD Rates
MonitorBankRates Massachusetts Average · 18 Month CD2.81% APY▼ 0.01% from last weekNational 2.88%
The average 18-month CD rate in Massachusetts is 2.81% APY, compared with 2.88% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
18-Month CD
$500
4.49%
▲ 1.68% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.68% above avgNationally 2.88%
Details
Balance tier: $500.00
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Oct 5, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
18-Month Traditional/Roth IRA CD
$500
4.49%
▲ 1.68% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Sep 29, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
18 Month High-Yield CD
$500
4.40%
▲ 1.59% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.59% above avgNationally 2.88%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
18 months High-Yield CD
$500
4.40%
▲ 1.59% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.59% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
71 Washington St, Salem, MA 01970
18-Month CD
$10,000
4.36%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.55% above avgNationally 2.88%
Details
Special CD; minimum balance of $10,000 required to open and obtain APY; maximum deposit $500,000; personal accounts only; penalty for premature withdrawal; Open online
Rate History
No change since Oct 7, 2026 · 4.36% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
18-Month CD
$0
4.35%
▲ 1.54% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.54% above avgNationally 2.88%
Details
Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 18 Months
$1,000
4.35%
▲ 1.54% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.54% above avgNationally 2.88%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1336 Massachusetts Ave, Cambridge, MA 02138
18 Month CD/IRA CD
$2,500
4.30%
▲ 1.49% above Massachusetts avg
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.49% above avgNationally 2.88%
Details
Rate History
1 change since Sep 30, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 30, 20264.10%first recorded
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
18 Month Certificate of Deposit
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 20, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 8, 20264.25%▲ from 4.00%
- Oct 3, 20264.00%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
Certificates of Deposit - 18 Months
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 20, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 8, 20264.25%▲ from 4.00%
- Oct 3, 20264.00%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits - 18 Month
$0
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Balance: $1,000 & up; Must maintain a Prime Time Checking account; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.25% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
18 Month IRA Certificates
$500
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
18 Month Share Certificate
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
18 Month Share Certificate
$0
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Compounding: Monthly; Minimum to earn APY: $500
Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 3 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
18 Month Certificate of Deposit
$1,000
4.25%
▲ 1.44% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
155 West St, Ware, MA 01082
Relationship 18 Month CD
$500
4.23%
▲ 1.42% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.42% above avgNationally 2.88%
Details
Eligibility Requirement: Primary or Joint Owner on Relationship Rewards Checking; Open Online: Open Now; Minimum balance to earn APY is $500
Rate History
No change since Oct 3, 2026 · 4.23% APY · checked 4 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 18 Month
$500
4.20%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.39% above avgNationally 2.88%
Details
Relationship rate; requires Relationship Checking requirements to be maintained
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
- Oct 14, 20264.20%▲ from 3.45%
- Sep 14, 20263.45%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
4.20%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.39% above avgNationally 2.88%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 14, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
Certificate of Deposit - 18 Month
$1,000
4.18%
▲ 1.37% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.37% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.18% APY
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2 S Water St, Edgartown, MA 02539
Select 18-Month CD
$1,000
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Compounded: Daily
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
18 Month IRA TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
18 Month TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 18 Month TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 18 Month IRA TDC
$0
4.15%
▲ 1.34% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.81%▲ 1.34% above avgNationally 2.88%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month Certificate
$1,000
4.13%
▲ 1.32% above Massachusetts avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.32% above avgNationally 2.88%
Details
Regular Share Certificate; rates effective October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- Sep 24, 20264.13%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month IRA Certificate
$0
4.13%
▲ 1.32% above Massachusetts avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- Sep 25, 20264.13%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1.5 Year CD
$500
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 2.88%
Details
Rates on certificates of deposit are guaranteed for the length of the term
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1.5 Year IRA CD
$500
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business Certificates of Deposit - 1.5 Year CD
$500
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.10% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business SEP 1.5 Year IRA CD
$500
4.10%
▲ 1.29% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.81%▲ 1.29% above avgNationally 2.88%
Details
SEP (Simplified Employee Pension) IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
155 West St, Ware, MA 01082
18 Month CD Special
$0
4.07%
▲ 1.26% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.26% above avgNationally 2.88%
Details
Open Online
Rate History
No change since Oct 3, 2026 · 4.07% APY · checked 4 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 18 Month
$500
4.07%
▲ 1.26% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.26% above avgNationally 2.88%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 15, 2026 · 4.07% APY
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
18 Month CD
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
102 Rogers St, Gloucester, MA 01930
18-Month CD
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Location: available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141); rates in other areas or for online openings may not be available; minimum deposit of $500; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
27 Park St, Attleboro, MA 02703
Private 18 Month
$0
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Balance: $500+; Limited time offer; open with as little as $500; for existing or new Private Checking account holders; Open Account: Apply Now
Rate History
1 change since Sep 18, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 7, 20264.00%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
27 Park St, Attleboro, MA 02703
Private 18-Month CD
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
For existing or new Private Checking account holders; Open with as little as $500; Promotional APY; Minimum balance to earn stated APY is $500
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 2, 20264.00%▲ from 0.02%
- Sep 9, 20260.02%first recorded
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
30 Middlesex St, Lowell, MA 01852
18 Month Certificate IRA
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
IRA CDs
Rate History
No change since Oct 15, 2026 · 4.00% APY
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
30 Middlesex St, Lowell, MA 01852
Certificates of Deposit (CDs) - 18 Month Certificate
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 3, 20264.00%▲ from 3.90%
- Sep 20, 20263.90%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
18 month Certificate
$0
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Term Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 5, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 18 Month
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 18 Month
$200
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.93%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Penalty for early withdrawal applies; $200 minimum deposit to open IRA Certificate
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
18 Months Term Share Certificate (CD & IRA)
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Regular CD - min $500; Jumbo CD not offered at this term; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 3 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
18 Month IRA Certificates
$1,000
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 1, 20264.00%▲ from 3.35%
- Sep 18, 20263.35%first recorded
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
Certificates of Deposits - 18 Months
$1,000
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 1, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 18 Months
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 18 Months
$500
4.00%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 5 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
18 Month CD
$0
4.00%
▲ 1.19% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.19% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 months' interest; Interest Rate/APY: 3.92% / 4.00%
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 24, 20263.75%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Certificates & Individual Retirement Accounts - 18 Month
$500
3.95%
▲ 1.14% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.14% above avgNationally 2.88%
Details
Minimum daily balance to earn APY: $500.00
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.95% ▲ 0.75 pts · high 3.95% / low 3.20%
- Oct 14, 20263.95%▲ from 3.20%
- Sep 14, 20263.20%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.95%
▲ 1.14% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.14% above avgNationally 2.88%
Details
Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
- Oct 14, 20263.95%▲ from 3.45%
- Sep 14, 20263.45%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
240 Cabot St, Beverly, MA 01915
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 1.04% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.81%▲ 1.04% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Minimum deposit of $1,000 to open a CD
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
Massachusetts 24 Month CD Rates
MonitorBankRates Massachusetts Average · 24 Month CD2.65% APY▲ 0.02% from last weekNational 2.90%
The average 24-month CD rate in Massachusetts is 2.65% APY, compared with 2.90% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 2 years
$500
4.60%
▲ 1.95% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.95% above avgNationally 2.90%
Details
Maximum opening deposit $500,000.00; Guaranteed rate for the duration of the CD term; Rates may change prior to account opening
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
- Oct 8, 20264.60%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
2 Year Share Certificate
$0
4.50%
▲ 1.85% above Massachusetts avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.85% above avgNationally 2.90%
Details
Compounding: Monthly; Minimum to earn APY: $500
Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
2 Year High-Yield CD
$500
4.40%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.90%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
2 years High-Yield CD
$500
4.40%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.90%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
24-Month CD
$1,000
4.35%
▲ 1.70% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.70% above avgNationally 2.90%
Details
Maximum deposit $250,000; Open now
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 14, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 24 Months
$1,000
4.35%
▲ 1.70% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.70% above avgNationally 2.90%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
24 Month IRA TDC
$0
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.90%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
24 Month TDC
$0
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.90%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 24 Month TDC
$0
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.90%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 24 Month IRA TDC
$0
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.90%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month CD
$50,000
4.28%
▲ 1.63% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.63% above avgNationally 2.90%
Details
Balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Oct 5, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month Traditional/Roth IRA CD
$50,000
4.28%
▲ 1.63% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.63% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Sep 29, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
24 Month Share Certificate
$1,000
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 12, 20263.50%first recorded
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
Term Share Certificates - 24 Months
$500
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
Minimum balance to earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 4.25% APY
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
24 Month Certificate of Deposit
$1,000
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
24 Month Certificates of Deposit
$250
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
SPECIAL OFFER; Available with a one-time bump-up option
Rate History
No change since Oct 13, 2026 · 4.25% APY
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
Business Certificates of Deposit - 24 Months
$250
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
SPECIAL OFFER
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Oct 13, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
Certificate of Deposit - 24 Months
$250
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
Special Offer; One-time bump-up option available; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 24 Months
$500
4.25%
▲ 1.60% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 24 Months
$500
4.25%
▲ 1.60% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.90%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 5 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 24 Month (jumbo)
$50,000
4.23%
▲ 1.58% above Massachusetts avg
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.58% above avgNationally 2.90%
Details
$50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month Certificate
$1,000
4.23%
▲ 1.58% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.58% above avgNationally 2.90%
Details
Regular Share Certificate; rates effective October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month IRA Certificate
$0
4.23%
▲ 1.58% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.58% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
400 Broadway, Lynn, MA 01904
24-month CD Special
$500
4.20%
▲ 1.55% above Massachusetts avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.55% above avgNationally 2.90%
Details
Rate History
1 change since Sep 24, 2026 · 3.92% → 4.20% ▲ 0.28 pts · high 4.20% / low 3.92%
- Oct 11, 20264.20%▲ from 3.92%
- Sep 24, 20263.92%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
Certificate of Deposit - 24 Month
$1,000
4.18%
▲ 1.53% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.53% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.18% APY
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
109 Main St, Gloucester, MA 01930
1 1/2 Year
$500
4.18%
▲ 1.53% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.53% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 4.18% APY · checked 6 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
24 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.15%
▲ 1.50% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.50% above avgNationally 2.90%
Details
Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.15% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month CD
$500
4.13%
▲ 1.48% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.48% above avgNationally 2.90%
Details
Balance tier: $500.00
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
- Oct 5, 20264.13%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month Traditional/Roth IRA CD
$500
4.13%
▲ 1.48% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.48% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
- Sep 29, 20264.13%▲ from 3.80%
- Sep 14, 20263.80%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 24 Month
$500
4.13%
▲ 1.48% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.48% above avgNationally 2.90%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 15, 2026 · 4.13% APY
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10 Holden St, Malden, MA 02148
Certificate of Deposit - 24 Months
$500
4.07%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.42% above avgNationally 2.90%
Details
Interest compounded and paid monthly; substantial penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Savers Co-operative Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.40%
270 Main St, Southbridge, MA 01550
24 Month Certificate
$500
4.05%
▲ 1.40% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.40% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 1.28% → 4.05% ▲ 2.77 pts · high 4.05% / low 1.28%
- Oct 11, 20264.05%▲ from 1.28%
- Sep 19, 20261.28%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
24 month Certificate
$0
4.05%
▲ 1.40% above Massachusetts avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.40% above avgNationally 2.90%
Details
Term Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 5, 20264.05%▲ from 3.75%
- Sep 14, 20263.75%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
24 Months Term Share Certificate (CD & IRA)
$500
4.05%
▲ 1.40% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.40% above avgNationally 2.90%
Details
Regular CD - min $500; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.05% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD - Premier5 Banking
$1,000
3.90%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.90%
Details
Open Now; Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Non-Profit Certificates of Deposit (CDs) Accounts - 24 Month CD
$1,000
3.90%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.90%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 24 Month - Premier5 Banking
$1,000
3.90%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.90%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.90% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
24 Month CD
$0
3.90%
▲ 1.25% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 6 months' interest; Interest Rate/APY: 3.83% / 3.90%
Rate History
1 change since Sep 24, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 1, 20263.90%▲ from 3.65%
- Sep 24, 20263.65%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD - PrimaryPlus Banking
$1,000
3.88%
▲ 1.23% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.23% above avgNationally 2.90%
Details
Open Now; PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 24 Month - PrimaryPlus Banking
$1,000
3.88%
▲ 1.23% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.23% above avgNationally 2.90%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.88% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD
$1,000
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.90%
Details
Open Now
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Certificates of Deposit - 24 Month CD
$1,000
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.90%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 24 Month
$1,000
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.90%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 14, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
24-Month CD/IRA
$0
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.90%
Details
Plus Spending APY: 3.88%; Premier Spending APY: 3.90%
Rate History
1 change since Sep 19, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
24 Month Fixed Rate CD
$0
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 7, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
2 Year CD
$2,500
3.85%
▲ 1.20% above Massachusetts avg
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.90%
Details
Effective as of: 09/28/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Union St Ste 104, Norfolk, MA 02056 1855
Share Certificate - 24 Months
$0
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.90%
Details
Minimum balance $2,500.00; Penalty for early withdrawal: 6 months dividend; Dividend paid at anniversary and then at maturity
Rate History
No change since Sep 12, 2026 · 3.85% APY · checked 8 times
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
24-Month Certificate of Deposit
$1,000
3.82%
▲ 1.17% above Massachusetts avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.17% above avgNationally 2.90%
Details
Dividend Rate: 3.75%
Rate History
No change since Sep 24, 2026 · 3.82% APY · checked 5 times
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
248 Broadway, Methuen, MA 01844
Certificate of Deposit - 24 Month
$1,000
3.81%
▲ 1.16% above Massachusetts avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.65%▲ 1.16% above avgNationally 2.90%
Details
Available as IRA CD; Penalties may be imposed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.81% APY · checked 2 times
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Main St, Millbury, MA 01527
Platinum CD Specials - 2 Year CD
$0
3.80%
▲ 1.15% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.65%▲ 1.15% above avgNationally 2.90%
Details
Minimum balance to earn APY: $500
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
Massachusetts 36 Month CD Rates
MonitorBankRates Massachusetts Average · 36 Month CD2.50% APY▲ 0.03% from last weekNational 2.82%
The average 36-month CD rate in Massachusetts is 2.50% APY, compared with 2.82% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
3 Year Share Certificate
$0
4.75%
▲ 2.25% above Massachusetts avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 2.25% above avgNationally 2.82%
Details
Compounding: Monthly; Minimum to earn APY: $500
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 3 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
282 Providence Hwy, Westwood, MA 02090
3 Year Share Certificates
$500
4.50%
▲ 2.00% above Massachusetts avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 2.00% above avgNationally 2.82%
Details
Penalty applies to withdraw principal before maturity; dividends may be withdrawn at any time without penalty; dividends compounded and credited quarterly
Rate History
No change since Oct 15, 2026 · 4.50% APY · checked 2 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
36 Month Certificate of Deposit
$1,000
4.50%
▲ 2.00% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.50%▲ 2.00% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
3 Year High-Yield CD
$500
4.40%
▲ 1.90% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.90% above avgNationally 2.82%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
3 years High-Yield CD
$500
4.40%
▲ 1.90% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.90% above avgNationally 2.82%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
3-Year CD
$0
4.35%
▲ 1.85% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.85% above avgNationally 2.82%
Details
Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 3 Years
$1,000
4.35%
▲ 1.85% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.85% above avgNationally 2.82%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
Term Share Certificates - 36 Months
$500
4.35%
▲ 1.85% above Massachusetts avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.85% above avgNationally 2.82%
Details
Minimum balance to earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 4.35% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month CD
$50,000
4.33%
▲ 1.83% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.83% above avgNationally 2.82%
Details
Balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Oct 5, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month Traditional/Roth IRA CD
$50,000
4.33%
▲ 1.83% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.83% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Sep 29, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
36 Month IRA TDC
$0
4.30%
▲ 1.80% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.50%▲ 1.80% above avgNationally 2.82%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
36 Month TDC
$0
4.30%
▲ 1.80% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.50%▲ 1.80% above avgNationally 2.82%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 36 Month TDC
$0
4.30%
▲ 1.80% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.50%▲ 1.80% above avgNationally 2.82%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 36 Month IRA TDC
$0
4.30%
▲ 1.80% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.50%▲ 1.80% above avgNationally 2.82%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
Certificate of Deposit - 36 Month
$1,000
4.28%
▲ 1.78% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.78% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 36 Month (jumbo)
$50,000
4.28%
▲ 1.78% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.78% above avgNationally 2.82%
Details
$50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
36 Month Share Certificate
$1,000
4.25%
▲ 1.75% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.75% above avgNationally 2.82%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month Certificate
$1,000
4.23%
▲ 1.73% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.73% above avgNationally 2.82%
Details
Regular Share Certificate; rates effective October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month IRA Certificate
$0
4.23%
▲ 1.73% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.73% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
36 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.20%
▲ 1.70% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.70% above avgNationally 2.82%
Details
Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.20% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month CD
$500
4.18%
▲ 1.68% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.68% above avgNationally 2.82%
Details
Balance tier: $500.00
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
- Oct 5, 20264.18%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.68% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.68% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
- Sep 29, 20264.18%▲ from 3.56%
- Sep 14, 20263.56%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 36 Month
$500
4.18%
▲ 1.68% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.68% above avgNationally 2.82%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 15, 2026 · 4.18% APY
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
36 month Certificate
$0
4.10%
▲ 1.60% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.60% above avgNationally 2.82%
Details
Term Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 5, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
36 month IRA Certificate
$0
4.10%
▲ 1.60% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.60% above avgNationally 2.82%
Details
Individual Retirement Account Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 5, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
36 Months Term Share Certificate (CD & IRA)
$500
4.10%
▲ 1.60% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.60% above avgNationally 2.82%
Details
Regular CD - min $500; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10 Holden St, Malden, MA 02148
Certificate of Deposit - 36 Months
$500
4.07%
▲ 1.57% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.57% above avgNationally 2.82%
Details
Interest compounded and paid monthly; substantial penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
36-Month Certificate of Deposit
$1,000
3.97%
▲ 1.47% above Massachusetts avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.47% above avgNationally 2.82%
Details
Dividend Rate: 3.90%
Rate History
No change since Sep 24, 2026 · 3.97% APY · checked 5 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD - Premier5 Banking
$1,000
3.90%
▲ 1.40% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.40% above avgNationally 2.82%
Details
Open Now; Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Non-Profit Certificates of Deposit (CDs) Accounts - 36 Month CD
$1,000
3.90%
▲ 1.40% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.40% above avgNationally 2.82%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 36 Month - Premier5 Banking
$1,000
3.90%
▲ 1.40% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.40% above avgNationally 2.82%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.90% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD - PrimaryPlus Banking
$1,000
3.88%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.38% above avgNationally 2.82%
Details
Open Now; PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 36 Month - PrimaryPlus Banking
$1,000
3.88%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.38% above avgNationally 2.82%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.88% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD
$1,000
3.85%
▲ 1.35% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.35% above avgNationally 2.82%
Details
Open Now
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Certificates of Deposit - 36 Month CD
$1,000
3.85%
▲ 1.35% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.35% above avgNationally 2.82%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 36 Month
$1,000
3.85%
▲ 1.35% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.35% above avgNationally 2.82%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 14, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
36-Month CD/IRA
$0
3.85%
▲ 1.35% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.50%▲ 1.35% above avgNationally 2.82%
Details
Plus Spending APY: 3.88%; Premier Spending APY: 3.90%
Rate History
1 change since Sep 19, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
36 Month Fixed Rate CD
$0
3.85%
▲ 1.35% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.50%▲ 1.35% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 7, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
101 Page St, New Bedford, MA 02740
3 Year Share/IRA Certificates
$500
3.82%
▲ 1.32% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.32% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
1 Gillette Park, South Boston, MA 02127 1028
Certificate - 36 months
$2,500
3.82%
▲ 1.32% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.32% above avgNationally 2.82%
Details
Regular term and IRA Certificates
Rate History
No change since Oct 14, 2026 · 3.82% APY
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
36 Month Fixed
$0
3.81%
▲ 1.31% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.31% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.81% ▲ 0.36 pts · high 3.81% / low 3.45%
- Oct 5, 20263.81%▲ from 3.45%
- Sep 14, 20263.45%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
IRA 36 Month Fixed
$0
3.81%
▲ 1.31% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.31% above avgNationally 2.82%
Details
Dividend Rate; APY
Rate History
No change since Oct 15, 2026 · 3.81% APY
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Main St, Millbury, MA 01527
Platinum CD Specials - 3 Year CD
$0
3.80%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.30% above avgNationally 2.82%
Details
Minimum balance to earn APY: $500
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
3 Year CD
$500
3.75%
▲ 1.25% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.25% above avgNationally 2.82%
Details
APY effective October 14, 2026; minimum balance to obtain APY is $20; minimum deposit to open account is $500; penalty may be assessed for early withdrawals
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 7 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
IRA Certificate - 3 years
$500
3.75%
▲ 1.25% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.25% above avgNationally 2.82%
Details
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 5 times
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
419 Broadway, Everett, MA 02149
36-Month Special Certificate
$500
3.75%
▲ 1.25% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.25% above avgNationally 2.82%
Details
Open Online
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
3 Year CD
$2,500
3.75%
▲ 1.25% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.25% above avgNationally 2.82%
Details
Effective as of: 09/28/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 36 Month
$500
3.75%
▲ 1.25% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.25% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 36 Month
$200
3.75%
▲ 1.25% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.50%▲ 1.25% above avgNationally 2.82%
Details
Penalty for early withdrawal applies; $200 minimum deposit to open IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
3 Year Certificate of Deposit
$1,000
3.70%
▲ 1.20% above Massachusetts avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.50%▲ 1.20% above avgNationally 2.82%
Details
Minimum balance of $1,000 required to obtain the disclosed APY
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
Massachusetts 48 Month CD Rates
MonitorBankRates Massachusetts Average · 48 Month CD2.35% APY▲ 0.02% from last weekNational 2.81%
The average 48-month CD rate in Massachusetts is 2.35% APY, compared with 2.81% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
48 Month Certificate of Deposit
$1,000
4.50%
▲ 2.15% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.35%▲ 2.15% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
Term Share Certificates - 48 Months
$500
4.45%
▲ 2.10% above Massachusetts avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 2.10% above avgNationally 2.81%
Details
Minimum balance to earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 4.45% APY
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
4 Year High-Yield CD
$500
4.40%
▲ 2.05% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 2.05% above avgNationally 2.81%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
4 years High-Yield CD
$500
4.40%
▲ 2.05% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 2.05% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month CD
$50,000
4.39%
▲ 2.04% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 2.04% above avgNationally 2.81%
Details
Balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
- Oct 5, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month Traditional/Roth IRA CD
$50,000
4.39%
▲ 2.04% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 2.04% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
- Sep 29, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 4 Years
$1,000
4.35%
▲ 2.00% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 2.00% above avgNationally 2.81%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
Certificate of Deposit - 48 Month
$1,000
4.28%
▲ 1.93% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.93% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 48 Month (jumbo)
$50,000
4.28%
▲ 1.93% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.93% above avgNationally 2.81%
Details
$50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
48 Month Share Certificate
$1,000
4.25%
▲ 1.90% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.90% above avgNationally 2.81%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 12, 20264.00%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
48 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.25%
▲ 1.90% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.90% above avgNationally 2.81%
Details
Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month CD
$500
4.23%
▲ 1.88% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.88% above avgNationally 2.81%
Details
Balance tier: $500.00
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
- Oct 5, 20264.23%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month Traditional/Roth IRA CD
$500
4.23%
▲ 1.88% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.88% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
- Sep 29, 20264.23%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$1,000
4.23%
▲ 1.88% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.88% above avgNationally 2.81%
Details
Regular Share Certificate; rates effective October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month IRA Certificate
$0
4.23%
▲ 1.88% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.88% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 48 Month
$500
4.18%
▲ 1.83% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.83% above avgNationally 2.81%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 15, 2026 · 4.18% APY
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
48 month Certificate
$0
4.15%
▲ 1.80% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.80% above avgNationally 2.81%
Details
Term Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
48 Months Term Share Certificate (CD & IRA)
$500
4.15%
▲ 1.80% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.80% above avgNationally 2.81%
Details
Regular CD - min $500; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
48-Month Certificate of Deposit
$1,000
4.02%
▲ 1.67% above Massachusetts avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.67% above avgNationally 2.81%
Details
Dividend Rate: 3.95%
Rate History
No change since Sep 24, 2026 · 4.02% APY · checked 5 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
1 Gillette Park, South Boston, MA 02127 1028
Certificate - 48 months
$2,500
3.82%
▲ 1.47% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.47% above avgNationally 2.81%
Details
Regular term and IRA Certificates
Rate History
No change since Oct 14, 2026 · 3.82% APY
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
48 Month Fixed
$0
3.81%
▲ 1.46% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50%
- Oct 5, 20263.81%▲ from 3.50%
- Sep 14, 20263.50%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
IRA 48 Month Fixed
$0
3.81%
▲ 1.46% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.46% above avgNationally 2.81%
Details
Dividend Rate; APY
Rate History
No change since Oct 15, 2026 · 3.81% APY
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
4 Year Certificate of Deposit
$1,000
3.75%
▲ 1.40% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Minimum balance of $1,000 required to obtain the disclosed APY
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
Individual Retirement Accounts - 4 Years
$500
3.75%
▲ 1.40% above Massachusetts avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 48 Month
$500
3.75%
▲ 1.40% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 48 Month
$200
3.75%
▲ 1.40% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Penalty for early withdrawal applies; $200 minimum deposit to open IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD - Premier5 Banking
$1,000
3.60%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.25% above avgNationally 2.81%
Details
Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Non-Profit Certificates of Deposit (CDs) Accounts - 48 Month CD
$1,000
3.60%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.25% above avgNationally 2.81%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 48 Month - Premier5 Banking
$1,000
3.60%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.25% above avgNationally 2.81%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.60% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD - PrimaryPlus Banking
$1,000
3.58%
▲ 1.23% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.23% above avgNationally 2.81%
Details
PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 48 Month - PrimaryPlus Banking
$1,000
3.58%
▲ 1.23% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.23% above avgNationally 2.81%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.58% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD
$1,000
3.55%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.20% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Certificates of Deposit - 48 Month CD
$1,000
3.55%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.20% above avgNationally 2.81%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
- Oct 7, 20263.55%▲ from 2.80%
- Sep 18, 20262.80%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 48 Month
$1,000
3.55%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.20% above avgNationally 2.81%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 14, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
48-Month CD/IRA
$0
3.55%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.35%▲ 1.20% above avgNationally 2.81%
Details
Plus Spending APY: 3.58%; Premier Spending APY: 3.60%
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
48 Month Fixed Rate CD
$0
3.55%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.35%▲ 1.20% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 7, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
4 Year CD
$2,500
3.55%
▲ 1.20% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 1.20% above avgNationally 2.81%
Details
Effective as of: 09/28/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
IRA Certificate - 4 years
$500
3.50%
▲ 1.15% above Massachusetts avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.15% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 7 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.50%
▲ 1.15% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.15% above avgNationally 2.81%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
48 Month Certificate of Deposit
$1,000
3.35%
▲ 1.00% above Massachusetts avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.00% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 8 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
Certificates of Deposit - 48 Months
$1,000
3.35%
▲ 1.00% above Massachusetts avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 1.00% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 8 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
50 Cabot St, Needham, MA 02494
48 Month CD Share Certificates - Jumbo
$250
3.30%
▲ 0.95% above Massachusetts avg
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 0.95% above avgNationally 2.81%
Details
Jumbo rate for deposits of $100,000 or more; Effective 12/20/2025; APY assumes active Direct Advantage Checking, without it APY is 0.10% lower; New Money Only
Rate History
No change since Oct 12, 2026 · 3.30% APY · checked 2 times
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
248 Broadway, Methuen, MA 01844
Certificate of Deposit - 48 Month
$1,000
3.29%
▲ 0.94% above Massachusetts avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.35%▲ 0.94% above avgNationally 2.81%
Details
Available as IRA CD; Penalties may be imposed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.29% APY · checked 2 times
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
Business Certificates of Deposit - 48 months
$0
3.25%
▲ 0.90% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Minimum Balance to Open & Earn APY: $500.00; Maximum opening deposit of $250,000.00 per certificate of deposit account; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 3.25% APY
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
Certificate of Deposit - 48 months
$500
3.25%
▲ 0.90% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Rate History
No change since Sep 9, 2026 · 3.25% APY · checked 9 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
Certificates of Deposit - 48 Month
$500
3.25%
▲ 0.90% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Visit a branch
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 7 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
IRA Certificates of Deposit - 48 Month
$500
3.25%
▲ 0.90% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Visit a branch
Rate History
No change since Sep 28, 2026 · 3.25% APY · checked 5 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
80 Montvale Ave, Stoneham, MA 02180
48 Month Certificate of Deposit
$1,000
3.25%
▲ 0.90% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
80 Montvale Ave, Stoneham, MA 02180
Business Certificate of Deposit - 48 months
$1,000
3.25%
▲ 0.90% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) - 48 months
$1,000
3.25%
▲ 0.90% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Massachusetts 60 Month CD Rates
MonitorBankRates Massachusetts Average · 60 Month CD2.45% APY▼ 0.01% from last weekNational 2.93%
The average 60-month CD rate in Massachusetts is 2.45% APY, compared with 2.93% nationally, as of October 17, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
60 Month Certificate of Deposit
$1,000
4.75%
▲ 2.30% above Massachusetts avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 2.30% above avgNationally 2.93%
Details
Rate History
No change since Oct 13, 2026 · 4.75% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month CD
$50,000
4.44%
▲ 1.99% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.99% above avgNationally 2.93%
Details
Balance tier: $50,000.00
Rate History
No change since Oct 5, 2026 · 4.44% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month Traditional/Roth IRA CD
$50,000
4.44%
▲ 1.99% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.99% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Sep 29, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
5 Year High-Yield CD
$500
4.40%
▲ 1.95% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.95% above avgNationally 2.93%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
5 years High-Yield CD
$500
4.40%
▲ 1.95% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.95% above avgNationally 2.93%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
Certificate of Deposit - 5 Years
$1,000
4.35%
▲ 1.90% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.90% above avgNationally 2.93%
Details
Monthly Service Charge:
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
60 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.30%
▲ 1.85% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.85% above avgNationally 2.93%
Details
Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.30% APY
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
Certificate of Deposit - 60 Month
$1,000
4.28%
▲ 1.83% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month CD
$500
4.28%
▲ 1.83% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.93%
Details
Balance tier: $500.00
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Oct 5, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month Traditional/Roth IRA CD
$500
4.28%
▲ 1.83% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Sep 29, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 60 Month (jumbo)
$50,000
4.28%
▲ 1.83% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.93%
Details
$50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
60 Month IRA Certificates
$500
4.25%
▲ 1.80% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.80% above avgNationally 2.93%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
60 Month Share Certificate
$1,000
4.25%
▲ 1.80% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.80% above avgNationally 2.93%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month Certificate
$1,000
4.23%
▲ 1.78% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.78% above avgNationally 2.93%
Details
Regular Share Certificate; rates effective October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month IRA Certificate
$0
4.23%
▲ 1.78% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.78% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
60 month Certificate
$0
4.20%
▲ 1.75% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.93%
Details
Term Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
60 month IRA Certificate
$0
4.20%
▲ 1.75% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.93%
Details
Individual Retirement Account Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
60 Months Term Share Certificate (CD & IRA)
$500
4.20%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.93%
Details
Regular CD - min $500; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.20% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 60 Month
$500
4.18%
▲ 1.73% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.73% above avgNationally 2.93%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 15, 2026 · 4.18% APY
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
60-Month Certificate of Deposit
$1,000
4.07%
▲ 1.62% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.62% above avgNationally 2.93%
Details
Dividend Rate: 4.00%
Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
1 Gillette Park, South Boston, MA 02127 1028
Certificate - 60 months
$2,500
3.82%
▲ 1.37% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.37% above avgNationally 2.93%
Details
Regular term and IRA Certificates
Rate History
No change since Oct 14, 2026 · 3.82% APY
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
60 Month Fixed
$0
3.81%
▲ 1.36% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Oct 9, 20263.81%▲ from 3.55%
- Sep 14, 20263.55%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
IRA 60 Month Fixed
$0
3.81%
▲ 1.36% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.93%
Details
Dividend Rate; APY
Rate History
No change since Oct 15, 2026 · 3.81% APY
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
5 Year Certificate of Deposit
$1,000
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.93%
Details
Minimum balance of $1,000 required to obtain the disclosed APY
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
Individual Retirement Accounts - 5 Years
$500
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 60 Month
$500
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.93%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 60 Month
$200
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.93%
Details
Penalty for early withdrawal applies; $200 minimum deposit to open IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
CENTRAL ONE
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
714 Main St, Shrewsbury, MA 01545
60 Month Premium Certificate
$0
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.93%
Details
Member must be at least 18 years of age and have a minimum monthly direct deposit of $1,500 into a Premium Checking account; minimum opening deposit of $10,000 for Premium Certificate
Rate History
No change since Oct 14, 2026 · 3.75% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD - Premier5 Banking
$1,000
3.60%
▲ 1.15% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.93%
Details
Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Non-Profit Certificates of Deposit (CDs) Accounts - 60 Month CD
$1,000
3.60%
▲ 1.15% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.93%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 60 Month - Premier5 Banking
$1,000
3.60%
▲ 1.15% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.93%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.60% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD - PrimaryPlus Banking
$1,000
3.58%
▲ 1.13% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.13% above avgNationally 2.93%
Details
PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 60 Month - PrimaryPlus Banking
$1,000
3.58%
▲ 1.13% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.13% above avgNationally 2.93%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.58% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD
$1,000
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.93%
Details
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business Certificates of Deposit - 60 Month CD
$1,000
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.93%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
- Oct 7, 20263.55%▲ from 2.80%
- Sep 18, 20262.80%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
IRA CD 60 Month
$1,000
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.93%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 14, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
60-Month CD/IRA
$0
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.93%
Details
Plus Spending APY: 3.58%; Premier Spending APY: 3.60%
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
60 Month Fixed Rate CD
$0
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 7, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
5 Year CD
$2,500
3.55%
▲ 1.10% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.93%
Details
Effective as of: 09/28/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
50 Cabot St, Needham, MA 02494
60 Month CD Share Certificates - Jumbo
$250
3.55%
▲ 1.10% above Massachusetts avg
▼
Rate3.49%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.93%
Details
Jumbo rate for deposits of $100,000 or more; Effective 12/20/2025; APY assumes active Direct Advantage Checking, without it APY is 0.10% lower; New Money Only
Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 2 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
5 Year CD
$500
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.93%
Details
APY effective October 14, 2026; minimum balance to obtain APY is $20; minimum deposit to open account is $500; penalty may be assessed for early withdrawals
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 7 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
IRA Certificate - 5 years
$500
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.93%
Details
Rate History
No change since Sep 28, 2026 · 3.50% APY · checked 5 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
50 Cabot St, Needham, MA 02494
60 Month CD Share Certificates
$250
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.93%
Details
Effective 12/20/2025; APY assumes active Direct Advantage Checking, without it APY is 0.10% lower; New Money Only
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.50%
▲ 1.05% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.93%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
CENTRAL ONE
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
714 Main St, Shrewsbury, MA 01545
60 Month Regular Certificate
$0
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.93%
Details
Also applies to IRA Certificates; no additional deposits after account opening
Rate History
No change since Oct 14, 2026 · 3.50% APY
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
60 Month Certificate of Deposit
$1,000
3.45%
▲ 1.00% above Massachusetts avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.00% above avgNationally 2.93%
Details
Rate History
No change since Sep 20, 2026 · 3.45% APY · checked 8 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
Certificates of Deposit - 60 Months
$1,000
3.45%
▲ 1.00% above Massachusetts avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.00% above avgNationally 2.93%
Details
Rate History
No change since Sep 20, 2026 · 3.45% APY · checked 8 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 5 years
$500
3.40%
▲ 0.95% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Massachusetts Average2.45%▲ 0.95% above avgNationally 2.93%
Details
Maximum opening deposit $500,000.00; Guaranteed rate for the duration of the CD term; Rates may change prior to account opening
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month fixed
$25
3.35%
▲ 0.90% above Massachusetts avg
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.93%
Details
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month variable
$25
3.35%
▲ 0.90% above Massachusetts avg
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.93%
Details
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Massachusetts CD Rate Trends
Compare local Massachusetts CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MA Avg
2.809%
▲ 0.023 vs 7 days ago
Massachusetts 12-month CD rates rose 0.023 points over the past 7 days to 2.809% APY.
6-Month CD MA Avg
2.727%
▲ 0.038 vs 7 days ago
Massachusetts 6-month CD rates rose 0.038 points over the past 7 days to 2.727% APY.
As of Oct 17, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
MA CD Rate Forecast, Next 12 Months
Where are Massachusetts CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.809%
6-Month Forecast
2.809%
Range: 2.61%, 2.96%
12-Month Forecast
3.059%
Range: 2.86%, 3.21%
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MonitorBankRates
What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.987% | $99.36 | $198.71 | $496.78 | $993.55 |
| 6-Month CD | 2.727% | $136.34 | $272.67 | $681.68 | $1,363.35 |
| 12-Month CD | 2.809% | $140.47 | $280.94 | $702.35 | $1,404.70 |
| 18-Month CD | 2.811% | $140.56 | $281.12 | $702.80 | $1,405.60 |
| 24-Month CD | 2.646% | $132.31 | $264.62 | $661.55 | $1,323.10 |
| 36-Month CD | 2.496% | $124.81 | $249.62 | $624.05 | $1,248.10 |
| 48-Month CD | 2.347% | $117.33 | $234.66 | $586.65 | $1,173.30 |
| 60-Month CD | 2.448% | $122.40 | $244.80 | $612.00 | $1,224.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 15, 2026. | |||||
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Sample CD Ladder for Massachusetts Savers
$25,000 split equally across 5 terms using today’s Massachusetts average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.987% | $99.36 |
| 2 | 6-Month CD | $5,000 | 2.727% | $136.34 |
| 3 | 12-Month CD | $5,000 | 2.809% | $140.47 |
| 4 | 24-Month CD | $5,000 | 2.646% | $132.31 |
| 5 | 36-Month CD | $5,000 | 2.496% | $124.81 |
| Total ($25,000 invested) | $25,000 | 2.533% blended | $633.29/yr | |
Ladder example uses equal $5,000 rungs and Massachusetts average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,566
CD Rates
Tracked in Massachusetts
Tracked in Massachusetts
69 Banks
63 Credit Unions
About Our Massachusetts CD Rate Database
MonitorBankRates tracks 1,566 CD rates from 69 banks and 63 credit unions with locations in Massachusetts, plus national online institutions available to Massachusetts residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Rockland Federal Credit Union offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Massachusetts.
How to Find the Best CD Rates in Massachusetts
What to compare when shopping for a CD in Massachusetts
To find the best APYs in Massachusetts, start with credit unions and online-only banks: Massachusetts has 63 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Massachusetts
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Massachusetts: 132 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Massachusetts savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Massachusetts money market rates
Massachusetts Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$57,232
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$161/yr
At MA 12-mo avg 2.809% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MA 12-month CD average of 2.809%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $161 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Massachusetts
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Massachusetts
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Massachusetts typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Massachusetts as everywhere in the U.S.
Choosing a CD Term in Massachusetts
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Massachusetts savers easier access to their funds. For example, Happen Bank is offering its Consumer Certificate of Deposit - 6 months at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Energy Credit Union is offering its 60 Month Certificate of Deposit at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Massachusetts Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Massachusetts saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Massachusetts
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Massachusetts CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Massachusetts
Most CDs carry a fixed rate that is locked for the entire term, protecting a Massachusetts depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Massachusetts
Are CD rates in Massachusetts FDIC insured?
Yes, most established banks in Massachusetts are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Massachusetts?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Massachusetts.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Massachusetts may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Massachusetts?
Here are recent top rates found for this area:
- Rockland Federal Credit Union: 4.75% APY (3 Year Share Certificate)
- Energy Credit Union: 4.75% APY (60 Month Certificate of Deposit)
- Happen Bank: 4.60% APY (Consumer Certificate of Deposit - 2 years)
- Cranberry Federal Credit Union: 4.59% APY (12-Month CD)
- Northern Bank & Trust Company: 4.50% APY (Premium Certificate of Deposit - 12 months)
- Ukrainian Federal Credit Union: 4.50% APY (3 Year Share Certificates)
- Hanscom Federal Credit Union: 4.50% APY (12 Month IRA Certificates)
- USALLIANCE: 4.50% APY (12 Month Certificate)
- GFA Federal Credit Union: 4.45% APY (Term Share Certificates - 48 Months)
- Marcus Bank: 4.40% APY (12 Month High-Yield CD)
Rates reflect recent verified offers available in Massachusetts. Last Updated: October 15, 2026
Massachusetts CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Massachusetts rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Massachusetts
Massachusetts CD Calculator
At today’s MA top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Massachusetts CD LadderMA CD rates currently range from 1.987% (3-month) to 2.496% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Massachusetts CD at 4.75% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.809% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Massachusetts CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Massachusetts directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Massachusetts. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 15, 2026
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