Massachusetts CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
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.
Current Massachusetts CD rates include Workers Federal Credit UnionWorkers Federal Credit Union815 Main St, Fitchburg, MA 01420A5.0 ★Texas Ratio: 8.41%Real return: +1.53%APY minus CPI (February 2026) offering 12 Months at 4.33% APY, River Works Credit UnionRiver Works Credit Union947 Western Ave, Lynn, MA 01905 2640A5.0 ★Texas Ratio: 7.46%Real return: +1.27%APY minus CPI (February 2026) offering 6 Months at 4.07% APY, Align Credit UnionAlign Credit Union87 Hale St, Lowell, MA 01851A5.0 ★Texas Ratio: 10.60%Real return: +1.25%APY minus CPI (February 2026) offering Business SEP IRA Certificates 12 Months at 4.05% APY, Winchester Co-operative BankWinchester Co-operative Bank19 Church St, Winchester, MA 01890A+5.0 ★Texas Ratio: 4.21%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month IRA TDC at 4.05% APY, and Leader BankLeader Bank141 Massachusetts Ave, Arlington, MA 02474A+5.0 ★Texas Ratio: 0.18%Real return: +1.25%APY minus CPI (February 2026) offering 6 Months at 4.05% APY. CD rates as of July 16, 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 4.33% APY from Workers Federal Credit Union at 815 Main St, Fitchburg, MA 01420. Rates are continually updated — 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: July 16, 2026
Compare Best CD Rates in Massachusetts
Massachusetts 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
947 Western Ave, Lynn, MA 01905 2640
3 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA 02740 6635
3 Month SPECIAL
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
3 month CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month Premium Certificate
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedJul 7, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
3 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month Certificate
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
3 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
3 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
3 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
3 Month Term Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
3 Months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
3 Month CD
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
3 Month Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
3 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
70 Westview St, Lexington, MA 02421 3142
3 Months High Yield
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
3-Month Business CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
3-Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
3 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
42 Main St, Hudson, MA 01749
3 Months
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
88 washington st, taunton, MA 02780 2465
3 months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
3 MONTH
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
3 Month CD
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 3 Month
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
3 Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
3 Month CD
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedJul 14, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Months
$500
1.95%
▼
Rate1.93%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
3 Month Intro Rate
$0
1.54%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Intro Rate
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
90 Days Fixed
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Dividend Rate with 2,500 Co-op Points: 1.25%, APY with 2,500 Co-op Points: 1.25%
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
3 Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
3 Months
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
3 Month Certificate
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA 01607
3 Month
$0
0.76%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 3 Month
$500
0.65%
▼
Rate0.64%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
3 Months
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
3 Months
$500
0.49%
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 30 Days Interest
Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
275 Washington St, North Easton, MA 02356
3 months
$2,500
0.25%
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
3 Month CD
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
3 months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
3 Month Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
3 Month IRA Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Winter Hill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
342 Broadway, Somerville, MA 02145
3 Months
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.18%
455 W Broadway, South Boston, MA 02127 2218
3 Months
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
7 Main St, Ayer, MA 01432
3 mo.
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
3 months
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY 90 Day CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Massachusetts 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
947 Western Ave, Lynn, MA 01905 2640
6 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
6 Months
$0
4.05%
▼
Rate4.01%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
6 Month Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
6 Month IRA Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
6-Month CD
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
6 Month Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Flexible interest payouts: Compound your earnings into your CD or send them to your Happen Bank account. Annual Percentage Yield (APY) accurate as of 07/12/2026. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month Term Deposit Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
(1)
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month TDC
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
6 month CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.81%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
6 Month CD/IRA CD
$2,500
3.85%
▼
Rate3.81%
Min Deposit$2,500
Min Balance—
UpdatedJul 14, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
6 months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
6-Month Business CD
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
241 Union St, Rockland, MA 02370
6 Month Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Compounding: Monthly
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
6 months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
6 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
50 Cabot St, Needham, MA 02494
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Guaranteed return. No deposit limit. Federally insured.
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
6 months
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedJul 14, 2026
Details
Compounding: Monthly
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
6 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
6 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA 01607
6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA 02740 6635
6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA 02740 6635
IRA Certificate of Deposit 6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 6 Month
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
6 Month Premium Certificate
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedJul 7, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
513 Main St, Athol, MA 01331 1825
Certificate (CDs) / IRA 6 Month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
805 W Boylston St, Worcester, MA 01606 3032
6 Month CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
LIMITED TIME ONLY
Billerica Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
365 boston rd, billerica, MA 01821
6 Months CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
6 Month Certificate
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
6 Month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
6 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
6 Month Term Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
6 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
6 Month IRA CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 6 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
6 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
APY: Annual Percentage Yield
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
6 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
6 Month IRA CD
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
6 Month Certificate
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA 01570
IRA Certificate 6 month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA 01570
6 month
$2,500
3.50%
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
6 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
6 Month CD
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Massachusetts 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
12 Months
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedJul 16, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month TDC
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1 Year CD
$500
4.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
APY effective as of 07/06/2026.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1 Year IRA CD
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
12 Months
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1 Year CD
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1 Year IRA CD
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business SEP IRA Certificates 12 Months
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
IRA Certificates 12 Months
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month IRA TDC
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
12-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
30 Boston St Ste 9, Lynn, MA 01904
1 year CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
12-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Our high-rate CDs are built for peace of mind. No hoops to jump through - just reliable growth and easy online opening!
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
12 months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
51 Willow St, Lynn, MA 01901
12 Month Term Certificate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
12 month CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
805 W Boylston St, Worcester, MA 01606 3032
1 year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
LIMITED TIME ONLY
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
12 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
12 Month Term Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
12 Month Certificate of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month IRA CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Open Online
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
1 Year Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
12 Month CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month IRA Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
12 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
IRA Certificates - 12 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Jumbo 12-Month
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedJul 7, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
12 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
12 Months CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 12 Month
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
First-Responder 12-Month
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 12 month fixed
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 12 month variable
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
12 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
12-Month Special
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedJul 7, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
12 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
12 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
12 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
12 Month IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
7 Main St, Ayer, MA 01432
12 mo.
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
1 year
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Flexible interest payouts: Compound your earnings into your CD or send them to your Happen Bank account. Annual Percentage Yield (APY) accurate as of 07/12/2026. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
12 Months
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedJul 16, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
12 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Massachusetts 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
18 Months
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
18 Month CD/IRA CD
$2,500
3.85%
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
UpdatedJul 14, 2026
Details
Rate3.78%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
18 Months CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
18 Month
$200
3.75%
▼
Rate3.69%
Min Deposit$200
Min Balance—
UpdatedJul 15, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
18 month CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
240 Cabot St, Beverly, MA 01915
18-Month M&T Select CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
18 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 18 month fixed
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 18 month variable
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
18 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
18 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 120 Days Interest
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
18 Month CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
18 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
18 Month IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
253 Main St, Southbridge, MA 01550
18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
18 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
18 Month Term Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 18 Month
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
18 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
18-Month Special
$5,000
3.35%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedJul 7, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
18 Month Premium Certificate
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedJul 7, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
18 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
18-Month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
One-Time Bump 18-Month
$5,000
3.30%
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
UpdatedJul 7, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
18 Month Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.50%, APY with 2,500 Co-op Points: 3.55%
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
70 Westview St, Lexington, MA 02421 3142
18 months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
18 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
18 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
18 Months IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1.5 Year IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1.5 Year IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1.5 Year CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
18-Month CD
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Tier 1 Rate: 3.21% for $500-$24,999.99; Tier 1 APY: 3.25% for $500-$24,999.99; Tier 2 Rate: 3.21% for $25,000 or more; Tier 2 APY: 3.25% for $25,000 or more
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
18 Month Certificate of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
18 Month IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
18 Month CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1.5 Year CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
18 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
150 West St, Pittsfield, MA 01201
18 Month Business
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
18 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
18 Month Certificate
$0
3.09%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
18 Month Certificate IRA
$0
3.09%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Massachusetts 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
24 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
24-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Our high-rate CDs are built for peace of mind. No hoops to jump through - just reliable growth and easy online opening!
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
24-Month CD Special
$500
3.92%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
2 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
18 Union St Ste 104, Norfolk, MA 02056 1855
24 Months Rate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Open Online
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month IRA CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
24 Month Certificate of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
24-Month CD
$500
3.67%
▼
Rate3.61%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Tier 1 Rate: 3.61% for $500-$24,999.99; Tier 1 APY: 3.67% for $500-$24,999.99; Tier 2 Rate: 3.61% for $25,000 or more; Tier 2 APY: 3.67% for $25,000 or more
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 24 month fixed
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 24 month variable
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
101 Page St, New Bedford, MA 02740
2 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
24 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
24 Months
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 120 Days Interest
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
24 Month CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
24 Month IRA
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
2 years
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Flexible interest payouts: Compound your earnings into your CD or send them to your Happen Bank account. Annual Percentage Yield (APY) accurate as of 07/12/2026. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
24 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
24 Month Term Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
24 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 24 Month
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
24 Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.60%, APY with 2,500 Co-op Points: 3.66%
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
2 Years
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
24 Months IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
24 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
24 Month CD/IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
2 Year IRA
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
24 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
24-Month Special
$1,000
3.14%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
2 Year CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
2 Year IRA CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
2 years
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 2 Year CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 2 Year IRA CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business SEP IRA Certificates 2 Years
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
2 Years
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
51 Willow St, Lynn, MA 01901
24 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
42 Main St, Hudson, MA 01749
IRA Certificate of Deposit 24 Months
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
42 Main St, Hudson, MA 01749
24 Months
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
24 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Share Certificate 24 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
70 Westview St, Lexington, MA 02421 3142
24 months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Haverhill, MA 01830 4132
24 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Massachusetts 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
3 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
101 Page St, New Bedford, MA 02740
3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
3 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
36 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
36 Month Term Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
36 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
36 Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.65%, APY with 2,500 Co-op Points: 3.71%
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Year IRA
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
36 Months
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
40 Pine St, Stoneham, MA 02180 2048
36 month IRA Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 36 month fixed
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 36 month variable
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
36 Months
$1,000
3.34%
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 120 Days Interest
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate, Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Year 1 rate
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate, Year 2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Year 2 rate
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate, Year 3
$0
3.30%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Year 3 rate
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
36-Month CD
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Tier 1 Rate: 3.21% for $500-$24,999.99; Tier 1 APY: 3.25% for $500-$24,999.99; Tier 2 Rate: 3.21% for $25,000 or more; Tier 2 APY: 3.25% for $25,000 or more
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 36 Month
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
36 Month CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
36 Month Certificate of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
36 Month IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Years
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
36 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
51 Willow St, Lynn, MA 01901
36 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
36 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
3 Years
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
36 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
241 Union St, Rockland, MA 02370
3 Year Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Compounding: Monthly
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
IRA Certificate 36 Month
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Share Certificate 36 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
36 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
3 Year Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Click for terms/conditions
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
36 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
36 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
3 Year IRA CD
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Haverhill, MA 01830 4132
36 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
3 Year Certificate
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
36 Month IRA CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
**
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
36 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
3 Year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
36-Month CD/IRA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Plus Spending APY: 3.03%; Premier Spending APY: 3.05%
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
36 Month IRA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
36 Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Massachusetts 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
48 Month Term Certificate
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
48 Month
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
4 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
4 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
48 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
48 Month Fixed
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.70%, APY with 2,500 Co-op Points: 3.76%
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
48 Month Certificate of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 48 Month
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
48 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
48 Month
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
48 Month CD
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Annual Percentage Yield is effective as of 6/29/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
51 Willow St, Lynn, MA 01901
48 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
48 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Share Certificate 48 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
48 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
48 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
48 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Haverhill, MA 01830 4132
48 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
48 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
48 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
IRA Certificate 48 Month
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
241 Union St, Rockland, MA 02370
4 Year Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Compounding: Monthly
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
4 Year IRA CD
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
48 Month IRA CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
**
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
48 Month IRA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
48 Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
48 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
48-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
4 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
4 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 4 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 4 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
IRA Certificates 4 Years
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
150 West St, Pittsfield, MA 01201
48 Month Business
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
947 Western Ave, Lynn, MA 01905 2640
48 Months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
70 Westview St, Lexington, MA 02421 3142
48 months
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
48-Month CD/IRA
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Plus Spending APY: 2.78%; Premier Spending APY: 2.80%
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PrimaryPlus Banking APY: 2.78%, Premier5 Banking APY: 2.80%
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
48 Months
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 120 Days Interest
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA 01570
48 month
$1,000
2.50%
▼
Rate2.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA 01570
IRA Certificate 48 month
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
7 Main St, Ayer, MA 01432
48 mo.
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
48 Months
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Massachusetts 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
60 Month
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
60 Month Term Certificate
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJul 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
5 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
60 Month
$200
3.75%
▼
Rate3.69%
Min Deposit$200
Min Balance—
UpdatedJul 15, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
5 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
60 months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
60 Month Fixed
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.75%, APY with 2,500 Co-op Points: 3.81%
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
5 years
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Flexible interest payouts: Compound your earnings into your CD or send them to your Happen Bank account. Annual Percentage Yield (APY) accurate as of 07/12/2026. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month fixed
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month variable
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
40 Pine St, Stoneham, MA 02180 2048
60 month IRA Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
60 Months
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
51 Willow St, Lynn, MA 01901
60 Month Term Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
60 Month Certificate of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
60-Month CD
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Tier 1 Rate: 3.21% for $500-$24,999.99; Tier 1 APY: 3.25% for $500-$24,999.99; Tier 2 Rate: 3.21% for $25,000 or more; Tier 2 APY: 3.25% for $25,000 or more
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts 60 Month
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
60 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Annual Percentage Yield is effective as of 6/29/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
60 Month CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
60 Month IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 14, 2026
Details
Visit a branch
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
60 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
60 Month
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
IRA Certificate 60 Month
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Share Certificate 60 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
60 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Haverhill, MA 01830 4132
60 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
60 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
60 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
60 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
241 Union St, Rockland, MA 02370
5 Year Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Compounding: Monthly
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
60 Month IRA CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
**
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
60 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
60 Month IRA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
60 Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Open an Account at Any Location
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
5 Year IRA CD
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
60-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedJul 7, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 2.5 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
IRA Certificates 5 Years
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 5 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 5 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 2.5 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
5 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
5 Year CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
APY effective as of 07/06/2026.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
2.5 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
2.5 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Powered by
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.
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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
2.487%
▲ 0.014 vs 7 days ago
Massachusetts 12-month CD rates rose 0.014 points over the past 7 days to 2.487% APY.
6-Month CD — MA Avg
2.471%
▼ 0.090 vs 7 days ago
Massachusetts 6-month CD rates fell 0.090 points over the past 7 days to 2.471% APY.
As of Jul 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MA CD Rate Forecast — Next 12 Months
Where are Massachusetts CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.487%
6-Month Forecast
2.487%
Range: 2.29% – 2.64%
12-Month Forecast
2.237%
Range: 2.04% – 2.39%
Powered by
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 | 1.951% | $97.55 | $195.09 | $487.73 | $975.45 |
| 6-Month CD | 2.471% | $123.54 | $247.07 | $617.68 | $1,235.35 |
| 12-Month CD | 2.487% | $124.35 | $248.70 | $621.75 | $1,243.50 |
| 18-Month CD | 2.452% | $122.62 | $245.24 | $613.10 | $1,226.20 |
| 24-Month CD | 2.303% | $115.16 | $230.31 | $575.78 | $1,151.55 |
| 36-Month CD | 2.142% | $107.08 | $214.16 | $535.40 | $1,070.80 |
| 48-Month CD | 2.109% | $105.47 | $210.94 | $527.35 | $1,054.70 |
| 60-Month CD | 2.437% | $121.86 | $243.72 | $609.30 | $1,218.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 16, 2026. | |||||
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 | 1.951% | $97.55 |
| 2 | 6-Month CD | $5,000 | 2.471% | $123.54 |
| 3 | 12-Month CD | $5,000 | 2.487% | $124.35 |
| 4 | 24-Month CD | $5,000 | 2.303% | $115.16 |
| 5 | 36-Month CD | $5,000 | 2.142% | $107.08 |
| Total ($25,000 invested) | $25,000 | 2.271% blended | $567.68/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.
748
CD Rates
Tracked in Massachusetts
Tracked in Massachusetts
55 Banks
46 Credit Unions
About Our Massachusetts CD Rate Database
MonitorBankRates tracks 748 CD rates from 55 banks and 46 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 (1–5), 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: Workers Federal Credit Union offers a CD at 4.33% APY with a minimum deposit of $50,000. 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 46 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 — 101 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Massachusetts savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$142/yr
At MA 12-mo avg 2.487% 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 2.487%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $142 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 (90–180 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, River Works Credit Union is offering its 6 Months at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hanscom Federal Credit Union is offering its 60 Month at 4.00% 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:
- Workers Federal Credit Union: 4.33% APY (12 Months)
- River Works Credit Union: 4.07% APY (6 Months)
- Align Credit Union: 4.05% APY (1 Year IRA CD)
- Leader Bank: 4.05% APY (6 Months)
- Winchester Co-operative Bank: 4.05% APY (12 Month TDC)
- Shrewsbury Federal Credit Union: 4.02% APY (6 Month Certificate)
- Lynn Firemens Federal Credit Union: 4.00% APY (1 year CD)
- Liberty Bank Middletown, CT: 4.00% APY (6-Month CD)
- Hanscom Federal Credit Union: 4.00% APY (48 Month)
- First Priority Credit Union Boston, MA: 4.00% APY (12 months)
Rates reflect recent verified offers available in Massachusetts. Last Updated: July 16, 2026
CD Calculators for Massachusetts
Massachusetts CD Calculator
At today’s MA top rate of 4.33% APY, a $10,000 deposit earns $433 in the first year. Enter your amount to see your exact return.
Massachusetts CD LadderMA CD rates currently range from 1.951% (3-month) to 2.142% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Massachusetts CD at 4.33% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.487% 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: July 16, 2026
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