CD Rates Massachusetts (MA) for April 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 Middlesex Federal SavingsMiddlesex Federal Savings1 College Ave, Somerville, MA 02144A+5.0 ★Texas Ratio: 0.50%Real return: +1.79%APY minus CPI (February 2026) offering IRA 18 Month Variable Rate Certificate at 4.59% APY, USALLIANCEUSALLIANCE71 Station Lndg, Medford, MA 02155 5191B4.5 ★Texas Ratio: 21.07%Real return: +1.30%APY minus CPI (February 2026) offering 18 Month Certificate at 4.10% APY, River Works Credit UnionRiver Works Credit Union947 Western Ave, Lynn, MA 01905 2640A5.0 ★Texas Ratio: 7.57%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 4.07% APY, Institution for SavingsInstitution for Savings93 State St, Newburyport, MA 01950A+5.0 ★Texas Ratio: 0.11%Real return: +1.25%APY minus CPI (February 2026) offering 24-MONTH CD at 4.05% APY, and Walpole Co-operative BankWalpole Co-operative Bank982 Main St, Walpole, MA 02081A+5.0 ★Texas Ratio: 2.48%Real return: +1.25%APY minus CPI (February 2026) offering 6 Month Certificate at 4.05% APY. CD rates as of April 12, 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 4.59% APY from Middlesex Federal Savings at 1 College Ave, Somerville, MA 02144. 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: April 12, 2026
Compare Best CD Rates in Massachusetts
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
27 Park St, Attleboro, MA 02703
Private 3-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
3 Month Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA 02155 5191
3 Month Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
3 Month CD/IRA
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
100 Powdermill Rd, Acton, MA 01720
3-Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Boost your tax refund by 3.75% APY.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
3 month CD
$500
3.64%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Month Certificate of Deposit
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Main St, Natick, MA 01760
Freedom Platinum 3 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
3 Month Certificates of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 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 Business CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
3 MONTH Certificates of Deposit (CDs)
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
3 Month Certificates of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
3 Month CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
3 Month CD
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
3 Month Certificate
$2,500
0.95%
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
3 Month Certificate
$0
0.76%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 3 Month
$100,000
0.65%
▼
Rate0.64%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
90 Day Certificate
$0
0.41%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
3 Month CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
90 Day Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
7 Main St, Ayer, MA 01432
3 mo. Certificates
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
125 High St, Boston, MA 02110
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
3 Month CD
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
6 Month Certificate of Deposit
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
6 Month Certificate
$2,500
4.05%
▼
Rate3.98%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
6 Month Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
Homeowner CD 6-Month
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Additional 4.00% Annualized Bonus for Leader Bank Home Purchase
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
Certificate Special 6-month
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
103 N Elm St, Westfield, MA 01085 1603
Certificate and IRA Certificates 6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
50 Cabot St, Needham, MA 02494
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Money Only
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 6 Month
$100,000
3.65%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
Certificate (CDs) / IRA 6 Month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Beach St, Quincy, MA 02170
Certificate of Deposit 6 Month
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
Term Deposit Savings 6 Month Terms
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Co-op Points boost your rate!
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
6 Month Share Certificates - Tier 1
$500
3.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
6 Month Certificates of Deposit
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
6 Month Certificate of Deposit (CD)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
6 Month CD
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
805 W Boylston St, Worcester, MA 01606 3032
6 Month CD
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LIMITED TIME ONLY
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
6 Month Certificates of Deposit
$500
3.25%
▼
Rate3.22%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
6 Month CD Premier5 Banking
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
6-Month CD/IRA Plus Spending
$0
3.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
6 Month Certificate of Deposit
$0
3.15%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
6 Month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
253 Main St, Southbridge, MA 01550
6 Month Certificate
$500
2.90%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
6 MONTH Certificates of Deposit (CDs)
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
6 Month CD
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA 01104
6 Month Share Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
6 Month CD
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
6 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
6 Month Certificates
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA 02026
6 Month Term CD
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
6 Month Certificate
$2,500
0.66%
▼
Rate0.65%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
6 Month Certificate
$0
0.51%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
6 Month CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
6 Month Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
6 Month Certificates of Deposit
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
6 Month Certificates of Deposit
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
6 Month IRA Certificate
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
6 Month 'No Penalty' Certificate of Deposit
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
not eligible for IRA
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
Share Certificates 6 Month
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
125 High St, Boston, MA 02110
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 6 month
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
10 Post Office Sq, Boston, MA 02109
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
12-MONTH CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
12 Month Share Certificates - Tier 1
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
12 Month Term Certificate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA 02155 5191
12 Month Step-Up Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months).
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
91 Pleasant St, Marblehead, MA 01945
Certificate of Deposit 1 Year
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits Jumbo 12-Month
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 12 Month
$100,000
3.65%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
12 Month CD/IRA
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
1 Year Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
Certificate (CDs) / IRA 12 Month
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
12 Month Certificate
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
806 Bedford St, Fall River, MA 02723
12 Month IRA Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
12 Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
12 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
121 Main St, Yarmouth Port, MA 02675
12 Month IRA
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
***
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
12-Month IRA
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 1 Year
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
12 Month CD Premier5 Banking
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
12-Month CD/IRA Plus Spending
$0
2.98%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
1 Year Certificates of Deposit
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
99 Chestnut St, North Attleboro, MA 02760
12 month Certificate Of Deposit
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
12 Month Certificate
$500
2.88%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
1 Year Term Certificates
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
109 Main St, Gloucester, MA 01930
1 Year Certificate of Deposit Account
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
12 MONTH Certificates of Deposit (CDs)
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
1 Year CD
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
12 Month Share Certificate
$500
2.25%
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
253 Main St, Southbridge, MA 01550
12 Month Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
12 Month Certificate of Deposit
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA 02026
12 Month Term CD
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
12-month term Certificates (CDs)
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
12 Month CD
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
12 Month Certificate
$500
1.02%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
1 Year Certificate of Deposit
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
1-Year Business CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
1 Year Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
1 Year Certificate
$0
0.61%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
12-Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA 02723
Share Certificates and IRA Certificates 1 Year
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
12 Month Certificates of Deposit
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
1 Year Certificate of Deposit
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA 01535
12 Month Certificate
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
12 Month Certificate of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
12 month IRA Certificates
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 12 month
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
Roth IRA 12 Month Share Certificate
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
10 Post Office Sq, Boston, MA 02109
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
IRA 18 Month Variable Rate Certificate
$100
4.59%
▼
Rate4.50%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA 02155 5191
18 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
18-Month Special Certificate
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
18 Month Share Certificates - Tier 1
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 18 Month
$100,000
3.70%
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
18 Month Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 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—
UpdatedApr 12, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
18 month CD
$500
3.49%
▼
Rate3.43%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Beach St, Quincy, MA 02170
Certificate of Deposit 18 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
18 Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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
$500
3.19%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
18 Month IRA Term Certificates
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.65%
775 Davol St, Fall River, MA 02720 1028
18 Month Certificate**
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
18 Month CD Premier5 Banking
$0
2.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
18-Month CD/IRA Plus Spending
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
18 MONTH Certificates of Deposit (CDs)
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
18 Month Share Certificate
$500
2.31%
▼
Rate2.29%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
18 Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
18 Month CD
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
18 Month Certificate of Deposit
$500
1.76%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
18 Month CD
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
18 Month Certificates
$500
1.60%
▼
Rate1.59%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
IRA Variable 18 Month Certificate
$50
1.28%
▼
Rate1.25%
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Relationship APY
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
18 Month CD/IRA
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
18 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA 01535
18 Month Certificate
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
18 Month CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
18 Month Certificates of Deposit
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Winter Hill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
342 Broadway, Somerville, MA 02145
Statement IRA 18 month
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Certificate of Deposit & IRAs 18 month Preferred CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
18 Month Certificate of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
18 Month CD
$500
0.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 18 month
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
24-MONTH CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
24-Month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA 02155 5191
24 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate Special
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
2 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 24 Month
$100,000
3.70%
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
24-Month Certificates of Deposit (CDs)
$500
3.67%
▼
Rate3.61%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 2 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
24 Month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
2 Year Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
24 Month Share Certificates - Tier 1
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
24 Month Jumbo CD Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
24 Month IRA
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
2 Year IRA Term Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 24-Month Special
$1,000
3.14%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
2 Year CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
24 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
2 Year Certificate
$0
3.01%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
24 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
2 Year Certificate
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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 Premier5 Banking
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
24-Month CD/IRA Plus Spending
$0
2.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
24 MONTH Certificates of Deposit (CDs)
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
24 Month Share Certificate
$500
2.36%
▼
Rate2.34%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
24-month term
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
2-Year Business CD
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
24 Month CD
$500
2.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
24 Month Certificate of Deposit
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
253 Main St, Southbridge, MA 01550
24 Month Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
2 Year CD
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
24 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
24 Month Certificate
$500
1.28%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
2 Year UniStep CD
$500
1.25%
▼
Rate1.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
2 Year Certificates of Deposit
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA 01535
24 Month Certificate
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA 02723
Share Certificates and IRA Certificates 2 Year
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
24 Month CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
24 Month Certificate
$500
0.40%
▼
Rate0.39%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
24 Month IRA Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
24 Month Certificate of Deposit
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
24 month IRA Certificates
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 24 month
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
Roth IRA 24 Month Share Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
3-Year Step-Up IRA Year - 3
$200
4.00%
▼
Rate3.93%
Min Deposit$200
Min Balance—
UpdatedApr 12, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA 02155 5191
36 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate Special
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
36-Month Special Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 36 Month
$100,000
3.50%
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
3 Year IRA Term Certificates
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
36 Month Jumbo CD Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate, Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
36 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
36 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
36 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
3 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
36 Month Certificate of Deposit
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA 01570
36 month IRA
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 Premier5 Banking
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 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 Plus Spending
$0
2.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
3 Year Certificate
$0
2.51%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
3 Year CD
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
36-month term
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
36 Month Share Certificate
$500
2.41%
▼
Rate2.39%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
3 Year Certificate
$1,000
2.35%
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
36 Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
36 Month Certificate of Deposit
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
36 MONTH Certificates of Deposit (CDs)
$500
2.00%
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2360 Massachusetts Ave, Cambridge, MA 02140
3 Year CD
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
3 Year Certificate of Deposit
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
36 Month Certificate
$500
1.69%
▼
Rate1.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
36 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
36 Month CD/IRA
$500
1.15%
▼
Rate1.14%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
3 Year Certificates of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
36 Month CD
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
36 Month Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA 02723
Share Certificates and IRA Certificates 3 Year
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
36 Month Certificate
$500
0.55%
▼
Rate0.54%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
36 Month IRA Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Beach St, Quincy, MA 02170
Certificate of Deposit 3 Year
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY 3 Year CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 36 month
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
Roth IRA 36 Month Share Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
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: 2.40%
29 High St, Medford, MA 02155 3801
4 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA 02155 5191
48 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 48 Month
$100,000
3.50%
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
48 Month Jumbo CD Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
48 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
48 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
48 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 48-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
4 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
48 Month Certificate of Deposit
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1 Monarch Pl, Springfield, MA 01144
Certificates of Deposit 48 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA 01570
48 month IRA
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
48 Month Share Certificate
$500
2.44%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
4 Year Certificate
$1,000
2.40%
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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 Plus Spending
$0
2.38%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 Premier5 Banking
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
48 Month Certificate
$500
2.05%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
48 MONTH Certificates of Deposit (CDs)
$500
2.00%
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
48 Month Certificates
$500
1.85%
▼
Rate1.84%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
48-Month Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
48 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
4 Year Certificates of Deposit
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
48 Month CD/IRA
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
4 Year Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA 02723
Share Certificates and IRA Certificates 4 Year
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
48 Month CD
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
48 Month Certificate IRA
$500
0.65%
▼
Rate0.64%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
48 Month IRA Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
48 Month Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Beach St, Quincy, MA 02170
Certificate of Deposit 4 Year
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
48 Month CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 48 month
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
Roth IRA 48 Month Share Certificate
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
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: 2.40%
29 High St, Medford, MA 02155 3801
5 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA 02155 5191
60 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
60-Month CD Special
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Limited Time CD
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 60 Month
$100,000
3.50%
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
5 Year Certificates of Deposit
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
60 Month Jumbo CD Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
60 Month Term Certificate
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
60 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
60-month term Certificates (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
60 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
60 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 60-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
2.5 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
60 Month Certificate of Deposit
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
60 Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
60 Month Share Certificate
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
5 Year Certificate
$1,000
2.45%
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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 PrimaryPlus Banking
$0
2.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
60-Month CD/IRA
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
60 Month Certificate
$500
2.05%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
60 Month Certificate
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2360 Massachusetts Ave, Cambridge, MA 02140
5 Year CD
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
5 Year Certificates of Deposit
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
60 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
60 Month CD/IRA
$500
1.30%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
5 Year Certificate
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
60 Month Certificate of Deposit
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
60 Month Certificate
$500
0.75%
▼
Rate0.74%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
330 Swansea Mall Dr, Swansea, MA 02777
4 - 5 Year Statement Certificate of Deposit (CD)
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
60 Month IRA Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
7 Main St, Ayer, MA 01432
60 mo. Certificates
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
Certificate (CDs) / IRA 60 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 60 month
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
60 month Variable IRA Certificates
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
Roth IRA 60 Month Share Certificate
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Massachusetts CD Rate Trends
Compare local Massachusetts CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MA Avg
2.169%
Unchanged vs 7 days ago
Massachusetts 12-month CD rates currently average 2.169% APY based on data from institutions in our monitoring network.
6-Month CD — MA Avg
2.434%
Unchanged vs 7 days ago
Massachusetts 6-month CD rates currently average 2.434% APY based on data from institutions in our monitoring network.
As of Apr 12, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.169%
6-Month Forecast
2.169%
Range: 1.97% – 2.32%
12-Month Forecast
1.919%
Range: 1.72% – 2.07%
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 | 2.063% | $103.17 | $206.33 | $515.83 | $1,031.65 |
| 6-Month CD | 2.434% | $121.71 | $243.42 | $608.55 | $1,217.10 |
| 12-Month CD | 2.169% | $108.45 | $216.89 | $542.23 | $1,084.45 |
| 18-Month CD | 2.107% | $105.37 | $210.73 | $526.83 | $1,053.65 |
| 24-Month CD | 2.222% | $111.08 | $222.15 | $555.38 | $1,110.75 |
| 36-Month CD | 1.947% | $97.35 | $194.70 | $486.75 | $973.50 |
| 48-Month CD | 1.780% | $88.99 | $177.98 | $444.95 | $889.90 |
| 60-Month CD | 2.242% | $112.10 | $224.20 | $560.50 | $1,121.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 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 | 2.063% | $103.17 |
| 2 | 6-Month CD | $5,000 | 2.434% | $121.71 |
| 3 | 12-Month CD | $5,000 | 2.169% | $108.45 |
| 4 | 24-Month CD | $5,000 | 2.222% | $111.08 |
| 5 | 36-Month CD | $5,000 | 1.947% | $97.35 |
| Total ($25,000 invested) | $25,000 | 2.167% blended | $541.76/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.
127
Institutions
in Massachusetts
in Massachusetts
54 Banks
37 Credit Unions
About Our Massachusetts CD Rate Database
MonitorBankRates tracks CD rates from 54 banks and 37 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: Middlesex Federal Savings offers a CD at 4.59% APY with a minimum deposit of $100. 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 37 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 — 91 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
$124/yr
At MA 12-mo avg 2.169% 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 2.169%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $124 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 |
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:
- Middlesex Federal Savings: 4.59% APY (IRA 18 Month Variable Rate Certificate)
- USALLIANCE: 4.10% APY (18 Month Certificate)
- River Works Credit Union: 4.07% APY (6 Month Certificate of Deposit)
- Institution for Savings: 4.05% APY (24-MONTH CD)
- Walpole Co-operative Bank: 4.05% APY (6 Month Certificate)
- Shrewsbury Federal Credit Union: 4.02% APY (6 Month Certificate)
- Members Plus Credit Union: 4.00% APY (4 year CD)
- Leader Bank: 4.00% APY (24-Month CD)
- Millbury Federal Credit Union: 4.00% APY (3-Year Step-Up IRA Year - 3)
- Leominster Employees Federal Credit Union: 4.00% APY (12 Month Share Certificates - Tier 1)
Rates reflect recent verified offers available in Massachusetts. Last Updated: April 12, 2026
CD Calculators for Massachusetts
Massachusetts CD Calculator
At today’s MA top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Massachusetts CD LadderMA CD rates currently range from 2.063% (3-month) to 1.947% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Massachusetts CD at 4.59% 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 2.169% 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
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 pulling data straight 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: April 12, 2026
Cities in Massachusetts
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