Massachusetts CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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: +1.32%APY minus CPI (February 2026) offering 12-Month Investment CD at 4.12% APY, Worcester Fire Dept Credit UnionWorcester Fire Dept Credit Union34 GLENNIE ST, WORCESTER, MA 01605A+5.0 ★Texas Ratio: 2.00%Real return: +1.28%APY minus CPI (February 2026) offering 12 Months CD at 4.08% 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 Month Certificate of Deposit at 4.07% 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 Business Term Deposit Certificates (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 Certificates of Deposit at 4.05% APY. CD rates as of June 1, 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 4.12% 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: June 1, 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
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—
UpdatedMay 21, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
947 Western Ave, Lynn, MA 01905 2640
3 Month Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA 02740 6635
3 Month Certificate of Deposit
$2,500
3.85%
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
UpdatedMay 31, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
200 Concord St, Framingham, MA 01702 8306
3 Month CD/IRA
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paid Monthly
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
Share Certificates 3 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 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
3 month CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
3 Month Term Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
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
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
100 Powdermill Rd, Acton, MA 01720
3-Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Boost your tax refund by 3.75% APY.
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 Accounts
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 17, 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 Accounts
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
3 Months Certificates of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
*Annual Percentage Yield
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
3 Months CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Main St, Natick, MA 01760
3 Month Certificate of Deposit
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
*Annual Percentage Yield
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
3 Month Certificates of Deposit
$2,500
3.25%
▼
Rate3.21%
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 29, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 3 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
3-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 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—
UpdatedMay 21, 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—
UpdatedMay 17, 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—
UpdatedMay 17, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 3 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
42 Main St, Hudson, MA 01749
3 Months Certificates of Deposit
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 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—
UpdatedMay 17, 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—
UpdatedMay 17, 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—
UpdatedMay 21, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
3 Month IRA Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 28, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Months Term Certificates
$500
1.95%
▼
Rate1.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
3 Month CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Dean Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
21 Main St, Franklin, MA 02038
CDs 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
3 Months Individual Retirement Accounts (IRA)
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 28, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA 01607
3 Month Certificate
$1,000
0.76%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
3 Month Certificate
$500
0.65%
▼
Rate0.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
3 Month Certificates & Individual Retirement Accounts
$500
0.50%
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
3 Months Certificate
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 3 Months
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
IRA & Share Certificate 3 Months
$500
0.49%
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
3 Months
$0
0.49%
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedJun 1, 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—
UpdatedMay 6, 2026
Details
Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
275 Washington St, North Easton, MA 02356
CDs and IRAs 3 months
$2,500
0.25%
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 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 Month Certificate of Deposit
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
6 Months Certificates of Deposit
$0
4.05%
▼
Rate4.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 22, 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—
UpdatedMay 22, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
6-Month CD
$1,000
4.00%
▼
Rate4.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Additional 4.00% Annualized Bonus for Leader Bank Home Purchase
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
6 Month Certificate
$2,500
3.95%
▼
Rate3.88%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.87%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 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
3.91%
▼
Rate3.87%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month Business Term Deposit Certificates (TDC)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
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—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month Term Deposit Certificates (TDC)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
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—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit 6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 31, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
Standard Share Certificate 6 months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
6 Months Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
Certificate Special 6-month
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 6 Months
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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 Certificates & IRAs
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
New Money Special
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 Share/IRA Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
New Money Special
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
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 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
Share/IRA Certificates 6 months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
New Money Special
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—
UpdatedMay 17, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 29, 2026
Details
New Money Only
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Certificate of Deposit & IRAs 6 months
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
6 Month
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
200 Concord St, Framingham, MA 01702 8306
6 Month CD/IRA
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paid Monthly
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Certificate of Deposit 6 months
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
50 Cabot St, Needham, MA 02494
6 Month Certificate
$250
3.70%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
New Money Only; 3.75% APY?balances $100,000+
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
6 Months Certificates of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 31, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA 02740 6635
6 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA 01607
IRA Certificate 6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA 01607
6 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
6 Months - 18 Months CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 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 Accounts
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
6 Month Certificate
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
6-Month HSA CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
513 Main St, Athol, MA 01331 1825
6 Month Certificate (CDs) / IRA
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
160 Main St, Gloucester, MA 01930
6 Months CD
$2,500
3.60%
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 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 Certificates & IRAs
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 31, 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 Share/IRA Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 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
Share/IRA Certificates 6 months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 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 Accounts
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
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—
UpdatedMay 31, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
IRA Certificates 6 Month
$500
3.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
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 2
$25,000
3.53%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 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 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-Month Investment CD
$50,000
4.12%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
34 GLENNIE ST, WORCESTER, MA 01605
12 Months CD
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month Business Term Deposit Certificates (TDC)
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month Term Deposit Certificates (TDC)
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 12 Month IRA TDC
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
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—
UpdatedMay 28, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
12 Months Certificates of Deposit
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
12-Month CD
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
71 Washington St, Salem, MA 01970
12-Month CD/IRA Special
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Limited-Time CD/IRA Specials
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
IRA Certificates 12 Month
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 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 2
$25,000
4.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 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.
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—
UpdatedMay 17, 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: 0.51%
51 Willow St, Lynn, MA 01901
12 Month Term Certificate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month IRA Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA 12 Month
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
12 Month IRA
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
12 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 31, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
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—
UpdatedMay 29, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
1 Year Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
12 Month IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 12 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
12 Months Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 22, 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—
UpdatedMay 22, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
12 months Certificate
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
Regular term and IRA Certificates - 12 months
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
12 Months Certificates of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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 Traditional & Roth IRA's
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 20, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
12 Month Certificate
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 28, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits First-Responder 12-Month
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
200 Concord St, Framingham, MA 01702 8306
12 Month CD/IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paid Monthly
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 12-Month Special
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
10 Holden St, Malden, MA 02148
12 Months Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 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 Certificates & IRAs
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 31, 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 Share/IRA Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 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
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 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
Share/IRA Certificates 12 months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
SEP (Simplified Employee Pension) IRA Certificates 12 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Certificates of Deposit 12 Months
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedMay 31, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1 Year IRA CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
Share Certificates 12 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 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
IRA Certificates 12 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $500.00
Massachusetts 18 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
18 month CD
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 31, 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 2
$25,000
3.72%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 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.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
IRA Certificates 18 Month
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 17, 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.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
18 Months CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 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—
UpdatedMay 28, 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—
UpdatedMay 22, 2026
Details
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—
UpdatedMay 22, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
18 Month IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
18 Month CD/IRAs
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
200 Concord St, Framingham, MA 01702 8306
18 Month CD/IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paid Monthly
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 17, 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—
UpdatedMay 21, 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—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 18 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
18 Month Certificate
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
IRA & Share Certificate 18 Months
$500
3.44%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
18 Months
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 18-Month Special
$5,000
3.35%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 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 Accounts
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 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
Share/IRA Certificates 18 months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits One-Time Bump 18-Month
$5,000
3.30%
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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 Certificates & IRAs
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 31, 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 Share/IRA Certificates
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 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—
UpdatedMay 31, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
Share Certificates 18 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 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
18 Month Term Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
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
IRA Certificates 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $500.00
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
18 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 31, 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—
UpdatedMay 31, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Certificates of Deposit 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
IRA Certificates 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
SEP (Simplified Employee Pension) IRA Certificates 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
18 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
18 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
18 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
18-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500-$24,999.99
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
18 Month Certificate of Deposit (CD)
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
18 Month Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 20, 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 Accounts
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Massachusetts 24 Month CD Rates
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—
UpdatedMay 28, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
24 Months Certificates of Deposit
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 31, 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 Share Certificate Rate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
520 W Boylston St, Worcester, MA 01606 2026
24-Month Save for Success Hybrid Share Certificate
$25
3.75%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedMay 18, 2026
Details
Transfer In Up To $1,000 Each Month
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—
UpdatedMay 29, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month IRA Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
24 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
24 Month IRA
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA 24 Month
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
24-Month Certificates of Deposit (CDs)
$500
3.67%
▼
Rate3.61%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500-$24,999.99
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 2 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
24 Month CD/IRAs
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
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—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 24 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
24 Months Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 24 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit 2 years
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
24 Month Certificate
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Church St, Leominster, MA 01453
IRA Certificates 24 Month
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 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 2
$25,000
3.44%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 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.
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—
UpdatedMay 17, 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.
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
200 Concord St, Framingham, MA 01702 8306
24 Month CD/IRA
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paid Monthly
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
24 Months
$0
3.34%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
IRA & Share Certificate 24 Months
$1,000
3.34%
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8 Cedar St, Woburn, MA 01801 7246
24 Months Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8 Cedar St, Woburn, MA 01801 7246
Share Certificate & IRA Certificates 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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—
UpdatedMay 22, 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—
UpdatedMay 22, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
24 months CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
Share Certificates 24 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 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
24 Month Term Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
24 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
24 Month Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
160 Main St, Gloucester, MA 01930
24 Month CD
$500
3.25%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 28, 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.
Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
368 W Broadway, South Boston, MA 02127 2272
CD's and IRA's (24 months)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
2 Granite Ave, Milton, MA 02186
24 Month Certificate of Deposit (CD)
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 20, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 20, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
24 Month Certificates & Individual Retirement Accounts
$500
3.20%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
2 Year IRA Term Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 31, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 36 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
36 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
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
Share Certificates 36 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit 3 years
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
36 Months Certificate
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 36 Months
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Year IRA Term Certificates
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 22, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
36 months Certificate
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8 Cedar St, Woburn, MA 01801 7246
Share Certificate & IRA Certificates 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8 Cedar St, Woburn, MA 01801 7246
36 Months Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
200 Concord St, Framingham, MA 01702 8306
36 Month CD/IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paid Monthly
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
Regular term and IRA Certificates - 36 months
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 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 Month Step Up Certificate, Year 3
$0
3.30%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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 Month Step Up Certificates of Deposit Year 3
$0
3.30%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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 Month Step Up Certificates of Deposit Year 2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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 Month Step Up Certificates of Deposit Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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 Month Step Up Certificate, Year 2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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 Month Step Up Certificate, Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
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—
UpdatedMay 22, 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—
UpdatedMay 22, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA 36 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
36 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
36 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
36 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
36 months CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
36 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
36 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
36-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500-$24,999.99
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Years Term Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 36 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
36 Months
$0
3.13%
▼
Rate3.09%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
IRA & Share Certificate 36 Months
$1,000
3.13%
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 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—
UpdatedMay 23, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
36 Months Certificates of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
10 Holden St, Malden, MA 02148
36 Months Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
3 Years Certificate and IRA Certificates
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Traditional IRA 36 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 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—
UpdatedJun 1, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Roth IRA 36 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
IRA Certificates 36 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
36 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Massachusetts 48 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
4 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
Share Certificates 48 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 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 Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
48 months Certificate
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
Regular term and IRA Certificates - 48 months
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
200 Concord St, Framingham, MA 01702 8306
48 Month CD/IRA
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paid Monthly
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—
UpdatedMay 22, 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—
UpdatedMay 22, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA 48 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
48 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
48 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
48 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
48 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
48 months CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
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—
UpdatedMay 23, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
48 Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
48 Month CD/IRAs
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
4 Year
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
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—
UpdatedMay 29, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 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—
UpdatedJun 1, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
IRA Certificates 48 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Roth IRA 48 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Traditional IRA 48 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
48 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
IRA Certificate Of Deposit 48 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 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—
UpdatedMay 20, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
48 Month IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
Standard Share Certificate 48 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 21, 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%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 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 Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
48 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 48 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
48 Month Certificates & Individual Retirement Accounts
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
48 Months Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 48 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 20, 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—
UpdatedMay 31, 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—
UpdatedMay 31, 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—
UpdatedMay 31, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
SEP (Simplified Employee Pension) IRA Certificates 4 Years
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
150 West St, Pittsfield, MA 01201
48 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Massachusetts 60 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
5 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
60 months Certificate
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA 02127 1028
Regular term and IRA Certificates - 60 months
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
60 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
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
IRA Certificates 60 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $500.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
Share Certificates 60 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
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—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit 5 years
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 22, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 60 Months
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
60 Months Certificate
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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—
UpdatedMay 22, 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—
UpdatedMay 22, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
I.R.A. Certificates 60 Month
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedMay 30, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
60 Month Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA 60 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
60 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
60 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
60 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
60 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
60 months CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
60 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 29, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
60 Month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
60-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
$500-$24,999.99
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 60 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
60 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 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—
UpdatedJun 1, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Roth IRA 60 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
IRA Certificates 60 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 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—
UpdatedMay 29, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
5 Year
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
60 Month CD/IRAs
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
IRA Certificate Of Deposit 60 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA 01104
Traditional IRA 60 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
60 Month IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
5 Years Certificates of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
60 Month Certificates & Individual Retirement Accounts
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 20, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
Standard Share Certificate 60 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 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 Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
60 Month IRA CD**
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
60 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 17, 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
2.218%
▲ 0.028 vs 7 days ago
Massachusetts 12-month CD rates rose 0.028 points over the past 7 days to 2.218% APY.
6-Month CD — MA Avg
2.555%
▲ 0.035 vs 7 days ago
Massachusetts 6-month CD rates rose 0.035 points over the past 7 days to 2.555% APY.
As of Jun 3, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.218%
6-Month Forecast
2.218%
Range: 2.02% – 2.37%
12-Month Forecast
1.968%
Range: 1.77% – 2.12%
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 | 2.128% | $106.41 | $212.82 | $532.05 | $1,064.10 |
| 6-Month CD | 2.555% | $127.77 | $255.53 | $638.83 | $1,277.65 |
| 12-Month CD | 2.218% | $110.90 | $221.80 | $554.50 | $1,109.00 |
| 18-Month CD | 2.204% | $110.19 | $220.37 | $550.93 | $1,101.85 |
| 24-Month CD | 2.277% | $113.86 | $227.72 | $569.30 | $1,138.60 |
| 36-Month CD | 2.126% | $106.32 | $212.64 | $531.60 | $1,063.20 |
| 48-Month CD | 2.087% | $104.37 | $208.73 | $521.83 | $1,043.65 |
| 60-Month CD | 2.231% | $111.54 | $223.07 | $557.68 | $1,115.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 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 | 2.128% | $106.41 |
| 2 | 6-Month CD | $5,000 | 2.555% | $127.77 |
| 3 | 12-Month CD | $5,000 | 2.218% | $110.90 |
| 4 | 24-Month CD | $5,000 | 2.277% | $113.86 |
| 5 | 36-Month CD | $5,000 | 2.126% | $106.32 |
| Total ($25,000 invested) | $25,000 | 2.261% blended | $565.26/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.
985
CD Rates
Tracked in Massachusetts
Tracked in Massachusetts
53 Banks
52 Credit Unions
About Our Massachusetts CD Rate Database
MonitorBankRates tracks 985 CD rates from 53 banks and 52 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 4.12% 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 52 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 — 105 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
$127/yr
At MA 12-mo avg 2.218% 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 2.218%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $127 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 Month Certificate of Deposit at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Members Plus Credit Union is offering its 5 year CD at 3.87% 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: 4.12% APY (12-Month Investment CD)
- Worcester Fire Dept Credit Union: 4.08% APY (12 Months CD)
- River Works Credit Union: 4.07% APY (6 Month Certificate of Deposit)
- Winchester Co-operative Bank: 4.05% APY (12 Month Business Term Deposit Certificates (TDC))
- Leader Bank: 4.05% APY (6 Months Certificates of Deposit)
- Institution for Savings: 4.05% APY (12-Month CD)
- Shrewsbury Federal Credit Union: 4.02% APY (6 Month Certificate)
- Webster Bank: 4.00% APY (Private 3-Month CD)
- Leominster Employees Federal Credit Union: 4.00% APY (12 Month Share Certificates - Tier 1)
- Salem Five Cents Savings Bank: 4.00% APY (12-Month CD/IRA Special)
Rates reflect recent verified offers available in Massachusetts. Last Updated: June 1, 2026
CD Calculators for Massachusetts
Massachusetts CD Calculator
At today’s MA top rate of 4.12% APY, a $10,000 deposit earns $412 in the first year. Enter your amount to see your exact return.
Massachusetts CD LadderMA CD rates currently range from 2.128% (3-month) to 2.126% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Massachusetts CD at 4.12% 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 2.218% 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: June 1, 2026
Cities in Massachusetts
Rate Assistant
MonitorBankRates.com · Live Data
Try asking