Massachusetts Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Massachusetts CD rates include Middlesex Federal SavingsMiddlesex Federal Savings1 College Ave, Somerville, MA 02144A+5.0 ★Texas Ratio: 0.50%Real return: +2.41%APY minus CPI (February 2026) offering IRA 18 Month Variable Rate Certificate at 5.21% APY, Happen BankHappen Bank1 Harbor St, Boston, MA 02210A5.0 ★Texas Ratio: 6.13%Real return: +1.60%APY minus CPI (February 2026) offering Consumer Certificate of Deposit - 2 years at 4.40% APY, Plymouth County Teachers Federal Credit UnionPlymouth County Teachers Federal Credit Union2203 Cranberry Hwy, West Wareham, MA 02576 1210A5.0 ★Texas Ratio: 10.09%Real return: +1.53%APY minus CPI (February 2026) offering 12-Month Traditional/Roth IRA CD at 4.33% APY, USALLIANCEUSALLIANCE71 Station Lndg, Medford, MA 02155 5191B4.5 ★Texas Ratio: 6.66%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, and Workers Federal Credit UnionWorkers Federal Credit Union815 Main St, Fitchburg, MA 01420A5.0 ★Texas Ratio: 8.41%Real return: +1.43%APY minus CPI (February 2026) offering 12 Months at 4.23% APY. CD rates as of September 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 5.21% APY from Middlesex Federal Savings at 1 College Ave, Somerville, MA 02144. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026
Compare Best CD Rates in Massachusetts
Massachusetts 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
947 Western Ave, Lynn, MA 01905 2640
3 Month CD
$500
3.90%
▲ 1.94% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.94% above avg
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA 02740 6635
3 Month SPECIAL Certificate of Deposit
$2,500
3.85%
▲ 1.89% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
3 Month Certificate of Deposit
$1,000
3.80%
▲ 1.84% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
Open 3 Month CD Online
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
3 Month IRA Certificate of Deposit
$250
3.80%
▲ 1.84% above national avg
▼
Rate3.73%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
3 Months
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
3 month
$500
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
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%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month Premium
$50,000
3.65%
▲ 1.69% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.69% above avg
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
500 Merrimack St, Lawrence, MA 01843
3 Month Premium Certificate
$50,000
3.65%
▲ 1.69% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.69% above avg
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Month
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
600 Atlantic Ave, Boston, MA 02210
3 month CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month
$500
3.55%
▲ 1.59% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
500 Merrimack St, Lawrence, MA 01843
3 Month Certificate
$500
3.55%
▲ 1.59% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
3 Months CD
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
3 Month
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
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
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA 01852 5909
3 months
$500
3.39%
▲ 1.43% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.43% above avg
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
3 Month CD
$500
3.35%
▲ 1.39% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
199 Worcester Ct, Falmouth, MA 02540
3 Months
$500
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Cambridge Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Months
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
3 Month
$500
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
Business 3 Month
$500
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
Business 3 Month CD
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
3 Month
$500
3.25%
▲ 1.29% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
3 Month CD
$500
3.25%
▲ 1.29% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.29% above avg
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%
▲ 1.24% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.24% above avg
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
70 Westview St, Lexington, MA 02421 3142
3 Months High Yield
$500
3.10%
▲ 1.14% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.14% above avg
Details
New Money Only: No; May be used for Traditional and Roth accounts: No
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
42 Main St, Hudson, MA 01749
3 Months
$1,000
3.00%
▲ 1.04% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
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%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
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%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
300 Granite St Fl 3, Braintree, MA 02184 3909
3 Month
$500
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
88 washington st, taunton, MA 02780 2465
3 months
$0
2.79%
▲ 0.83% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.83% above avg
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
3 MONTH
$500
2.75%
▲ 0.79% above national avg
▼
Rate2.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
3 month
$0
2.75%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
IRA Certificate Of Deposit - 3 month
$500
2.75%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
3 Months
$500
2.75%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
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
2.75%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Canton Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
671 Washington St, Canton, MA 02021
3 Month CD
$0
2.56%
▲ 0.60% above national avg
▼
Rate2.53%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.60% above avg
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
3 Month
$0
2.50%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
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%
▲ 0.29% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.29% above avg
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 3 Month
$0
2.25%
▲ 0.29% above national avg
▼
Rate2.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.29% above avg
Details
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
3 Month Certificate
$500
2.25%
▲ 0.29% above national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.29% above avg
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Months
$500
1.95%
▼ 0.01% below national avg
▼
Rate1.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.01% below avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
90 Days Fixed
$0
1.25%
▼ 0.71% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
With 2,500 Co-op Points
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
3 Month Certificate
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
3 Month IRA Certificate
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Month
$0
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Month TD Choice CD
$250
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Relationship APY
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
3 Month CD
$500
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
Business 3 Month CD
$500
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Massachusetts 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 6 months
$500
4.20%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
6 Months
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
6-Month CD
$0
4.10%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
6 Month Certificate
$2,500
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
Business 6 Month Certificate
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
947 Western Ave, Lynn, MA 01905 2640
6 Month CD
$500
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
6 Month CD
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
199 Worcester Ct, Falmouth, MA 02540
6 Months
$250
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
6-Month
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
6-Month CD
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
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 Certificate 6 months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
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
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
6 Month Certificate of Deposit
$1,000
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Open 6 Month CD Online
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
6 Month IRA Certificate of Deposit
$250
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month TDC
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
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%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
(1)
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Business 6 Month TDC
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
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%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
6 Month IRA CD
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
910 W Boylston St, Worcester, MA 01606
6 Month Term Share Certificate / Term Share IRA
$500
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
6 months
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
248 Broadway, Methuen, MA 01844
6 Month
$1,000
3.81%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.14% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
248 Broadway, Methuen, MA 01844
6 month CD SPECIAL
$0
3.81%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.14% above avg
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
6-Month Business CD
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
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
3.80%
▲ 1.13% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
IRA Certificates 6 months
$0
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.12% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
6 months
$0
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.09% above avg
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
6-Month Insured CD
$500
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.08% above avg
Details
Fixed rate term. New money only. $250,000 maximum deposit. APY assumes the interest remains on deposit until maturity. A penalty may be imposed for early withdrawal. Offer may be withdrawn at any time. Will automatically renew at maturity to a 6-month Certificate unless the customer chooses another product. Does not apply to IRAs.
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
6-Month Special Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.08% above avg
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
6 months
$2,500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Compounding: Monthly
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Business 6 months
$2,500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
241 Union St, Rockland, MA 02370
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
6 Month CD
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
6 Month IRA CD
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 6 Month CD
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 6 Month IRA CD
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
6 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
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
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
6 Months
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.99% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
6 Month
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.99% above avg
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA 01607
6 Month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
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%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
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%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 6 Month
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 6 Month
$100,000
3.65%
▲ 0.98% above national avg
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
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
$50,000
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
500 Merrimack St, Lawrence, MA 01843
6 Month Premium Certificate
$50,000
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
6 Month CD
$0
3.63%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.96% above avg
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
6 Month IRA
$0
3.63%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.96% above avg
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
513 Main St, Athol, MA 01331 1825
Certificate (CDs) / IRA 6 Month
$0
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
Massachusetts 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month Traditional/Roth IRA CD
$100,000
4.33%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.50% above avg
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
12 Months
$0
4.23%
▲ 1.40% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.40% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
12 Months
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
12-Month CD
$0
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Up to $250,000
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
1 Year Certificate
$1,000
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
Business 1 Year Certificate
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
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%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month TDC
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Business 12 Month TDC
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1 Year CD
$500
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1 Year IRA CD
$500
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1 Year CD
$500
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1 Year IRA CD
$500
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
12 Month CD
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
199 Worcester Ct, Falmouth, MA 02540
12 Months
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
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%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
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 Certificate 12 months
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
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
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
12 months
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.04% above avg
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
1 Year Certificate of Deposit
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Open 1 Year CD Online
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
1 Year IRA Certificate of Deposit
$250
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
42 Main St, Hudson, MA 01749
12 Month CD
$5,000
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
350 Broadway, Everett, MA 02149
6-12 month CD/IRA Special
$10,000
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
160 Main St, Gloucester, MA 01930
12-Month CD
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month Certificate
$0
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
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
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
51 Willow St, Lynn, MA 01901
12 Month Term Certificate
$0
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
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%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 12 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Online Only
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
12 Month CD
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.92% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
IRA Certificates 12 months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
12 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
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
12 Month Share Certificate
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
805 W Boylston St, Worcester, MA 01606 3032
1 year
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
LIMITED TIME ONLY
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
910 W Boylston St, Worcester, MA 01606
12 Month Term Share Certificate / Term Share IRA
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
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%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.18%
455 W Broadway, South Boston, MA 02127 2218
12 Months Share Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 1 Year
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
1 Year CD
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA 02150
IRA Certificates - 12 Months
$0
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
Traditional & Roth IRA's
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
12 Month
$0
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 12 Month
$500
3.65%
▲ 0.82% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 12 Month
$100,000
3.65%
▲ 0.82% above national avg
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
First-Responder 12-Month
$1,000
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 12 month fixed
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 12 month variable
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
10 Holden St, Malden, MA 02148
12 Months
$500
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
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 Certificate 12 months
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
Massachusetts 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
IRA 18 Month Variable Rate Certificate
$100
5.21%
▲ 2.53% above national avg
▼
Rate5.09%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 2.53% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
18 Months
$0
4.15%
▲ 1.47% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
18-Month CD
$0
4.15%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1.5 Year CD
$500
4.10%
▲ 1.42% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
1.5 Year IRA CD
$500
4.10%
▲ 1.42% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1.5 Year CD
$500
4.10%
▲ 1.42% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
87 Hale St, Lowell, MA 01851
Business 1.5 Year IRA CD
$500
4.10%
▲ 1.42% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
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
4.05%
▲ 1.37% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month TDC
$0
4.05%
▲ 1.37% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Business 18 Month TDC
$0
4.05%
▲ 1.37% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
18-Month Traditional/Roth IRA CD
$500
4.02%
▲ 1.34% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.34% above avg
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
18 Month CD
$500
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
18 Month
$200
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
18 Month Certificate
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
18 Month Certificate IRA
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
240 Cabot St, Beverly, MA 01915
18-Month M&T Select CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month Certificate
$0
3.81%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.13% above avg
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
3.81%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.13% above avg
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
246 Main St, Milford, MA 01757
18 Months
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
18-Month Special Certificate
$500
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.07% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
18 month CD
$500
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
18 Month Certificate of Deposit
$1,000
3.70%
▲ 1.02% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Open 18 Month CD Online (Opens in new tab)
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
18 Month IRA Certificate of Deposit
$250
3.70%
▲ 1.02% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA 01201
18 Months CD
$0
3.70%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 18 Months
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.70%
▲ 1.02% above national avg
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
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%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 18 month fixed
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 18 month variable
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
70 Westview St, Lexington, MA 02421 3142
18 months
$500
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
New Money Only: No; May be used for Traditional and Roth accounts: Yes
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
18 months
$0
3.56%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.88% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
18 Month Fixed
$0
3.55%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
With 2,500 Co-op Points
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
18 Months
$500
3.55%
▲ 0.87% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Penalty: 120 Days Interest
Cambridge Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1374 Massachusetts Ave, Cambridge, MA 02138
18 Months
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
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%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 18 Month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
18 Month
$1,000
3.50%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Open an Account at Any Location
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
18 month
$500
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
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%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 18 months
$500
3.50%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
18 Month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
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
18 Month Share Certificate
$1,000
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
40 Pine St, Stoneham, MA 02180 2048
18 month Certificate
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
910 W Boylston St, Worcester, MA 01606
18 Month Term Share Certificate / Term Share IRA
$500
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
57 Newton St, Greenfield, MA 01301 3113
Term Certificates (CDs) & IRAs - 18 Month
$0
3.46%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.78% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.45%
▲ 0.77% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 18 Month
$500
3.45%
▲ 0.77% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
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
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Massachusetts 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 2 years
$500
4.40%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.69% above avg
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
71 Station Lndg, Medford, MA 02155 5191
24 Month Certificate
$0
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Special Rate
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
24 Months
$0
4.15%
▲ 1.44% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
24-Month CD
$0
4.15%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
Up to $250,000
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month IRA TDC
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month TDC
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Business 24 Month TDC
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month Traditional/Roth IRA CD
$50,000
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
24-Month CD Special
$500
3.92%
▲ 1.21% above national avg
▼
Rate3.86%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
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%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
18 Union St Ste 104, Norfolk, MA 02056 1855
24 Months Rate
$0
3.85%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month Certificate
$0
3.81%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.10% above avg
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
3.81%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.10% above avg
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
2 Year CD
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month Traditional/Roth IRA CD
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Online Only
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
24 Month CD
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.04% above avg
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
24-Month Special Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.04% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
40 Pine St, Stoneham, MA 02180 2048
24 month Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
24 Month
$200
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 2 Years
$0
3.70%
▲ 0.99% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month
$100,000
3.70%
▲ 0.99% above national avg
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
24-Month CD
$500
3.67%
▲ 0.96% above national avg
▼
Rate3.61%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.96% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
24 Month Fixed
$0
3.66%
▲ 0.95% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.95% above avg
Details
With 2,500 Co-op Points
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 24 month fixed
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 24 month variable
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
101 Page St, New Bedford, MA 02740
2 Year
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
24 months
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
2 Year CD
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
248 Broadway, Methuen, MA 01844
24 Month
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
24 Months
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Penalty: 120 Days Interest
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
24 Month
$1,000
3.51%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
Open an Account at Any Location
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
57 Newton St, Greenfield, MA 01301 3113
Term Certificates (CDs) & IRAs - 24 Month
$0
3.51%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
24 month
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
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
24 Month Share Certificate
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
24 Months
$500
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
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%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month
$100,000
3.45%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 24 Month
$500
3.45%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
24 Month "Bump-up"
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
With 2,500 Co-op Points
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
24 Month Fixed
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
320 Needham St, Newton, MA 02464
2 years
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
320 Needham St, Newton, MA 02464
IRA Certificate 2 years
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
24 Month
$1,000
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8 Cedar St, Woburn, MA 01801 7246
24 Months
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
103 N Elm St, Westfield, MA 01085
IRA Certificates 24 months
$0
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.58% above avg
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
24 Month CD/IRA
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
756 Orchard St, Raynham, MA 02767
24 Month Fixed Rate CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
246 Main St, Milford, MA 01757
24 Months
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Massachusetts 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
3 Years
$0
4.15%
▲ 1.50% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
3-Year CD
$0
4.15%
▲ 1.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
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
4.10%
▲ 1.44% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month TDC
$0
4.10%
▲ 1.44% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Business 36 Month TDC
$0
4.10%
▲ 1.44% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
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%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
101 Page St, New Bedford, MA 02740
3 Year
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month Certificate
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
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
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
3 Year CD
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
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 Certificate
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
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
3.80%
▲ 1.15% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
36-Month Special Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.10% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
36 Month
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
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
36 Month Share Certificate
$1,000
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month Traditional/Roth IRA CD
$50,000
3.75%
▲ 1.10% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
36 Month
$200
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
36 Month Fixed
$0
3.71%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.06% above avg
Details
With 2,500 Co-op Points
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 3 Years
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month Traditional/Roth IRA CD
$500
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.91% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
36 months
$0
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.91% above avg
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
3 Year CD
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
248 Broadway, Methuen, MA 01844
36 Month
$1,000
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
57 Newton St, Greenfield, MA 01301 3113
Term Certificates (CDs) & IRAs - 36 Month
$0
3.51%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.86% above avg
Details
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
320 Needham St, Newton, MA 02464
3 years
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
320 Needham St, Newton, MA 02464
IRA Certificate 3 years
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
282 Providence Hwy, Westwood, MA 02090
3 years
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
1x Bump Up
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 36 Month
$100,000
3.50%
▲ 0.85% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 3 years
$500
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
36 Month Fixed
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
155 State St, Newburyport, MA 01950
3 Year IRA
$500
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
36 Months
$500
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
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%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 36 month fixed
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 36 month variable
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
752 Main St, Tewksbury, MA 01876
36 Months
$1,000
3.34%
▲ 0.69% above national avg
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Penalty: 120 Days Interest
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
36 Month
$1,000
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8 Cedar St, Woburn, MA 01801 7246
36 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
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%
▲ 0.65% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
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%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
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 Year 1
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Year 2
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
36 month
$500
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
756 Orchard St, Raynham, MA 02767
36 Month Fixed Rate CD
$0
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
36 Month
$500
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
246 Main St, Milford, MA 01757
36 Months
$1,000
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
36 months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business 36 months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
36 Month CD
$500
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.60% above avg
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
36-Month CD
$500
3.25%
▲ 0.60% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Massachusetts 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
4 Years
$0
4.15%
▲ 1.49% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
48 Month
$0
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
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
48 Month Share Certificate
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
4 year CD
$500
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
40 Pine St, Stoneham, MA 02180 2048
48 month Certificate
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$0
3.81%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
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
3.81%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
48 Month Fixed
$0
3.76%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
With 2,500 Co-op Points
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 4 Years
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
48 Month
$200
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month Traditional/Roth IRA CD
$500
3.61%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
48 months
$0
3.56%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
57 Newton St, Greenfield, MA 01301 3113
Term Certificates (CDs) & IRAs - 48 Month
$0
3.51%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
320 Needham St, Newton, MA 02464
IRA Certificate 4 years
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
48 Month Fixed
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.50%
▲ 0.84% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
246 Main St, Milford, MA 01757
48 Months
$1,000
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
248 Broadway, Methuen, MA 01844
48 Month
$1,000
3.29%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.63% above avg
Details
Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
756 Orchard St, Raynham, MA 02767
48 Month Fixed Rate CD
$0
3.25%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month
$500
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
48 months
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business 48 months
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
48 Month CD
$500
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.59% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.25%
▲ 0.59% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 48 Month
$500
3.25%
▲ 0.59% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
4 Year Certificate of Deposit
$1,000
3.15%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Open 4 Year CD Online
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
4 Year IRA Certificate of Deposit
$250
3.15%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
48 Month
$0
3.14%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.48% above avg
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%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
Business 48 Month CD
$0
3.05%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
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%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
48 Month
$1,000
3.04%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
48 Months
$0
3.04%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
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%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificate 48 Month
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
48 Month
$1,000
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Open an Account at Any Location
Bay State Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
28 Franklin St, Worcester, MA 01608
48-month
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
4-Year
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
48 Month CD
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
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%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
**
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
85 Main St, Florence, MA 01062
Business 48 Month CD
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
4 Year IRA CD
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
241 Union St, Rockland, MA 02370
4 Year
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
179 Main St, Southbridge, MA 01550
48 Month IRA Certificate
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
910 W Boylston St, Worcester, MA 01606
48 Month Term Share Certificate / Term Share IRA
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
99 Chestnut St, North Attleboro, MA 02760
48 month
$0
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
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
$500
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
300 Granite St Fl 3, Braintree, MA 02184 3909
48 Month IRA Certificate
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA 02169 6714
48 months
$1,000
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Massachusetts 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
5 Years
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
495 Summer St, Boston, MA 02210
60 Month
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
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
60 Month Share Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
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%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.11% above avg
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 Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
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
3.85%
▲ 1.09% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month Certificate
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
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
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
60 Month Fixed
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
With 2,500 Co-op Points
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.00% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 5 Years
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
50 Main St, Millbury, MA 01527
60 Month
$200
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
156 Spring St, West Roxbury, MA 02132
60 months
$0
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.95% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month Traditional/Roth IRA CD
$500
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.85% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
600 Atlantic Ave, Boston, MA 02210
5 year CD
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
60 Month "Bump-up"
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
With 2,500 Co-op Points
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
60 Month Fixed
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
57 Newton St, Greenfield, MA 01301 3113
Term Certificates (CDs) & IRAs - 60 Month
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
320 Needham St, Newton, MA 02464
5 years
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
320 Needham St, Newton, MA 02464
IRA Certificate 5 years
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
246 Main St, Milford, MA 01757
60 Months
$1,000
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
Consumer Certificate of Deposit - 5 years
$500
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month fixed
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month variable
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA 02169
60 Months
$500
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
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%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
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%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
282 Providence Hwy, Westwood, MA 02090
5 years
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
200 Westgate Center Dr, Hadley, MA 01035
60 Month "Bump-up"
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.50%, APY with 2,500 Co-op Points: 3.55%
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
60 Month CD
$500
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
Business 60 Month CD
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
180 Merrimack St, Haverhill, MA 01830
60 month
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
756 Orchard St, Raynham, MA 02767
60 Month Fixed Rate CD
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
60 Month
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
60 months
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business 60 months
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
60 Month CD
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.49% above avg
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
815 Main St, Fitchburg, MA 01420
60-Month CD
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.25%
▲ 0.49% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Certificates & Individual Retirement Accounts - 60 Month
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA 01109
60 Month
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.38% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
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%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
60-month term Standard CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
60-month term Standard IRA CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
60-month term Standard IRA CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA 01752
Standard IRA CDs 60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
60 Month
$1,000
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.28% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
248 Broadway, Methuen, MA 01844
60 Month
$1,000
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.28% above avg
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Massachusetts CD Rate Trends
Compare local Massachusetts CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MA Avg
2.833%
▲ 0.539 vs 7 days ago
Massachusetts 12-month CD rates rose 0.539 points over the past 7 days to 2.833% APY.
6-Month CD MA Avg
2.672%
▲ 0.351 vs 7 days ago
Massachusetts 6-month CD rates rose 0.351 points over the past 7 days to 2.672% APY.
As of Sep 2, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
3.083%
Range: 2.88% – 3.23%
Powered by
MonitorBankRates
What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
1,065
CD Rates
Tracked in Massachusetts
Tracked in Massachusetts
65 Banks
58 Credit Unions
About Our Massachusetts CD Rate Database
MonitorBankRates tracks 1,065 CD rates from 65 banks and 58 credit unions with locations in Massachusetts, plus national online institutions available to Massachusetts residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Middlesex Federal Savings offers a CD at 5.21% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Massachusetts.
How to Find the Best CD Rates in Massachusetts
What to compare when shopping for a CD in Massachusetts
To find the best APYs in Massachusetts, start with credit unions and online-only banks: Massachusetts has 58 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: 123 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Massachusetts savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Massachusetts money market rates
Massachusetts Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$57,232
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$162/yr
At MA 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $162 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, Happen Bank is offering its Consumer Certificate of Deposit - 6 months at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Leader Bank is offering its 5 Years at 4.15% 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:
- Middlesex Federal Savings: 5.21% APY (IRA 18 Month Variable Rate Certificate)
- Happen Bank: 4.40% APY (Consumer Certificate of Deposit - 2 years)
- Plymouth County Teachers Federal Credit Union: 4.33% APY (12-Month Traditional/Roth IRA CD)
- USALLIANCE: 4.25% APY (24 Month Certificate)
- Workers Federal Credit Union: 4.23% APY (12 Months)
- Leader Bank: 4.15% APY (12 Months)
- Walpole Co-operative Bank: 4.10% APY (6 Month Certificate)
- Winchester Co-operative Bank: 4.10% APY (24 Month IRA TDC)
- Align Credit Union: 4.10% APY (1.5 Year CD)
- River Works Credit Union: 4.07% APY (6 Month CD)
Rates reflect recent verified offers available in Massachusetts. Last Updated: September 1, 2026
Massachusetts CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Massachusetts rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Massachusetts
Massachusetts CD Calculator
At today’s MA top rate of 5.21% APY, a $10,000 deposit earns $521 in the first year. Enter your amount to see your exact return.
Massachusetts CD LadderMA CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Massachusetts CD at 5.21% 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 2.833% 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: September 1, 2026
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