What are the best CD rates in Amherst, Massachusetts?

Here are recent top rates found for this area: M&T Bank : 3.85% APY (18-Month M&T Select CD) UMassFive College Federal Credit Union : 3.81% APY (60 Month Fixed) Greenfield Savings Bank : 3.30% APY (24 Month) Florence Bank : 3.00% APY (36 Month CD) Greenfield Co-operative Bank : 2.02% APY (36 Month) TD Bank : 1.00% APY (12 Month - Relationship) PeoplesBank : 0.40% APY (60 Month) 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)

A CD ladder involves opening multiple CDs with staggered maturity dates — for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

MonitorBankRates

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iAdvertiser Disclosure

Amherst, Massachusetts Best CD Rates August 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty — often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Amherst, Massachusetts.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: August 29, 2026

Current Amherst, Massachusetts CD rates include M&T BankM&T Bank25 E Pleasant St, Amherst, MA 01002A5.0 ★Texas Ratio: 11.17%Real return: +1.05%APY minus CPI (February 2026) offering 18-Month M&T Select CD at 3.85% APY, UMassFive College Federal Credit UnionUMassFive College Federal Credit Union1 Campus Center Way, Amherst, MA 01003A5.0 ★Texas Ratio: 6.81%Real return: +1.01%APY minus CPI (February 2026) offering 60 Month Fixed at 3.81% APY, Greenfield Savings BankGreenfield Savings Bank6 University Dr, Amherst, MA 01002A+5.0 ★Texas Ratio: 2.57%Real return: +0.50%APY minus CPI (February 2026) offering 24 Month at 3.30% APY, Florence BankFlorence Bank385 College St, Amherst, MA 01002A+5.0 ★Texas Ratio: 4.08%Real return: +0.20%APY minus CPI (February 2026) offering 36 Month CD at 3.00% APY, and Greenfield Co-operative BankGreenfield Co-operative Bank390 College St, Amherst, MA 01002A+5.0 ★Texas Ratio: 1.89%Real return: -0.78%APY minus CPI (February 2026) offering 36 Month at 2.02% APY. CD rates as of August 29, 2026 according to verified data from MonitorBankRates.

Amherst has 81 local institutions in our database, with CD rates as high as 3.85% APY from M&T Bank at 25 E Pleasant St, Amherst, MA 01002. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 29, 2026

Compare Best CD Rates in Amherst, Massachusetts & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Amherst 3 Month CD Rates

Massachusetts 3 Month CD Average1.86% APYNational 1.96%▼ 0.05% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

90 Days Fixed

1.25% ▼ 0.61% below Massachusetts avg

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 0.61% below avgNationally 1.96%

Details

With 2,500 Co-op Points

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

3 Month

1.00% ▼ 0.86% below Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 0.86% below avgNationally 1.96%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

3 Month TD Choice CD

$250

1.00% ▼ 0.86% below Massachusetts avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 0.86% below avgNationally 1.96%

Details

Relationship APY

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

3 Month CD

$500

1.00% ▼ 0.86% below Massachusetts avg

View

▼

Rate1.00%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 0.86% below avgNationally 1.96%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 3 Month CD

$500

1.00% ▼ 0.86% below Massachusetts avg

View

▼

Rate1.00%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 0.86% below avgNationally 1.96%

Details

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

90 Days Fixed

1.00% ▼ 0.86% below Massachusetts avg

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 0.86% below avgNationally 1.96%

Details

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

3 Month

$500

0.05% ▼ 1.81% below Massachusetts avg

View

▼

Rate0.05%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 1.81% below avgNationally 1.96%

Details

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

3 Month

$1,000

0.05% ▼ 1.81% below Massachusetts avg

View

▼

Rate0.05%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▼ 1.81% below avgNationally 1.96%

Details

River Works Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.46%

3 Month CD

$500

3.90% ▲ 2.04% above Massachusetts avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 2.04% above avgNationally 1.96%

Details

New Bedford Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.21%

3 Month SPECIAL Certificate of Deposit

$2,500

3.85% ▲ 1.99% above Massachusetts avg

View

▼

Rate3.78%

Min Deposit$2,500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.99% above avgNationally 1.96%

Details

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

3 Month Certificate of Deposit

$1,000

3.80% ▲ 1.94% above Massachusetts avg

View

▼

Rate3.73%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.94% above avgNationally 1.96%

Details

Open 3 Month CD Online

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

3 Month IRA Certificate of Deposit

$250

3.80% ▲ 1.94% above Massachusetts avg

View

▼

Rate3.73%

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.94% above avgNationally 1.96%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

3 Months

3.75% ▲ 1.89% above Massachusetts avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.89% above avgNationally 1.96%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 month

$500

3.75% ▲ 1.89% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.89% above avgNationally 1.96%

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%

3 month CD

$500

3.75% ▲ 1.89% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.89% above avgNationally 1.96%

Details

BrightBridge Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Month Premium

$50,000

3.65% ▲ 1.79% above Massachusetts avg

View

▼

Rate3.59%

Min Deposit$50,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.79% above avgNationally 1.96%

Details

Merrimack Valley Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

3 Month Premium Certificate

$50,000

3.65% ▲ 1.79% above Massachusetts avg

View

▼

Rate3.59%

Min Deposit$50,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.79% above avgNationally 1.96%

Details

Wrentham Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Month

3.60% ▲ 1.74% above Massachusetts avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.74% above avgNationally 1.96%

Details

600 Atlantic Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.70%

3 month CD

3.60% ▲ 1.74% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.74% above avgNationally 1.96%

Details

BrightBridge Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Month

$500

3.55% ▲ 1.69% above Massachusetts avg

View

▼

Rate3.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.69% above avgNationally 1.96%

Details

Merrimack Valley Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

3 Month Certificate

$500

3.55% ▲ 1.69% above Massachusetts avg

View

▼

Rate3.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.69% above avgNationally 1.96%

Details

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

3 Months CD

3.50% ▲ 1.64% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.64% above avgNationally 1.96%

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

3 Month

3.50% ▲ 1.64% above Massachusetts avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.64% above avgNationally 1.96%

Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

3 Month Share Certificate

$1,000

3.50% ▲ 1.64% above Massachusetts avg

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.64% above avgNationally 1.96%

Details

Lowell Municipal Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

3 months

$500

3.39% ▲ 1.53% above Massachusetts avg

View

▼

Rate3.35%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.53% above avgNationally 1.96%

Details

MutualOne Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.37%

3 Month CD

$500

3.35% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.30%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.49% above avgNationally 1.96%

Details

Service Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.17%

3 Months

$500

3.25% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.39% above avgNationally 1.96%

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%

3 Months

3.25% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.39% above avgNationally 1.96%

Details

Middlesex Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

3 Month

$500

3.25% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.39% above avgNationally 1.96%

Details

Middlesex Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

Business 3 Month

$500

3.25% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.39% above avgNationally 1.96%

Details

Middlesex Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

Business 3 Month CD

3.25% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.39% above avgNationally 1.96%

Details

Pentucket Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

3 Month

$500

3.25% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.39% above avgNationally 1.96%

Details

Newburyport Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.70%

3 Month CD

$500

3.25% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.39% above avgNationally 1.96%

Details

Bank5 Connect

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

3 Month CD

$500

3.20% ▲ 1.34% above Massachusetts avg

View

▼

Rate3.15%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.34% above avgNationally 1.96%

Details

MASS INSTITUTE OF TECH

Institution Rating:

B+4.7 ★Texas Ratio: 7.09%

3 Months High Yield

$500

3.10% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.05%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.24% above avgNationally 1.96%

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%

3 Months

$1,000

3.00% ▲ 1.14% above Massachusetts avg

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.14% above avgNationally 1.96%

Details

Liberty Bank Middletown, CT

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

3-Month Business CD

3.00% ▲ 1.14% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.14% above avgNationally 1.96%

Details

Liberty Bank Middletown, CT

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

3-Month CD

3.00% ▲ 1.14% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.14% above avgNationally 1.96%

Details

Liberty Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.09%

3 Month

$500

3.00% ▲ 1.14% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 1.14% above avgNationally 1.96%

Details

Morton Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.04%

3 months

2.79% ▲ 0.93% above Massachusetts avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.93% above avgNationally 1.96%

Details

Lee Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.10%

3 MONTH

$500

2.75% ▲ 0.89% above Massachusetts avg

View

▼

Rate2.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.89% above avgNationally 1.96%

Details

Coastal1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.96%

3 month

2.75% ▲ 0.89% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.89% above avgNationally 1.96%

Details

Coastal1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.96%

IRA Certificate Of Deposit - 3 month

$500

2.75% ▲ 0.89% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.89% above avgNationally 1.96%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

3 Months

$500

2.75% ▲ 0.89% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.89% above avgNationally 1.96%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

IRA Certificates 3 Months

$500

2.75% ▲ 0.89% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.89% above avgNationally 1.96%

Details

Canton Co-operative Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.05%

3 Month CD

2.56% ▲ 0.70% above Massachusetts avg

View

▼

Rate2.53%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.70% above avgNationally 1.96%

Details

Marblehead Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.28%

3 Month

2.50% ▲ 0.64% above Massachusetts avg

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.64% above avgNationally 1.96%

Details

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

3 Month Certificate

$500

2.25% ▲ 0.39% above Massachusetts avg

View

▼

Rate2.23%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.39% above avgNationally 1.96%

Details

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

3 Month CD

2.25% ▲ 0.39% above Massachusetts avg

View

▼

Rate2.23%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.39% above avgNationally 1.96%

Details

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

IRA Certificate 3 Month

2.25% ▲ 0.39% above Massachusetts avg

View

▼

Rate2.22%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average1.86%▲ 0.39% above avgNationally 1.96%

Details

Amherst 6 Month CD Rates

Massachusetts 6 Month CD Average2.51% APYNational 2.67%▼ 0.01% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

6 Month Fixed

3.50% ▲ 0.99% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 0.99% above avgNationally 2.67%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

6 Month Fixed

3.24% ▲ 0.73% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 0.73% above avgNationally 2.67%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

6 Month CD

$500

1.50% ▼ 1.01% below Massachusetts avg

View

▼

Rate1.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 1.01% below avgNationally 2.67%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

6 Month IRA CD

$500

1.50% ▼ 1.01% below Massachusetts avg

View

▼

Rate1.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 1.01% below avgNationally 2.67%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 6 Month CD

$500

1.50% ▼ 1.01% below Massachusetts avg

View

▼

Rate1.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 1.01% below avgNationally 2.67%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

6 Month TD Choice CD

$250

1.00% ▼ 1.51% below Massachusetts avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 1.51% below avgNationally 2.67%

Details

Relationship APY

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

6 Month

$1,000

0.35% ▼ 2.16% below Massachusetts avg

View

▼

Rate0.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 2.16% below avgNationally 2.67%

Details

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

6 Month Flex

$1,000

0.35% ▼ 2.16% below Massachusetts avg

View

▼

Rate0.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 2.16% below avgNationally 2.67%

Details

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

6 Month 'No Penalty' (not eligible for IRA)

$500

0.15% ▼ 2.36% below Massachusetts avg

View

▼

Rate0.15%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 2.36% below avgNationally 2.67%

Details

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

6 Month

$1,000

0.05% ▼ 2.46% below Massachusetts avg

View

▼

Rate0.05%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▼ 2.46% below avgNationally 2.67%

Details

Happen Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

Consumer Certificate of Deposit - 6 months

$500

4.20% ▲ 1.69% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.69% above avgNationally 2.67%

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%

6 Months

4.10% ▲ 1.59% above Massachusetts avg

View

▼

Rate4.06%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.59% above avgNationally 2.67%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

6-Month CD

4.10% ▲ 1.59% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.59% above avgNationally 2.67%

Details

Walpole Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.48%

6 Month Certificate

$2,500

4.10% ▲ 1.59% above Massachusetts avg

View

▼

Rate4.03%

Min Deposit$2,500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.59% above avgNationally 2.67%

Details

Walpole Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.48%

Business 6 Month Certificate

4.10% ▲ 1.59% above Massachusetts avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.59% above avgNationally 2.67%

Details

River Works Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.46%

6 Month CD

$500

4.07% ▲ 1.56% above Massachusetts avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.56% above avgNationally 2.67%

Details

Bank5 Connect

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

6 Month CD

$500

4.00% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.49% above avgNationally 2.67%

Details

Service Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.17%

6 Months

$250

4.00% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.49% above avgNationally 2.67%

Details

Reading Co-op Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.28%

6-Month

$500

4.00% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.49% above avgNationally 2.67%

Details

Liberty Bank Middletown, CT

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

6-Month CD

4.00% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.49% above avgNationally 2.67%

Details

First Priority Credit Union Boston, MA

Institution Rating:

A+5.0 ★Texas Ratio: 2.65%

Share/IRA Certificate 6 months

4.00% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.49% above avgNationally 2.67%

Details

First Priority Credit Union Boston, MA

Institution Rating:

A+5.0 ★Texas Ratio: 2.65%

Share/IRA Certificates 6 months

4.00% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.49% above avgNationally 2.67%

Details

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

6 Month Certificate of Deposit

$1,000

3.90% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.39% above avgNationally 2.67%

Details

Open 6 Month CD Online

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

6 Month IRA Certificate of Deposit

$250

3.90% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.83%

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.39% above avgNationally 2.67%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

6 Month TDC

3.90% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.39% above avgNationally 2.67%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

6 Month Term Deposit Certificate

3.90% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.39% above avgNationally 2.67%

Details

(1)

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

Business 6 Month TDC

3.90% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.39% above avgNationally 2.67%

Details

Members Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

6 month CD

$500

3.87% ▲ 1.36% above Massachusetts avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.36% above avgNationally 2.67%

Details

UniBank for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 2.00%

6 Month IRA CD

3.85% ▲ 1.34% above Massachusetts avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.34% above avgNationally 2.67%

Details

Leominster Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

6 Month Term Share Certificate / Term Share IRA

$500

3.85% ▲ 1.34% above Massachusetts avg

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.34% above avgNationally 2.67%

Details

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.28%

6 months

$1,000

3.85% ▲ 1.34% above Massachusetts avg

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.34% above avgNationally 2.67%

Details

Methuen Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.73%

6 Month

$1,000

3.81% ▲ 1.30% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.30% above avgNationally 2.67%

Details

Methuen Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.73%

6 month CD SPECIAL

3.81% ▲ 1.30% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.30% above avgNationally 2.67%

Details

Liberty Bank Middletown, CT

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

6-Month Business CD

3.80% ▲ 1.29% above Massachusetts avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.29% above avgNationally 2.67%

Details

Liberty Bank Middletown, CT

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

6-Month HSA CD

3.80% ▲ 1.29% above Massachusetts avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.29% above avgNationally 2.67%

Details

Selfreliance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.40%

IRA Certificates 6 months

3.79% ▲ 1.28% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.28% above avgNationally 2.67%

Details

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

6 months

3.76% ▲ 1.25% above Massachusetts avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.25% above avgNationally 2.67%

Details

Everett Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.90%

6-Month Insured CD

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

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%

6-Month Special Certificate

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

OneLocal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.65%

6 months

$2,500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$2,500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Compounding: Monthly

OneLocal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.65%

Business 6 months

$2,500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$2,500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Rockland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.27%

6 Month

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

6 Month CD

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

6 Month IRA CD

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

Business 6 Month CD

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

Business 6 Month IRA CD

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

6 Months

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

IRA Certificates 6 Months

$500

3.75% ▲ 1.24% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.24% above avgNationally 2.67%

Details

Chelsea Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.30%

6 Months

3.66% ▲ 1.15% above Massachusetts avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.15% above avgNationally 2.67%

Details

Greater Springfield Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.04%

6 Month

3.66% ▲ 1.15% above Massachusetts avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.51%▲ 1.15% above avgNationally 2.67%

Details

Amherst 12 Month CD Rates

Massachusetts 12 Month CD Average2.38% APYNational 2.83%▼ 0.13% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

12 Month Fixed

3.45% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.07% above avgNationally 2.83%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

12 Month Fixed

3.19% ▲ 0.81% above Massachusetts avg

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 0.81% above avgNationally 2.83%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

12 Month CD

$500

1.50% ▼ 0.88% below Massachusetts avg

View

▼

Rate1.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 0.88% below avgNationally 2.83%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

12 Month IRA CD

$500

1.50% ▼ 0.88% below Massachusetts avg

View

▼

Rate1.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 0.88% below avgNationally 2.83%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 12 Month CD

$500

1.50% ▼ 0.88% below Massachusetts avg

View

▼

Rate1.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 0.88% below avgNationally 2.83%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

12 Month - Relationship

1.00% ▼ 1.38% below Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 1.38% below avgNationally 2.83%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

12 Month TD Choice CD

$250

1.00% ▼ 1.38% below Massachusetts avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 1.38% below avgNationally 2.83%

Details

Relationship APY

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

12 Month

$1,000

0.40% ▼ 1.98% below Massachusetts avg

View

▼

Rate0.40%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 1.98% below avgNationally 2.83%

Details

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

12 Month

$500

0.20% ▼ 2.18% below Massachusetts avg

View

▼

Rate0.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 2.18% below avgNationally 2.83%

Details

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

12 Month

$1,000

0.10% ▼ 2.28% below Massachusetts avg

View

▼

Rate0.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▼ 2.28% below avgNationally 2.83%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

12-Month Traditional/Roth IRA CD

$100,000

4.33% ▲ 1.95% above Massachusetts avg

View

▼

Rate4.25%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.95% above avgNationally 2.83%

Details

Workers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

12 Months

4.23% ▲ 1.85% above Massachusetts avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.85% above avgNationally 2.83%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

12-Month Traditional/Roth IRA CD

$500

4.18% ▲ 1.80% above Massachusetts avg

View

▼

Rate4.10%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.80% above avgNationally 2.83%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

12 Months

4.15% ▲ 1.77% above Massachusetts avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.77% above avgNationally 2.83%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

12-Month CD

4.15% ▲ 1.77% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.77% above avgNationally 2.83%

Details

Up to $250,000

Walpole Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.48%

1 Year Certificate

$1,000

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Walpole Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.48%

Business 1 Year Certificate

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

12 Month IRA TDC

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

12 Month TDC

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

Business 12 Month TDC

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

1 Year CD

$500

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

1 Year IRA CD

$500

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

Business 1 Year CD

$500

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

Business 1 Year IRA CD

$500

4.05% ▲ 1.67% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.67% above avgNationally 2.83%

Details

Bank5 Connect

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

12 Month CD

$500

4.00% ▲ 1.62% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.62% above avgNationally 2.83%

Details

Service Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.17%

12 Months

$500

4.00% ▲ 1.62% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.62% above avgNationally 2.83%

Details

Lynn Firemens Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.92%

1 year CD

4.00% ▲ 1.62% above Massachusetts avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.62% above avgNationally 2.83%

Details

First Priority Credit Union Boston, MA

Institution Rating:

A+5.0 ★Texas Ratio: 2.65%

Share/IRA Certificate 12 months

4.00% ▲ 1.62% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.62% above avgNationally 2.83%

Details

First Priority Credit Union Boston, MA

Institution Rating:

A+5.0 ★Texas Ratio: 2.65%

Share/IRA Certificates 12 months

4.00% ▲ 1.62% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.62% above avgNationally 2.83%

Details

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

12 months

3.87% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.49% above avgNationally 2.83%

Details

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

1 Year Certificate of Deposit

$1,000

3.85% ▲ 1.47% above Massachusetts avg

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.47% above avgNationally 2.83%

Details

Open 1 Year CD Online

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

1 Year IRA Certificate of Deposit

$250

3.85% ▲ 1.47% above Massachusetts avg

View

▼

Rate3.78%

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.47% above avgNationally 2.83%

Details

Avidia Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

12 Month CD

$5,000

3.85% ▲ 1.47% above Massachusetts avg

View

▼

Rate3.85%

Min Deposit$5,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.47% above avgNationally 2.83%

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%

6-12 month CD/IRA Special

$10,000

3.85% ▲ 1.47% above Massachusetts avg

View

▼

Rate3.78%

Min Deposit$10,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.47% above avgNationally 2.83%

Details

BankGloucester

Institution Rating:

B+4.7 ★Texas Ratio: 19.12%

12-Month CD

3.85% ▲ 1.47% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.47% above avgNationally 2.83%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

12 Month Certificate

3.81% ▲ 1.43% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.43% above avgNationally 2.83%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

12 Month IRA Certificate

3.81% ▲ 1.43% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.43% above avgNationally 2.83%

Details

Massachusetts Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.51%

12 Month Term Certificate

3.81% ▲ 1.43% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.43% above avgNationally 2.83%

Details

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

12 Month CD

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

IRA Certificate 12 Month

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Pentucket Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

12 Month

$500

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Online Only

Newburyport Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.70%

12 Month CD

$500

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Selfreliance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.40%

IRA Certificates 12 months

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

12 Month

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

12 Month Share Certificate

$1,000

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Worcester Police Department Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.34%

1 year

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

LIMITED TIME ONLY

Leominster Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

12 Month Term Share Certificate / Term Share IRA

$500

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

Members Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

12 month CD

$500

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

City of Boston Credit Union

Institution Rating:

A-5.0 ★Texas Ratio: 13.18%

12 Months Share Certificate

3.75% ▲ 1.37% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.37% above avgNationally 2.83%

Details

NGB of Marblehead

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

IRA Certificate 1 Year

3.70% ▲ 1.32% above Massachusetts avg

View

▼

Rate3.67%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.38%▲ 1.32% above avgNationally 2.83%

Details

Amherst 18 Month CD Rates

Massachusetts 18 Month CD Average2.43% APYNational 2.67%Unchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

M&T Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.17%

25 E Pleasant St, Amherst, MA 01002

18-Month M&T Select CD

3.85% ▲ 1.42% above Massachusetts avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.42% above avgNationally 2.67%

Details

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

18 Month Fixed

3.55% ▲ 1.12% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.12% above avgNationally 2.67%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

18 Month Fixed

3.29% ▲ 0.86% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 0.86% above avgNationally 2.67%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

18 Month

1.00% ▼ 1.43% below Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 1.43% below avgNationally 2.67%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

18 Month TD Choice CD

$250

1.00% ▼ 1.43% below Massachusetts avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 1.43% below avgNationally 2.67%

Details

Relationship APY

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

18 Month

$1,000

0.45% ▼ 1.98% below Massachusetts avg

View

▼

Rate0.45%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 1.98% below avgNationally 2.67%

Details

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

18 Month

$500

0.25% ▼ 2.18% below Massachusetts avg

View

▼

Rate0.25%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 2.18% below avgNationally 2.67%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

18 Month CD

$500

0.20% ▼ 2.23% below Massachusetts avg

View

▼

Rate0.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 2.23% below avgNationally 2.67%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

18 Month IRA CD

$500

0.20% ▼ 2.23% below Massachusetts avg

View

▼

Rate0.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 2.23% below avgNationally 2.67%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 18 Month CD

$500

0.20% ▼ 2.23% below Massachusetts avg

View

▼

Rate0.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 2.23% below avgNationally 2.67%

Details

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

18 Month

$1,000

0.15% ▼ 2.28% below Massachusetts avg

View

▼

Rate0.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▼ 2.28% below avgNationally 2.67%

Details

Middlesex Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

IRA 18 Month Variable Rate Certificate

$100

5.21% ▲ 2.78% above Massachusetts avg

View

▼

Rate5.09%

Min Deposit$100

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 2.78% above avgNationally 2.67%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

18 Months

4.15% ▲ 1.72% above Massachusetts avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.72% above avgNationally 2.67%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

18-Month CD

4.15% ▲ 1.72% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.72% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

1.5 Year CD

$500

4.10% ▲ 1.67% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.67% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

1.5 Year IRA CD

$500

4.10% ▲ 1.67% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.67% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

Business 1.5 Year CD

$500

4.10% ▲ 1.67% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.67% above avgNationally 2.67%

Details

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.60%

Business 1.5 Year IRA CD

$500

4.10% ▲ 1.67% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.67% above avgNationally 2.67%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

18 Month IRA TDC

4.05% ▲ 1.62% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.62% above avgNationally 2.67%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

18 Month TDC

4.05% ▲ 1.62% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.62% above avgNationally 2.67%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

Business 18 Month TDC

4.05% ▲ 1.62% above Massachusetts avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.62% above avgNationally 2.67%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

18-Month Traditional/Roth IRA CD

$500

4.02% ▲ 1.59% above Massachusetts avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.59% above avgNationally 2.67%

Details

Bank5 Connect

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

18 Month CD

$500

4.00% ▲ 1.57% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.57% above avgNationally 2.67%

Details

Millbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

18 Month

$200

4.00% ▲ 1.57% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$200

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.57% above avgNationally 2.67%

Details

Washington Savings Bank Lowell, MA

Institution Rating:

A+5.0 ★Texas Ratio: 4.14%

18 Month Certificate

3.90% ▲ 1.47% above Massachusetts avg

View

▼

Rate3.77%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.47% above avgNationally 2.67%

Details

Washington Savings Bank Lowell, MA

Institution Rating:

A+5.0 ★Texas Ratio: 4.14%

18 Month Certificate IRA

3.90% ▲ 1.47% above Massachusetts avg

View

▼

Rate3.77%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.47% above avgNationally 2.67%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

18 Month Certificate

3.81% ▲ 1.38% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.38% above avgNationally 2.67%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

18 Month IRA Certificate

3.81% ▲ 1.38% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.38% above avgNationally 2.67%

Details

Milford Federal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

18 Months

$1,000

3.75% ▲ 1.32% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.32% above avgNationally 2.67%

Details

Everett Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.90%

18-Month Special Certificate

$500

3.75% ▲ 1.32% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.32% above avgNationally 2.67%

Details

Members Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

18 month CD

$500

3.75% ▲ 1.32% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.32% above avgNationally 2.67%

Details

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

18 Month Certificate of Deposit

$1,000

3.70% ▲ 1.27% above Massachusetts avg

View

▼

Rate3.63%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.27% above avgNationally 2.67%

Details

Open 18 Month CD Online (Opens in new tab)

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

18 Month IRA Certificate of Deposit

$250

3.70% ▲ 1.27% above Massachusetts avg

View

▼

Rate3.63%

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.27% above avgNationally 2.67%

Details

NGB of Marblehead

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

IRA Certificate 18 Months

3.70% ▲ 1.27% above Massachusetts avg

View

▼

Rate3.67%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.27% above avgNationally 2.67%

Details

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

18 Months CD

3.70% ▲ 1.27% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.27% above avgNationally 2.67%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month

$100,000

3.70% ▲ 1.27% above Massachusetts avg

View

▼

Rate3.58%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.27% above avgNationally 2.67%

Details

Walpole Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.48%

18 Month Certificate

$1,000

3.60% ▲ 1.17% above Massachusetts avg

View

▼

Rate3.54%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.17% above avgNationally 2.67%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

IRA 18 month fixed

3.60% ▲ 1.17% above Massachusetts avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.17% above avgNationally 2.67%

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%

IRA 18 month variable

3.60% ▲ 1.17% above Massachusetts avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.17% above avgNationally 2.67%

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%

18 months

$500

3.60% ▲ 1.17% above Massachusetts avg

View

▼

Rate3.54%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.17% above avgNationally 2.67%

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%

18 months

3.56% ▲ 1.13% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.13% above avgNationally 2.67%

Details

TEWKSBURY

Institution Rating:

A+5.0 ★Texas Ratio: 1.91%

18 Months

$500

3.55% ▲ 1.12% above Massachusetts avg

View

▼

Rate3.49%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.12% above avgNationally 2.67%

Details

Penalty: 120 Days Interest

Cambridge Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.62%

18 Months

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

Details

Dedham Institution for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.25%

18 Month

$1,000

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

Details

Open an Account at Any Location

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

18 Month CD

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

Details

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

IRA Certificate 18 Month

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

18 month

$500

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

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%

18 Month Certificate

$500

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

Details

Happen Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

Consumer Certificate of Deposit - 18 months

$500

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

18 Month

3.50% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.43%▲ 1.07% above avgNationally 2.67%

Details

Minimum to Open $1,000.00

Amherst 24 Month CD Rates

Massachusetts 24 Month CD Average2.27% APYNational 2.71%▼ 0.10% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

24 Month Fixed

3.66% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.39% above avgNationally 2.71%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

24 Month "Bump-up"

3.40% ▲ 1.13% above Massachusetts avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.13% above avgNationally 2.71%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

24 Month Fixed

3.40% ▲ 1.13% above Massachusetts avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.13% above avgNationally 2.71%

Details

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

24 Month

$1,000

3.30% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.03% above avgNationally 2.71%

Details

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

24 Month "Bump-up"

3.14% ▲ 0.87% above Massachusetts avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 0.87% above avgNationally 2.71%

Details

Dividend Rate with 2,500 Co-op Points: 3.35%, APY with 2,500 Co-op Points: 3.40%

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

24 Month CD

$500

2.15% ▼ 0.12% below Massachusetts avg

View

▼

Rate2.13%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▼ 0.12% below avgNationally 2.71%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

24 Month IRA CD

$500

2.15% ▼ 0.12% below Massachusetts avg

View

▼

Rate2.13%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▼ 0.12% below avgNationally 2.71%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 24 Month CD

$500

2.15% ▼ 0.12% below Massachusetts avg

View

▼

Rate2.13%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▼ 0.12% below avgNationally 2.71%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

24 Month

1.00% ▼ 1.27% below Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▼ 1.27% below avgNationally 2.71%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

24 Month TD Choice CD

$250

1.00% ▼ 1.27% below Massachusetts avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▼ 1.27% below avgNationally 2.71%

Details

Relationship APY

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

24 Month

$500

0.30% ▼ 1.97% below Massachusetts avg

View

▼

Rate0.30%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▼ 1.97% below avgNationally 2.71%

Details

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

24 Month

$1,000

0.20% ▼ 2.07% below Massachusetts avg

View

▼

Rate0.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▼ 2.07% below avgNationally 2.71%

Details

Happen Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

Consumer Certificate of Deposit - 2 years

$500

4.40% ▲ 2.13% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 2.13% above avgNationally 2.71%

Details

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 6.66%

24 Month Certificate

4.25% ▲ 1.98% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.98% above avgNationally 2.71%

Details

Special Rate

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

24 Months

4.15% ▲ 1.88% above Massachusetts avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.88% above avgNationally 2.71%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

24-Month CD

4.15% ▲ 1.88% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.88% above avgNationally 2.71%

Details

Up to $250,000

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

24 Month IRA TDC

4.10% ▲ 1.83% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.83% above avgNationally 2.71%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

24 Month TDC

4.10% ▲ 1.83% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.83% above avgNationally 2.71%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

Business 24 Month TDC

4.10% ▲ 1.83% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.83% above avgNationally 2.71%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

24-Month Traditional/Roth IRA CD

$50,000

3.97% ▲ 1.70% above Massachusetts avg

View

▼

Rate3.90%

Min Deposit$50,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.70% above avgNationally 2.71%

Details

Reading Co-op Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.28%

24-Month CD Special

$500

3.92% ▲ 1.65% above Massachusetts avg

View

▼

Rate3.86%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.65% above avgNationally 2.71%

Details

Members Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2 year CD

$500

3.87% ▲ 1.60% above Massachusetts avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.60% above avgNationally 2.71%

Details

Norfolk Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.92%

24 Months Rate

3.85% ▲ 1.58% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.58% above avgNationally 2.71%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

24 Month Certificate

3.81% ▲ 1.54% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.54% above avgNationally 2.71%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

24 Month IRA Certificate

3.81% ▲ 1.54% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.54% above avgNationally 2.71%

Details

Millbury National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.10%

2 Year CD

3.80% ▲ 1.53% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.53% above avgNationally 2.71%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

24-Month Traditional/Roth IRA CD

$500

3.80% ▲ 1.53% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.53% above avgNationally 2.71%

Details

Pentucket Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

24 Month

$500

3.75% ▲ 1.48% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.48% above avgNationally 2.71%

Details

Online Only

Newburyport Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.70%

24 Month CD

$500

3.75% ▲ 1.48% above Massachusetts avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.48% above avgNationally 2.71%

Details

Everett Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.90%

24-Month Special Certificate

3.75% ▲ 1.48% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.48% above avgNationally 2.71%

Details

Stoneham Municipal Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.59%

24 month Certificate

3.75% ▲ 1.48% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.48% above avgNationally 2.71%

Details

Millbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

24 Month

$200

3.75% ▲ 1.48% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$200

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.48% above avgNationally 2.71%

Details

NGB of Marblehead

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

IRA Certificate 2 Years

3.70% ▲ 1.43% above Massachusetts avg

View

▼

Rate3.67%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.43% above avgNationally 2.71%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month

$100,000

3.70% ▲ 1.43% above Massachusetts avg

View

▼

Rate3.58%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.43% above avgNationally 2.71%

Details

Workers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

24-Month CD

$500

3.67% ▲ 1.40% above Massachusetts avg

View

▼

Rate3.61%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.40% above avgNationally 2.71%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

IRA 24 month fixed

3.60% ▲ 1.33% above Massachusetts avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.33% above avgNationally 2.71%

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%

IRA 24 month variable

3.60% ▲ 1.33% above Massachusetts avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.33% above avgNationally 2.71%

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%

2 Year

3.56% ▲ 1.29% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.29% above avgNationally 2.71%

Details

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

24 months

3.56% ▲ 1.29% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.29% above avgNationally 2.71%

Details

Millbury National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.10%

2 Year CD

3.55% ▲ 1.28% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.28% above avgNationally 2.71%

Details

Methuen Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.73%

24 Month

$1,000

3.55% ▲ 1.28% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.28% above avgNationally 2.71%

Details

TEWKSBURY

Institution Rating:

A+5.0 ★Texas Ratio: 1.91%

24 Months

$1,000

3.55% ▲ 1.28% above Massachusetts avg

View

▼

Rate3.49%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.28% above avgNationally 2.71%

Details

Penalty: 120 Days Interest

Dedham Institution for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.25%

24 Month

$1,000

3.51% ▲ 1.24% above Massachusetts avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.24% above avgNationally 2.71%

Details

Open an Account at Any Location

Franklin First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

Term Certificates (CDs) & IRAs - 24 Month

3.51% ▲ 1.24% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.24% above avgNationally 2.71%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

24 month

$500

3.50% ▲ 1.23% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.23% above avgNationally 2.71%

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%

24 Month

3.50% ▲ 1.23% above Massachusetts avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.23% above avgNationally 2.71%

Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

24 Month Share Certificate

$1,000

3.50% ▲ 1.23% above Massachusetts avg

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.23% above avgNationally 2.71%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

24 Months

$500

3.50% ▲ 1.23% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.23% above avgNationally 2.71%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

IRA Certificates 24 Months

$500

3.50% ▲ 1.23% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.23% above avgNationally 2.71%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month

$100,000

3.45% ▲ 1.18% above Massachusetts avg

View

▼

Rate3.35%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.27%▲ 1.18% above avgNationally 2.71%

Details

Amherst 36 Month CD Rates

Massachusetts 36 Month CD Average2.30% APYNational 2.66%▼ 0.18% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

36 Month Fixed

3.71% ▲ 1.41% above Massachusetts avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.41% above avgNationally 2.66%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

36 Month Fixed

3.45% ▲ 1.15% above Massachusetts avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.15% above avgNationally 2.66%

Details

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

36 Month

$1,000

3.30% ▲ 1.00% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.00% above avgNationally 2.66%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

36 Month CD

$500

3.00% ▲ 0.70% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 0.70% above avgNationally 2.66%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

36 Month IRA CD

$500

3.00% ▲ 0.70% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 0.70% above avgNationally 2.66%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 36 Month CD

$500

3.00% ▲ 0.70% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 0.70% above avgNationally 2.66%

Details

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

36 Month

$500

2.02% ▼ 0.28% below Massachusetts avg

View

▼

Rate2.00%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▼ 0.28% below avgNationally 2.66%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

3 Year

1.00% ▼ 1.30% below Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▼ 1.30% below avgNationally 2.66%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

3 Year TD Choice CD

$250

1.00% ▼ 1.30% below Massachusetts avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▼ 1.30% below avgNationally 2.66%

Details

Relationship APY

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

36 Month

$1,000

0.25% ▼ 2.05% below Massachusetts avg

View

▼

Rate0.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▼ 2.05% below avgNationally 2.66%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

3 Years

4.15% ▲ 1.85% above Massachusetts avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.85% above avgNationally 2.66%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

3-Year CD

4.15% ▲ 1.85% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.85% above avgNationally 2.66%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

36 Month IRA TDC

4.10% ▲ 1.80% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.80% above avgNationally 2.66%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

36 Month TDC

4.10% ▲ 1.80% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.80% above avgNationally 2.66%

Details

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

Business 36 Month TDC

4.10% ▲ 1.80% above Massachusetts avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.80% above avgNationally 2.66%

Details

Members Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

3 year CD

$500

3.87% ▲ 1.57% above Massachusetts avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.57% above avgNationally 2.66%

Details

Southcoast Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.57%

3 Year

3.82% ▲ 1.52% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.52% above avgNationally 2.66%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

36 Month Certificate

3.81% ▲ 1.51% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.51% above avgNationally 2.66%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

36 Month IRA Certificate

3.81% ▲ 1.51% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.51% above avgNationally 2.66%

Details

Millbury National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.10%

3 Year CD

3.80% ▲ 1.50% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.50% above avgNationally 2.66%

Details

Stoneham Municipal Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.59%

36 month Certificate

3.80% ▲ 1.50% above Massachusetts avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.50% above avgNationally 2.66%

Details

Stoneham Municipal Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.59%

36 month IRA Certificate

3.80% ▲ 1.50% above Massachusetts avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.50% above avgNationally 2.66%

Details

Everett Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.90%

36-Month Special Certificate

3.75% ▲ 1.45% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.45% above avgNationally 2.66%

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

36 Month

3.75% ▲ 1.45% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.45% above avgNationally 2.66%

Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

36 Month Share Certificate

$1,000

3.75% ▲ 1.45% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.45% above avgNationally 2.66%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

36-Month Traditional/Roth IRA CD

$50,000

3.75% ▲ 1.45% above Massachusetts avg

View

▼

Rate3.65%

Min Deposit$50,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.45% above avgNationally 2.66%

Details

Millbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

36 Month

$200

3.75% ▲ 1.45% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$200

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.45% above avgNationally 2.66%

Details

NGB of Marblehead

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

IRA Certificate 3 Years

3.70% ▲ 1.40% above Massachusetts avg

View

▼

Rate3.67%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.40% above avgNationally 2.66%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

36-Month Traditional/Roth IRA CD

$500

3.56% ▲ 1.26% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.26% above avgNationally 2.66%

Details

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

36 months

3.56% ▲ 1.26% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.26% above avgNationally 2.66%

Details

Millbury National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.10%

3 Year CD

3.55% ▲ 1.25% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.25% above avgNationally 2.66%

Details

Methuen Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.73%

36 Month

$1,000

3.55% ▲ 1.25% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.25% above avgNationally 2.66%

Details

Franklin First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

Term Certificates (CDs) & IRAs - 36 Month

3.51% ▲ 1.21% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.21% above avgNationally 2.66%

Details

Village Bank Auburndale, MA

Institution Rating:

A+5.0 ★Texas Ratio: 1.85%

3 years

3.50% ▲ 1.20% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.20% above avgNationally 2.66%

Details

Village Bank Auburndale, MA

Institution Rating:

A+5.0 ★Texas Ratio: 1.85%

IRA Certificate 3 years

3.50% ▲ 1.20% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.20% above avgNationally 2.66%

Details

Ukrainian Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.03%

3 years

3.50% ▲ 1.20% above Massachusetts avg

View

▼

Rate3.46%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.20% above avgNationally 2.66%

Details

1x Bump Up

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 36 Month

$100,000

3.50% ▲ 1.20% above Massachusetts avg

View

▼

Rate3.39%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.20% above avgNationally 2.66%

Details

Happen Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

Consumer Certificate of Deposit - 3 years

$500

3.45% ▲ 1.15% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.15% above avgNationally 2.66%

Details

St Jeans Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.62%

3 Year IRA

$500

3.45% ▲ 1.15% above Massachusetts avg

View

▼

Rate3.40%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.15% above avgNationally 2.66%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

36 Months

$500

3.45% ▲ 1.15% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.15% above avgNationally 2.66%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

IRA Certificates 36 Months

$500

3.45% ▲ 1.15% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.15% above avgNationally 2.66%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

IRA 36 month fixed

3.35% ▲ 1.05% above Massachusetts avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.05% above avgNationally 2.66%

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%

IRA 36 month variable

3.35% ▲ 1.05% above Massachusetts avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.05% above avgNationally 2.66%

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%

36 Months

$1,000

3.34% ▲ 1.04% above Massachusetts avg

View

▼

Rate3.29%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.04% above avgNationally 2.66%

Details

Penalty: 120 Days Interest

Common Trust Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.79%

36 Months

3.30% ▲ 1.00% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.00% above avgNationally 2.66%

Details

Sharon And Crescent United Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.94%

36 Month Step Up Certificate, Year 1

3.30% ▲ 1.00% above Massachusetts avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.00% above avgNationally 2.66%

Details

Sharon And Crescent United Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.94%

36 Month Step Up Certificate, Year 2

3.30% ▲ 1.00% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.00% above avgNationally 2.66%

Details

Sharon And Crescent United Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.94%

36 Month Step Up Year 1

3.30% ▲ 1.00% above Massachusetts avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.00% above avgNationally 2.66%

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%

36 Month Step Up Year 2

3.30% ▲ 1.00% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 1.00% above avgNationally 2.66%

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%

36 month

$500

3.25% ▲ 0.95% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.30%▲ 0.95% above avgNationally 2.66%

Details

Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Amherst 48 Month CD Rates

Massachusetts 48 Month CD Average2.42% APYNational 2.65%▲ 0.14% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

48 Month Fixed

3.76% ▲ 1.34% above Massachusetts avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.34% above avgNationally 2.65%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

48 Month Fixed

3.50% ▲ 1.08% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.08% above avgNationally 2.65%

Details

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

48 Month

$1,000

3.04% ▲ 0.62% above Massachusetts avg

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.62% above avgNationally 2.65%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

48 Month CD

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

48 Month IRA CD

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 48 Month CD

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

48 Month

$500

0.50% ▼ 1.92% below Massachusetts avg

View

▼

Rate0.50%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▼ 1.92% below avgNationally 2.65%

Details

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

48 Month

$1,000

0.30% ▼ 2.12% below Massachusetts avg

View

▼

Rate0.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▼ 2.12% below avgNationally 2.65%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

4 Years

4.15% ▲ 1.73% above Massachusetts avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.73% above avgNationally 2.65%

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

48 Month

4.00% ▲ 1.58% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.58% above avgNationally 2.65%

Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

48 Month Share Certificate

$1,000

4.00% ▲ 1.58% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.58% above avgNationally 2.65%

Details

Members Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

4 year CD

$500

3.87% ▲ 1.45% above Massachusetts avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.45% above avgNationally 2.65%

Details

Stoneham Municipal Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.59%

48 month Certificate

3.85% ▲ 1.43% above Massachusetts avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.43% above avgNationally 2.65%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

48 Month Certificate

3.81% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.39% above avgNationally 2.65%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

48 Month IRA Certificate

3.81% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.39% above avgNationally 2.65%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

48-Month Traditional/Roth IRA CD

$50,000

3.76% ▲ 1.34% above Massachusetts avg

View

▼

Rate3.70%

Min Deposit$50,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.34% above avgNationally 2.65%

Details

NGB of Marblehead

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

IRA Certificate 4 Years

3.75% ▲ 1.33% above Massachusetts avg

View

▼

Rate3.72%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.33% above avgNationally 2.65%

Details

Millbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

48 Month

$200

3.75% ▲ 1.33% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$200

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.33% above avgNationally 2.65%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

48-Month Traditional/Roth IRA CD

$500

3.61% ▲ 1.19% above Massachusetts avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.19% above avgNationally 2.65%

Details

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

48 months

3.56% ▲ 1.14% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.14% above avgNationally 2.65%

Details

Franklin First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

Term Certificates (CDs) & IRAs - 48 Month

3.51% ▲ 1.09% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.09% above avgNationally 2.65%

Details

Village Bank Auburndale, MA

Institution Rating:

A+5.0 ★Texas Ratio: 1.85%

IRA Certificate 4 years

3.50% ▲ 1.08% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.08% above avgNationally 2.65%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month

$100,000

3.50% ▲ 1.08% above Massachusetts avg

View

▼

Rate3.39%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 1.08% above avgNationally 2.65%

Details

Milford Federal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

48 Months

$1,000

3.35% ▲ 0.93% above Massachusetts avg

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.93% above avgNationally 2.65%

Details

Methuen Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.73%

48 Month

$1,000

3.29% ▲ 0.87% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.87% above avgNationally 2.65%

Details

Bluestone Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.82%

48 Month Fixed Rate CD

3.25% ▲ 0.83% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.83% above avgNationally 2.65%

Details

Pentucket Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

48 Month

$500

3.25% ▲ 0.83% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.83% above avgNationally 2.65%

Details

StonehamBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

48 months

3.25% ▲ 0.83% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.83% above avgNationally 2.65%

Details

StonehamBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Business 48 months

3.25% ▲ 0.83% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.83% above avgNationally 2.65%

Details

Newburyport Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.70%

48 Month CD

$500

3.25% ▲ 0.83% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.83% above avgNationally 2.65%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month

$100,000

3.25% ▲ 0.83% above Massachusetts avg

View

▼

Rate3.15%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.83% above avgNationally 2.65%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Relationship Certificates & Individual Retirement Accounts - 48 Month

$500

3.25% ▲ 0.83% above Massachusetts avg

View

▼

Rate3.15%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.83% above avgNationally 2.65%

Details

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

4 Year Certificate of Deposit

$1,000

3.15% ▲ 0.73% above Massachusetts avg

View

▼

Rate3.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.73% above avgNationally 2.65%

Details

Open 4 Year CD Online

Needham Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

4 Year IRA Certificate of Deposit

$250

3.15% ▲ 0.73% above Massachusetts avg

View

▼

Rate3.10%

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.73% above avgNationally 2.65%

Details

Greater Springfield Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.04%

48 Month

3.14% ▲ 0.72% above Massachusetts avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.72% above avgNationally 2.65%

Details

Lowell Five Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.76%

48 Month CD

$500

3.05% ▲ 0.63% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.63% above avgNationally 2.65%

Details

Lowell Five Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.76%

Business 48 Month CD

3.05% ▲ 0.63% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.63% above avgNationally 2.65%

Details

Massachusetts Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.51%

48 Month Term Certificate

3.05% ▲ 0.63% above Massachusetts avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.63% above avgNationally 2.65%

Details

Greater Springfield Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.04%

48 Months

3.04% ▲ 0.62% above Massachusetts avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.62% above avgNationally 2.65%

Details

Dedham Institution for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.25%

48 Month

$1,000

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Open an Account at Any Location

Bay State Savings Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.34%

48-month

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

48 Month CD

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

IRA Certificate 48 Month

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Reading Co-op Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.28%

4-Year

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

UniBank for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 2.00%

4 Year IRA CD

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.92%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Rockland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.27%

4 Year

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Southbridge Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.28%

48 Month IRA Certificate

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Leominster Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.75%

48 Month Term Share Certificate / Term Share IRA

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Coastal1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.96%

48 month

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Coastal1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.96%

IRA Certificate Of Deposit - 48 month

$500

3.00% ▲ 0.58% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.42%▲ 0.58% above avgNationally 2.65%

Details

Amherst 60 Month CD Rates

Massachusetts 60 Month CD Average2.22% APYNational 2.76%▼ 0.13% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

60 Month Fixed

3.81% ▲ 1.59% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.59% above avgNationally 2.76%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

60 Month "Bump-up"

3.55% ▲ 1.33% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.33% above avgNationally 2.76%

Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

60 Month Fixed

3.55% ▲ 1.33% above Massachusetts avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.33% above avgNationally 2.76%

Details

UMassFive College Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.81%

1 Campus Center Way, Amherst, MA 01003

60 Month "Bump-up"

3.29% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.07% above avgNationally 2.76%

Details

Dividend Rate with 2,500 Co-op Points: 3.50%, APY with 2,500 Co-op Points: 3.55%

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

6 University Dr, Amherst, MA 01002

60 Month

$1,000

3.04% ▲ 0.82% above Massachusetts avg

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 0.82% above avgNationally 2.76%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

60 Month CD

$500

3.00% ▲ 0.78% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 0.78% above avgNationally 2.76%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

60 Month IRA CD

$500

3.00% ▲ 0.78% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 0.78% above avgNationally 2.76%

Details

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.08%

385 College St, Amherst, MA 01002

Business 60 Month CD

$500

3.00% ▲ 0.78% above Massachusetts avg

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 0.78% above avgNationally 2.76%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

5 Year

1.00% ▼ 1.22% below Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▼ 1.22% below avgNationally 2.76%

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

243 Triangle St, Amherst, MA 01002

5 Year TD Choice CD

$250

1.00% ▼ 1.22% below Massachusetts avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▼ 1.22% below avgNationally 2.76%

Details

Relationship APY

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

390 College St, Amherst, MA 01002

60 Month

$500

0.90% ▼ 1.32% below Massachusetts avg

View

▼

Rate0.90%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▼ 1.32% below avgNationally 2.76%

Details

PeoplesBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.48%

56 Amity St, Amherst, MA 01002

60 Month

$1,000

0.40% ▼ 1.82% below Massachusetts avg

View

▼

Rate0.40%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▼ 1.82% below avgNationally 2.76%

Details

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

5 Years

4.15% ▲ 1.93% above Massachusetts avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.93% above avgNationally 2.76%

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

60 Month

4.00% ▲ 1.78% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.78% above avgNationally 2.76%

Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

60 Month Share Certificate

$1,000

4.00% ▲ 1.78% above Massachusetts avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.78% above avgNationally 2.76%

Details

Members Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

5 year CD

$500

3.87% ▲ 1.65% above Massachusetts avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.65% above avgNationally 2.76%

Details

Stoneham Municipal Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.59%

60 month Certificate

3.85% ▲ 1.63% above Massachusetts avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.63% above avgNationally 2.76%

Details

Stoneham Municipal Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.59%

60 month IRA Certificate

3.85% ▲ 1.63% above Massachusetts avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.63% above avgNationally 2.76%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

60 Month Certificate

3.81% ▲ 1.59% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.59% above avgNationally 2.76%

Details

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.67%

60 Month IRA Certificate

3.81% ▲ 1.59% above Massachusetts avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.59% above avgNationally 2.76%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

60-Month Traditional/Roth IRA CD

$50,000

3.76% ▲ 1.54% above Massachusetts avg

View

▼

Rate3.70%

Min Deposit$50,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.54% above avgNationally 2.76%

Details

NGB of Marblehead

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

IRA Certificate 5 Years

3.75% ▲ 1.53% above Massachusetts avg

View

▼

Rate3.72%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.53% above avgNationally 2.76%

Details

Millbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

60 Month

$200

3.75% ▲ 1.53% above Massachusetts avg

View

▼

Rate3.69%

Min Deposit$200

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.53% above avgNationally 2.76%

Details

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 months

3.71% ▲ 1.49% above Massachusetts avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.49% above avgNationally 2.76%

Details

Plymouth County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.09%

60-Month Traditional/Roth IRA CD

$500

3.61% ▲ 1.39% above Massachusetts avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.39% above avgNationally 2.76%

Details

600 Atlantic Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.70%

5 year CD

3.60% ▲ 1.38% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.38% above avgNationally 2.76%

Details

Franklin First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

Term Certificates (CDs) & IRAs - 60 Month

3.51% ▲ 1.29% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.29% above avgNationally 2.76%

Details

Village Bank Auburndale, MA

Institution Rating:

A+5.0 ★Texas Ratio: 1.85%

5 years

3.50% ▲ 1.28% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.28% above avgNationally 2.76%

Details

Village Bank Auburndale, MA

Institution Rating:

A+5.0 ★Texas Ratio: 1.85%

IRA Certificate 5 years

3.50% ▲ 1.28% above Massachusetts avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.28% above avgNationally 2.76%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month

$100,000

3.50% ▲ 1.28% above Massachusetts avg

View

▼

Rate3.39%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.28% above avgNationally 2.76%

Details

Milford Federal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

60 Months

$1,000

3.45% ▲ 1.23% above Massachusetts avg

View

▼

Rate3.40%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.23% above avgNationally 2.76%

Details

Happen Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

Consumer Certificate of Deposit - 5 years

$500

3.40% ▲ 1.18% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.18% above avgNationally 2.76%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

IRA 60 month fixed

3.35% ▲ 1.13% above Massachusetts avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.13% above avgNationally 2.76%

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%

IRA 60 month variable

3.35% ▲ 1.13% above Massachusetts avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.13% above avgNationally 2.76%

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%

60 Months

$500

3.35% ▲ 1.13% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.13% above avgNationally 2.76%

Details

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.58%

IRA Certificates 60 Months

$500

3.35% ▲ 1.13% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.13% above avgNationally 2.76%

Details

Massachusetts Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.51%

60 Month Term Certificate

3.30% ▲ 1.08% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.08% above avgNationally 2.76%

Details

Ukrainian Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.03%

5 years

3.29% ▲ 1.07% above Massachusetts avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.07% above avgNationally 2.76%

Details

Lowell Five Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.76%

60 Month CD

$500

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

Lowell Five Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.76%

Business 60 Month CD

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

Haverhill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

60 month

$500

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

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%

60 Month Fixed Rate CD

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

Pentucket Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

60 Month

$500

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

StonehamBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

60 months

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

StonehamBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Business 60 months

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

Newburyport Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.70%

60 Month CD

$500

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

Workers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

60-Month CD

$500

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month

$100,000

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.15%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

Relationship Certificates & Individual Retirement Accounts - 60 Month

$500

3.25% ▲ 1.03% above Massachusetts avg

View

▼

Rate3.15%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 1.03% above avgNationally 2.76%

Details

Greater Springfield Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.04%

60 Month

3.14% ▲ 0.92% above Massachusetts avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 28, 2026

Massachusetts Average2.22%▲ 0.92% above avgNationally 2.76%

Details

Disclaimer

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.

Top CD Rates from Amherst, Massachusetts Institutions

Highest verified APYs available today — updated August 29, 2026

B Top 5 Bank Rates

M&T Bank

18-Month M&T Select CD

A 5.0 ★ TX: 11.17%

Min: $0

3.85%

Greenfield Savings Bank

24 Month

A+ 5.0 ★ TX: 2.57%

Min: $1,000

3.30%

Florence Bank

36 Month CD

A+ 5.0 ★ TX: 4.08%

Min: $500

3.00%

Greenfield Co-operative Bank

36 Month

A+ 5.0 ★ TX: 1.89%

Min: $500

2.02%

TD Bank

12 Month - Relationship

A 5.0 ★ TX: 6.30%

Min: $0

1.00%

CU Top 5 Credit Union Rates

UMassFive College Federal Credit Union

60 Month Fixed

A 5.0 ★ TX: 6.81%

Min: $0

3.81%

Plymouth County Teachers Federal Credit Union

12-Month Traditional/Roth IRA CD

A 5.0 ★ TX: 10.09%

Min: $100,000

4.33%

Workers Federal Credit Union

12 Months

A 5.0 ★ TX: 8.41%

Min: $0

4.23%

Align Credit Union

1.5 Year CD

A 5.0 ★ TX: 10.60%

Min: $500

4.10%

River Works Credit Union

6 Month CD

A 5.0 ★ TX: 7.46%

Min: $500

4.07%

Rates verified August 29, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Amherst, MA CD Rate Trends

Compare local Amherst, MA 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.

View Full Massachusetts CD Trends

12-Month CD — MA Avg

2.378%

▼ 0.127 vs 7 days ago

Massachusetts 12-month CD rates fell 0.127 points over the past 7 days to 2.378% APY.

6-Month CD — MA Avg

2.512%

▼ 0.013 vs 7 days ago

Massachusetts 6-month CD rates fell 0.013 points over the past 7 days to 2.512% APY.

As of Aug 29, 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 August 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MA 12-Month Avg APY

2.378%

6-Month Forecast

2.378%

Range: 2.18% – 2.53%

12-Month Forecast

2.128%

Range: 1.93% – 2.28%

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	1.856%	$92.77	$185.55	$463.87	$927.75
6-Month CD	2.512%	$125.60	$251.20	$628.00	$1,256.00
12-Month CD	2.378%	$118.91	$237.81	$594.53	$1,189.05
18-Month CD	2.431%	$121.54	$243.09	$607.72	$1,215.45
24-Month CD	2.269%	$113.43	$226.85	$567.13	$1,134.25
36-Month CD	2.297%	$114.85	$229.70	$574.25	$1,148.50
48-Month CD	2.415%	$120.76	$241.51	$603.78	$1,207.55
60-Month CD	2.217%	$110.85	$221.70	$554.25	$1,108.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 29, 2026.

Sample CD Ladder for Amherst, 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.

Build Your Ladder

Rung	Term	Deposit	MA Avg APY	Annual Earnings
1	3-Month CD	$5,000	1.856%	$92.77
2	6-Month CD	$5,000	2.512%	$125.60
3	12-Month CD	$5,000	2.378%	$118.91
4	24-Month CD	$5,000	2.269%	$113.43
5	36-Month CD	$5,000	2.297%	$114.85
Total ($25,000 invested)		$25,000	2.262% blended	$565.56/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.

1,081

CD Rates
Tracked in Amherst, Massachusetts

64 Banks 58 Credit Unions

About Our Amherst, Massachusetts CD Rate Database

MonitorBankRates tracks 1,081 CD rates from 64 banks and 58 credit unions with locations in Amherst, 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: M&T Bank offers a CD at 3.85% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Amherst, Massachusetts.

How to Find the Best CD Rates in Amherst, Massachusetts

What to compare when shopping for a CD in Amherst, Massachusetts

To find the best APYs in Amherst, Massachusetts, start with credit unions and online-only banks — Amherst, 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 Amherst, 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 Amherst, Massachusetts — 122 institutions here report CD rates

Consider an Alternative If…

You may need the funds within 30 days — compare Amherst, 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 Amherst, Massachusetts money market rates

Amherst, Massachusetts Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024

Population 65+

10.1%

National avg: 17.3%

Median Individual Earnings

$8,290

National avg: $47,340

Poverty Rate

23.7%

National avg: 11.1%

Unemployment Rate

7.7%

National avg: 4.8%

CD Earnings on 10% of Salary

$20/yr

At MA 12-mo avg 2.378% APY

10.1% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 7.7% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MA 12-month CD average of 2.378%, saving 10% of the local median salary ($829/year) and putting it in a CD would earn an additional $20 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 Amherst, 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 Amherst, 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 Amherst, 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 Amherst, Massachusetts as everywhere in the U.S.

Choosing a CD Term in Amherst, 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 Amherst, Massachusetts savers easier access to their funds. For example, UMassFive College Federal Credit Union is offering its 6 Month Fixed at 3.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, UMassFive College Federal Credit Union is offering its 60 Month Fixed at 3.81% 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 Amherst, 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 Amherst, 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 Amherst, 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 Amherst, 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 Amherst, Massachusetts

Most CDs carry a fixed rate that is locked for the entire term, protecting a Amherst, 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 Amherst, Massachusetts

Are CD rates in Amherst, Massachusetts FDIC insured?

Yes, most established banks in Amherst, 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 Amherst, 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 Amherst, 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 Amherst, 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 Amherst, Massachusetts?

Here are recent top rates found for this area:

M&T Bank: 3.85% APY (18-Month M&T Select CD)
UMassFive College Federal Credit Union: 3.81% APY (60 Month Fixed)
Greenfield Savings Bank: 3.30% APY (24 Month)
Florence Bank: 3.00% APY (36 Month CD)
Greenfield Co-operative Bank: 2.02% APY (36 Month)
TD Bank: 1.00% APY (12 Month - Relationship)
PeoplesBank: 0.40% APY (60 Month)
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)

Rates reflect recent verified offers available in Amherst, Massachusetts. Last Updated: August 29, 2026

Amherst, 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 Amherst, Massachusetts rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

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.

Top Amherst, Massachusetts CD Rates by Term

Verified August 29, 2026 — click a rate to use its term and APY

Highest verified APY per term available in Amherst, Massachusetts. Averages shown use the Massachusetts state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Amherst, Massachusetts

Amherst, Massachusetts CD Calculator

At today’s MA top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.

Amherst, Massachusetts CD Ladder

MA CD rates currently range from 1.856% (3-month) to 2.297% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Amherst, Massachusetts CD at 3.85% 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 Savings

Massachusetts’s average 12-month CD is 2.378% 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 Amherst, 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 Amherst, 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 Amherst, 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: August 29, 2026

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