Current Berkshire, Massachusetts CD rates include Middlesex Federal SavingsMiddlesex Federal SavingsA+5.0 ★Texas Ratio: 0.50% offering IRA 18 Month Variable Rate Certificate at 4.59% APY, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 21.07% offering 18 Month Certificate at 4.10% APY, MutualOne BankMutualOne BankA+5.0 ★Texas Ratio: 0.37% offering 6 month CD at 4.07% APY, Leader BankLeader BankA+5.0 ★Texas Ratio: 0.18% offering 6-Month CD at 4.05% APY, and Institution for SavingsInstitution for SavingsA+5.0 ★Texas Ratio: 0.11% offering 12-MONTH CD at 4.05% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Berkshire is a smaller community with no bank or credit union branches currently in our database. 340 institutions serving the Massachusetts area are available to Berkshire residents, with CD rates as high as 4.59% APY from Middlesex Federal Savings. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026
1,2
*APY: Annual Percentage Yield
*Annual Percentage Yield
Relationship APY
1
Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81%
LIMITED TIME ONLY
Minimum to open
*Minimum $500 deposit to open. Early withdrawal penalties will be imposed.
Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months).
Dividend Rate with 2,500 Co-op Points: 3.40%; APY with 2,500 Co-op Points: 3.45%
*Minimum $500 deposit to open. Early withdrawal penalties will be imposed.
Relationship APY
**
Relationship APY
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
*Minimum $500 deposit to open. Early withdrawal penalties will be imposed.
Rate Special
$500-$24,999.99
Dividend Rate with 2,500 Co-op Points: 3.40%; APY with 2,500 Co-op Points: 3.45%
Relationship APY
Rate Special
Dividend Rate with 2,500 Co-op Points: 3.30%; APY with 2,500 Co-op Points: 3.35%
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Relationship APY
Dividend Rate with 2,500 Co-op Points: 3.00%; APY with 2,500 Co-op Points: 3.04%
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Dividend Rate with 2,500 Co-op Points: 3.00%; APY with 2,500 Co-op Points: 3.04%
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Relationship APY
Compare local Berkshire, 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.
Massachusetts 12-month CD rates rose 0.958 points over the past 7 days to 3.135% APY.
Massachusetts 6-month CD rates rose 0.167 points over the past 7 days to 2.868% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Berkshire, Massachusetts directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Berkshire, 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.