Boston, Massachusetts Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Boston, Massachusetts CD rates range from 0.01% to 5.05% APY, verified by MonitorBankRates as of October 31, 2026. Current Boston, Massachusetts CD rates include Leader BankLeader Bank48 Northern Ave, Boston, MA 02210A+5.0 ★Texas Ratio: 0.22%Real return: +1.00%APY minus CPIRate verified Oct 31, 2026 offering Certificate of Deposit - 4 Years at 4.70% APY, Hanscom Federal Credit UnionHanscom Federal Credit Union495 Summer St, Boston, MA 02210A+5.0 ★Texas Ratio: 3.62%Real return: +0.80%APY minus CPIRate verified Oct 28, 2026 offering 12 Month IRA Certificate at 4.50% APY, Marcus BankMarcus Bank125 High St, Boston, MA 02110A+5.0 ★Texas Ratio: 4.32%Real return: +0.70%APY minus CPIRate verified Oct 31, 2026 offering 12 Month High-Yield CD at 4.40% APY, Happen BankHappen Bank1 Harbor St, Boston, MA 02210A+5.0 ★Texas Ratio: 2.06%Real return: +0.70%APY minus CPIRate verified Oct 28, 2026 offering 6 Month Consumer Certificate of Deposit at 4.40% APY, and Metro Credit UnionMetro Credit Union922 Commonwealth Ave, Boston, MA 02215 1204A+5.0 ★Texas Ratio: 5.39%Real return: +0.70%APY minus CPIRate verified Oct 29, 2026 offering IRA Certificate - 18 Months at 4.40% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Boston has 271 local institutions in our database, with CD rates as high as 4.70% APY from Leader Bank at 48 Northern Ave, Boston, MA 02210. 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026
Compare Best CD Rates in Boston, Massachusetts & the Surrounding Area
Boston 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 3 Months
$0
4.00%
▲ 1.93% above Massachusetts avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.93% above avgNationally 2.13%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 26, 20264.00%▲ from 3.85%
- Oct 14, 20263.85%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 3 Month
$1,000
4.00%
▲ 1.93% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.93% above avgNationally 2.13%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month Premium Certificate
$50,000
3.65%
▲ 1.58% above Massachusetts avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.58% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month Certificate
$500
3.55%
▲ 1.48% above Massachusetts avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.48% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 3 Months
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
3 Month CD
$2,500
2.20%
▲ 0.13% above Massachusetts avg
▼
Rate2.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 0.13% above avgNationally 2.13%
Details
Rate History
2 changes since Sep 14, 2026 · 2.20% → 2.20% ▼ 0.00 pts · high 3.60% / low 2.20%
- Sep 25, 20262.20%▼ from 3.60%
- Sep 18, 20263.60%▲ from 2.20%
- Sep 14, 20262.20%first recorded
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
63 Franklin St, Boston, MA 02110
Personal Account CDs and IRAs - 3 Month CD
$2,500
2.02%
▼ 0.05% below Massachusetts avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▼ 0.05% below avgNationally 2.13%
Details
Method of Compounding: Simple; Personal accounts only
Rate History
No change since Oct 19, 2026 · 2.02% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
3 Month TD Choice CD
$250
2.00%
▼ 0.07% below Massachusetts avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 0.07% below avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
3 Month TD Choice CD
$250
1.99%
▼ 0.08% below Massachusetts avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 0.08% below avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
3 month CD/IRA
$500
0.20%
▼ 1.87% below Massachusetts avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 1.87% below avgNationally 2.13%
Details
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 13 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
3-month CD/IRA
$500
0.20%
▼ 1.87% below Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 1.87% below avgNationally 2.13%
Details
Minimum deposit to open the CD and obtain the APY is $500
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 13 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
3 Month Share/IRA Certificate
$500
0.15%
▼ 1.92% below Massachusetts avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▼ 1.92% below avgNationally 2.13%
Details
Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 3 months
$500
0.15%
▼ 1.92% below Massachusetts avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▼ 1.92% below avgNationally 2.13%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 0.15% APY · checked 2 times
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 3 Months
$0
0.15%
▼ 1.92% below Massachusetts avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▼ 1.92% below avgNationally 2.13%
Details
Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 4 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
185 Devonshire St, Boston, MA 02110
UNITY 90 Day CD
$0
0.10%
▼ 1.97% below Massachusetts avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.07%▼ 1.97% below avgNationally 2.13%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
185 Devonshire St, Boston, MA 02110
UNITY 90 Day IRA CD
$0
0.10%
▼ 1.97% below Massachusetts avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.07%▼ 1.97% below avgNationally 2.13%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
125 High St, Boston, MA 02110
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.01% below Massachusetts avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.01% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
125 High St, Boston, MA 02110
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.02% below Massachusetts avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.02% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1 Center Plz, Boston, MA 02108
3 Month Regular CD
$0
0.05%
▼ 2.02% below Massachusetts avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.02% below avgNationally 2.13%
Details
Select Account Type: 3 Month CD, 6 Month CD, 12 Month CD, 18 Month CD, 24 Month CD, 30 Month CD, 36 Month CD, 42 Month CD and 60 Month CD; personal accounts only; early withdrawal penalty applies
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 2.04% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.04% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 2.05% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.05% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Private 3 Month CD
$0
0.02%
▼ 2.05% below Massachusetts avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.05% below avgNationally 2.13%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 2.06% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.06% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Personal CD - 3 Month
$0
0.01%
▼ 2.06% below Massachusetts avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▼ 2.06% below avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 4 times
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 Month Certificate of Deposit
$0
4.50%
▲ 2.43% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 2.43% above avgNationally 2.13%
Details
Rates accurate as of August 14, 2024
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
- Oct 26, 20264.50%▲ from 3.90%
- Sep 18, 20263.90%first recorded
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Certificate of Deposit - 3 Months
$0
4.50%
▲ 2.43% above Massachusetts avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 2.43% above avgNationally 2.13%
Details
Rates accurate as of August 14, 2024
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Month CD Share Certificate - Jumbo
$250
4.40%
▲ 2.33% above Massachusetts avg
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.33% above avgNationally 2.13%
Details
Jumbo rates apply for deposits of $100,000 or more; New Money Only
Rate History
No change since Oct 28, 2026 · 4.40% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Month CD Share Certificate
$250
4.35%
▲ 2.28% above Massachusetts avg
▼
Rate4.26%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.28% above avgNationally 2.13%
Details
New Money Only
Rate History
No change since Oct 28, 2026 · 4.35% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Direct Choice - 3 Months
$0
4.35%
▲ 2.28% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.28% above avgNationally 2.13%
Details
4.40% APY on balances $100,000+; New Money Only
Rate History
No change since Oct 28, 2026 · 4.35% APY
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month CD
$500
4.30%
▲ 2.23% above Massachusetts avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 2.23% above avgNationally 2.13%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 4.30% ▲ 1.10 pts · high 4.30% / low 3.20%
- Oct 26, 20264.30%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3 Month High-Yield Certificates of Deposit
$1,000
4.25%
▲ 2.18% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 2.18% above avgNationally 2.13%
Details
Market-Leading Rates; Rates effective as of 9/22/26
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 7 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10%
▲ 2.03% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.03% above avgNationally 2.13%
Details
Rate History
No change since Oct 28, 2026 · 4.10% APY
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month CD
$1,000
4.00%
▲ 1.93% above Massachusetts avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.93% above avgNationally 2.13%
Details
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 31, 20264.00%▲ from 3.75%
- Sep 19, 20263.75%first recorded
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month Certificate of Deposit
$0
3.85%
▲ 1.78% above Massachusetts avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 1.78% above avgNationally 2.13%
Details
SPECIAL
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 4 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate of Deposit
$1,000
3.80%
▲ 1.73% above Massachusetts avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.73% above avgNationally 2.13%
Details
Open Online
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 12 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month IRA Certificate of Deposit
$250
3.80%
▲ 1.73% above Massachusetts avg
▼
Rate3.73%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.73% above avgNationally 2.13%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 11 times
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Certificates of Deposit (CD) - 3 month
$500
3.75%
▲ 1.68% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.07%▲ 1.68% above avgNationally 2.13%
Details
Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
Goldmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
3.61%
▲ 1.54% above Massachusetts avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 1.54% above avgNationally 2.13%
Details
Certificate of Deposit and IRA Certificate of Deposit Accounts; Rates fixed at account opening; early withdrawal penalties may apply
Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 3 times
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$1,000
3.60%
▲ 1.53% above Massachusetts avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.53% above avgNationally 2.13%
Details
Minimum Balance To Earn APY: $1000
Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 3 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate of Deposit
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Certificate of Deposit - 3 Months
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Minimum balance of $1,000 required to obtain disclosed APY
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Month Fixed Rate CD
$0
3.50%
▲ 1.43% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 4 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - 3 Month
$0
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Balance: $1,000 & up; Requires Prime Time Checking account
Rate History
No change since Oct 27, 2026 · 3.50% APY
Westport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Certificates - 3 Months
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Penalty on early withdrawal of certificates applies
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Westport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA Certificates - 3 Months
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Penalty on early withdrawal of certificates applies
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship CD - 3 Month
$100,000
3.50%
▲ 1.43% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 3 Month
$500
3.50%
▲ 1.43% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking; 3 month term is for Certificates only, not IRAs
Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
- Oct 14, 20263.50%▲ from 0.65%
- Sep 14, 20260.65%first recorded
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificate
$500
3.39%
▲ 1.32% above Massachusetts avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.32% above avgNationally 2.13%
Details
Effective Date: March 13, 2026
Rate History
No change since Sep 24, 2026 · 3.39% APY · checked 6 times
MutualOne Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.48%
CD Specials - 3 Month CD
$500
3.35%
▲ 1.28% above Massachusetts avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.28% above avgNationally 2.13%
Details
New money to the Bank required; Interest paid at maturity
Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 4 times
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3-Month CD
$1,000
3.35%
▲ 1.28% above Massachusetts avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.07%▲ 1.28% above avgNationally 2.13%
Details
Rates effective: May 8, 2026
Rate History
2 changes since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.00%
- Oct 27, 20263.35%▲ from 3.00%
- Oct 22, 20263.00%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Boston 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
6 Month Consumer Certificate of Deposit
$500
4.40%
▲ 1.70% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.70% above avgNationally 2.79%
Details
Maximum opening deposit amount of $500,000.00; Fees could reduce earnings; early withdrawal penalty may apply; CD automatically renews at then-offered rate
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 23, 20264.40%▲ from 4.30%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
6-Month CD
$1,000
4.25%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Minimum balance to open and earn APY is $1,000; $250,000 maximum deposit; Rate effective as of 26 October, 2026
Rate History
1 change since Oct 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 26, 20264.25%▲ from 4.20%
- Oct 14, 20264.20%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 6 Months
$0
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 26, 20264.25%▲ from 4.20%
- Oct 14, 20264.20%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Homeowner CD - 6-Month CD
$0
4.00%
▲ 1.30% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Earn additional annualized bonus equal to interest in first six months if you also close on a home mortgage loan with Leader Bank within the six-month term (additional 4.00%); 8.00% effective annualized return
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
6 Month IRA Certificate
$500
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.00% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 6 Month
$1,000
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
6 Month High-Yield CD
$500
3.95%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.25% above avgNationally 2.79%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 5 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
63 Franklin St, Boston, MA 02110
6 Month CD/IRA CD
$2,500
3.90%
▲ 1.20% above Massachusetts avg
▼
Rate3.86%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.20% above avgNationally 2.79%
Details
Method of Compounding: Simple
Rate History
1 change since Sep 30, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
- Oct 3, 20263.90%▲ from 3.85%
- Sep 30, 20263.85%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
6-Month Term CD
$1,000
3.75%
▲ 1.05% above Massachusetts avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.05% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
Term CD - 6-Month
$1,000
3.75%
▲ 1.05% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.05% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
6 Month Premium Certificate
$50,000
3.65%
▲ 0.95% above Massachusetts avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 0.95% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
6 Month Share/IRA Certificate
$500
3.56%
▲ 0.86% above Massachusetts avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 0.86% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 6 months
$500
3.56%
▲ 0.86% above Massachusetts avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 0.86% above avgNationally 2.79%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 3.56% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
6 Month Certificate
$500
3.55%
▲ 0.85% above Massachusetts avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 0.85% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
61 Brookline Ave # 65, Boston, MA 02215
6-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.60% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 0.60% above avgNationally 2.79%
Details
3.30% APY***; Ideal usage: Bridge to a larger financial goal (e.g., car or a home down payment); ATM Access: No; Check Writing: No
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
61 Brookline Ave # 65, Boston, MA 02215
Beacon One 6 Month CD
$1,000
3.30%
▲ 0.60% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 0.60% above avgNationally 2.79%
Details
Balance cannot exceed $1,000,000; must be an owner on a Beacon Bank checking account; no additional deposits before maturity; early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 6 Months
$500
3.25%
▲ 0.55% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 0.55% above avgNationally 2.79%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1196 River St, Boston, MA 02136
6-Month CD
$1,000
2.75%
▲ 0.05% above Massachusetts avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 0.05% above avgNationally 2.79%
Details
Compounded: Daily
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
6 Month CD
$2,500
2.25%
▼ 0.45% below Massachusetts avg
▼
Rate2.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▼ 0.45% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
6 Month TD Choice CD
$250
2.00%
▼ 0.70% below Massachusetts avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 0.70% below avgNationally 2.79%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
6 Month Share Certificate
$500
2.00%
▼ 0.70% below Massachusetts avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▼ 0.70% below avgNationally 2.79%
Details
Rate History
No change since Oct 15, 2026 · 2.00% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
6 Month TD Choice CD
$250
1.99%
▼ 0.71% below Massachusetts avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 0.71% below avgNationally 2.79%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
540 Tremont St, Boston, MA 02116
6 Month Certificate of Deposit
$1,000
1.00%
▼ 1.70% below Massachusetts avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 1.70% below avgNationally 2.79%
Details
APY accurate as of 30th October 2026; Early withdrawal penalties may be imposed
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 6 times
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 6 Months
$0
0.35%
▼ 2.35% below Massachusetts avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▼ 2.35% below avgNationally 2.79%
Details
Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 4 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
6 month CD/IRA
$500
0.25%
▼ 2.45% below Massachusetts avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.45% below avgNationally 2.79%
Details
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 13 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
6 Month CD
$1,000
0.20%
▼ 2.50% below Massachusetts avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.50% below avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
Certificates of Deposit (CD'S) - 6 Month
$0
0.20%
▼ 2.50% below Massachusetts avg
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.50% below avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
125 High St, Boston, MA 02110
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.64% below Massachusetts avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.64% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
6 Month TD No Catch CD
$0
0.05%
▼ 2.65% below Massachusetts avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.65% below avgNationally 2.79%
Details
6 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
125 High St, Boston, MA 02110
6 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.65% below Massachusetts avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.65% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.67% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.67% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 6 Months
$250
0.03%
▼ 2.67% below Massachusetts avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.67% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.68% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.68% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 6 Months
$250
0.02%
▼ 2.68% below Massachusetts avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.68% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Private 6 Month CD
$0
0.02%
▼ 2.68% below Massachusetts avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.68% below avgNationally 2.79%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 2.69% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.69% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 6 Months
$250
0.01%
▼ 2.69% below Massachusetts avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.69% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Personal CD - 6 Month
$0
0.01%
▼ 2.69% below Massachusetts avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▼ 2.69% below avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 4 times
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 Month Certificate of Deposit
$0
4.50%
▲ 1.80% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.80% above avgNationally 2.79%
Details
Rates accurate as of August 14, 2024
Rate History
1 change since Sep 18, 2026 · 4.07% → 4.50% ▲ 0.43 pts · high 4.50% / low 4.07%
- Oct 26, 20264.50%▲ from 4.07%
- Sep 18, 20264.07%first recorded
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Certificate of Deposit - 6 Months
$0
4.50%
▲ 1.80% above Massachusetts avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.80% above avgNationally 2.79%
Details
Rates accurate as of August 14, 2024
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Community Certificate of Deposit Special
$1,000
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Rate History
1 change since Oct 20, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 26, 20264.25%▲ from 3.75%
- Oct 20, 20263.75%first recorded
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month Business CD
$5,000
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Minimum to open $5,000 and minimum required to earn APY $5,000; Rates effective as of October 14, 2026; Business CDs are subject to a penalty for early withdrawal
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6-Month CD
$25,000
4.25%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Rate History
No change since Oct 28, 2026 · 4.25% APY
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
6 Month High-Yield Certificates of Deposit
$1,000
4.25%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Market-Leading Rates; Rates effective as of 9/22/26
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 7 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month CD
$0
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 30, 20264.25%▲ from 4.20%
- Oct 1, 20264.20%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate of Deposit Special
$1,000
4.20%
▲ 1.50% above Massachusetts avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.50% above avgNationally 2.79%
Details
Rate History
1 change since Oct 20, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 26, 20264.20%▲ from 3.70%
- Oct 20, 20263.70%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month Certificate of Deposit
$1,000
4.20%
▲ 1.50% above Massachusetts avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.50% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Month Certificate
$2,500
4.10%
▲ 1.40% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.40% above avgNationally 2.79%
Details
Personal or Business; Interest Rate Tier: N/A
Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 8 times
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA 6 Month Certificate
$2,500
4.10%
▲ 1.40% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.40% above avgNationally 2.79%
Details
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
Canton Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
CDs & IRA CDs - 6 Month
$1,000
4.10%
▲ 1.40% above Massachusetts avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.40% above avgNationally 2.79%
Details
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
Boston 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
12 Month IRA Certificate
$500
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 3.01%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.50% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 12 Month
$1,000
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 3.01%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
12-Month CD
$1,000
4.45%
▲ 1.66% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.66% above avgNationally 3.01%
Details
Minimum balance to open and earn APY is $1,000; $250,000 maximum deposit; Rate effective as of 26 October, 2026
Rate History
1 change since Oct 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 26, 20264.45%▲ from 4.25%
- Oct 14, 20264.25%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 12 Months
$0
4.45%
▲ 1.66% above Massachusetts avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.66% above avgNationally 3.01%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 26, 20264.45%▲ from 4.25%
- Oct 14, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
12 Month High-Yield CD
$500
4.40%
▲ 1.61% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.61% above avgNationally 3.01%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 1, 20264.40%▲ from 3.90%
- Sep 22, 20263.90%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
12 Month TD Choice CD
$250
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 3.01%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
12 Month TD Choice CD
$250
4.14%
▲ 1.35% above Massachusetts avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.35% above avgNationally 3.01%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
IRA Certificate - 12 Months
$500
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 3.01%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 3 times
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1 Center Plz, Boston, MA 02108
12-month CD
$0
4.00%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 3.01%
Details
CD Special; A minimum balance of $10,000 is required to open and obtain the APY; Personal accounts only; Maximum deposit amount is $500,000 for Special CDs; Early withdrawal penalty applies
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 6 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1196 River St, Boston, MA 02136
1-Year CD
$1,000
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 3.01%
Details
Compounded: Daily
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 6 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 12 Months
$500
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 3.01%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
1-Year Term CD
$1,000
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
Term CD - 1-Year
$1,000
4.00%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 3.01%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
1 Year CD
$2,500
3.95%
▲ 1.16% above Massachusetts avg
▼
Rate3.95%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.16% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
- Oct 4, 20263.95%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
540 Tremont St, Boston, MA 02116
1 Year Certificate of Deposit
$1,000
3.90%
▲ 1.11% above Massachusetts avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.11% above avgNationally 3.01%
Details
APY accurate as of 30th October 2026; Early withdrawal penalties may be imposed
Rate History
1 change since Oct 7, 2026 · 1.01% → 3.90% ▲ 2.89 pts · high 3.90% / low 1.01%
- Oct 31, 20263.90%▲ from 1.01%
- Oct 7, 20261.01%first recorded
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 12 Months
$0
3.90%
▲ 1.11% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.11% above avgNationally 3.01%
Details
Also available for IRA's, including ROTH; Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
12 Month Share/IRA Certificate
$500
3.56%
▲ 0.77% above Massachusetts avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 0.77% above avgNationally 3.01%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 12 months
$500
3.56%
▲ 0.77% above Massachusetts avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 0.77% above avgNationally 3.01%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 3.56% APY · checked 2 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
1 Year Consumer Certificate of Deposit
$500
3.50%
▲ 0.71% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 0.71% above avgNationally 3.01%
Details
Maximum opening deposit amount of $500,000.00; Fees could reduce earnings; early withdrawal penalty may apply; CD automatically renews at then-offered rate
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
12 Month Premium Certificate
$50,000
3.45%
▲ 0.66% above Massachusetts avg
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 0.66% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
12 Month Certificate
$500
3.35%
▲ 0.56% above Massachusetts avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 0.56% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
28 State St, Boston, MA 02109
1 Year Online CD
$0
3.25%
▲ 0.46% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 0.46% above avgNationally 3.01%
Details
Interest rate 3.20%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 11 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
12 Month Share Certificate
$500
2.25%
▼ 0.54% below Massachusetts avg
▼
Rate2.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▼ 0.54% below avgNationally 3.01%
Details
Rate History
No change since Oct 15, 2026 · 2.25% APY · checked 3 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
IRA 12 Month Share Certificate
$500
2.25%
▼ 0.54% below Massachusetts avg
▼
Rate2.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▼ 0.54% below avgNationally 3.01%
Details
Rate History
No change since Oct 23, 2026 · 2.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
12 Month Certificate of Deposit
$500
2.00%
▼ 0.79% below Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 0.79% below avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 9 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
125 High St, Boston, MA 02110
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.28% below Massachusetts avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 1.28% below avgNationally 3.01%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
125 High St, Boston, MA 02110
1 Year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.29% below Massachusetts avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 1.29% below avgNationally 3.01%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 5 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
1 Year CD
$1,000
0.30%
▼ 2.49% below Massachusetts avg
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.49% below avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 0.30% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
Certificates of Deposit (CD'S) - 1 Year
$0
0.30%
▼ 2.49% below Massachusetts avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.49% below avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 0.30% APY · checked 5 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
12 month CD/IRA
$500
0.30%
▼ 2.49% below Massachusetts avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.49% below avgNationally 3.01%
Details
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 13 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
1-Year RampUp Plus CD
$25,000
0.25%
▼ 2.54% below Massachusetts avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▼ 2.54% below avgNationally 3.01%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
12 Month TD IRA Add-Vantage CD
$0
0.05%
▼ 2.74% below Massachusetts avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.74% below avgNationally 3.01%
Details
12 Month TD IRA Add-Vantage CD; IRA certificate
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 9 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
12 Month TD No Catch CD
$0
0.05%
▼ 2.74% below Massachusetts avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.74% below avgNationally 3.01%
Details
12 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 12 Months
$1,000
0.03%
▼ 2.76% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.76% below avgNationally 3.01%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 12 Months
$250
0.03%
▼ 2.76% below Massachusetts avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.76% below avgNationally 3.01%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 12 Months
$1,000
0.02%
▼ 2.77% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.77% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 12 Months
$250
0.02%
▼ 2.77% below Massachusetts avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.77% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Private 12 Month CD
$0
0.02%
▼ 2.77% below Massachusetts avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.77% below avgNationally 3.01%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 12 Months
$1,000
0.01%
▼ 2.78% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.78% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 12 Months
$250
0.01%
▼ 2.78% below Massachusetts avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.78% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Personal CD - 12 Month
$0
0.01%
▼ 2.78% below Massachusetts avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▼ 2.78% below avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 4 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$100,000
4.59%
▲ 1.80% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.80% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Sep 29, 20264.59%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$100,000
4.59%
▲ 1.80% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.80% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 3 times
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
Premium 12 Month CD
$500
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 3.01%
Details
Must Open In-Branch
Rate History
No change since Oct 20, 2026 · 4.50% APY · checked 4 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$500
4.44%
▲ 1.65% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.65% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Sep 29, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$500
4.44%
▲ 1.65% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.65% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 3 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
4.40%
▲ 1.61% above Massachusetts avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.61% above avgNationally 3.01%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.85% → 4.40% ▲ 0.55 pts · high 4.40% / low 3.85%
- Oct 30, 20264.40%▲ from 4.10%
- Oct 1, 20264.10%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12-Month CD
$25,000
4.35%
▲ 1.56% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.56% above avgNationally 3.01%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificate Tier 1 - 12 Month
$1,000
4.35%
▲ 1.56% above Massachusetts avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.56% above avgNationally 3.01%
Details
Tier 1; Minimum Deposit (1,000); Tier level determined by opening deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificate Tier 2 - 12 Month
$25,000
4.35%
▲ 1.56% above Massachusetts avg
▼
Rate4.35%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.56% above avgNationally 3.01%
Details
Tier 2; Minimum Deposit (25,000); Tier level determined by opening deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Boston 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
18-Month CD
$0
4.60%
▲ 1.73% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
Exclusive High-Yield CD Offer; Up to $250,000; Rate effective as of 26 October, 2026
Rate History
No change since Oct 26, 2026 · 4.60% APY · checked 2 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 18 Months
$0
4.60%
▲ 1.73% above Massachusetts avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.60% ▲ 0.25 pts · high 4.60% / low 4.35%
- Oct 26, 20264.60%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
18 Month High-Yield CD
$500
4.40%
▲ 1.53% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
IRA Certificate - 18 Months
$500
4.40%
▲ 1.53% above Massachusetts avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 3 times
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1 Center Plz, Boston, MA 02108
18-Month CD
$0
4.36%
▲ 1.49% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.49% above avgNationally 2.91%
Details
CD Special; A minimum balance of $10,000 is required to open and obtain the APY; Personal accounts only; Maximum deposit amount is $500,000 for Special CDs; Early withdrawal penalty applies
Rate History
No change since Oct 7, 2026 · 4.36% APY · checked 6 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 18 Months
$500
4.30%
▲ 1.43% above Massachusetts avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.43% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 3 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
63 Franklin St, Boston, MA 02110
18 Month CD/IRA CD
$2,500
4.30%
▲ 1.43% above Massachusetts avg
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.43% above avgNationally 2.91%
Details
Method of Compounding: Monthly
Rate History
1 change since Sep 30, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 30, 20264.10%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
18 Month TD Choice CD
$250
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
18 Month IRA Certificate
$500
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.25% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
18 Month TD Choice CD
$250
4.24%
▲ 1.37% above Massachusetts avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.37% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1196 River St, Boston, MA 02136
Select 18-Month CD
$1,000
4.15%
▲ 1.28% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.28% above avgNationally 2.91%
Details
Compounded: Daily
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 6 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
75 Federal St # 101, Boston, MA 02110
18-Month CD
$500
4.00%
▲ 1.13% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.13% above avgNationally 2.91%
Details
Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 8 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Private 18 Month CD
$0
4.00%
▲ 1.13% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.13% above avgNationally 2.91%
Details
Limited time offer; Balance: $500+; Open to existing or new Private Checking account holders
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 2, 20264.00%▲ from 0.02%
- Sep 9, 20260.02%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
50 Milk St, Boston, MA 02109
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 0.98% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 0.98% above avgNationally 2.91%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Rates may vary by ZIP code
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 7 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
50 Milk St, Boston, MA 02109
18-Month M&T Select CD
$1,000
3.85%
▲ 0.98% above Massachusetts avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 0.98% above avgNationally 2.91%
Details
Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 11 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
18-Month CD
$500
3.75%
▲ 0.88% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 0.88% above avgNationally 2.91%
Details
Limited Time CD Offers; Open with as little as $500; Enjoy the security of a locked in rate; Earn guaranteed returns; Promotional APY subject to terms
Rate History
1 change since Sep 24, 2026 · 0.01% → 3.75% ▲ 3.74 pts · high 3.75% / low 0.01%
- Oct 2, 20263.75%▲ from 0.01%
- Sep 24, 20260.01%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Personal CD - 18 Month
$0
3.75%
▲ 0.88% above Massachusetts avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 0.88% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
18 Month Consumer Certificate of Deposit
$500
3.50%
▲ 0.63% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 0.63% above avgNationally 2.91%
Details
Maximum opening deposit amount of $500,000.00; Fees could reduce earnings; early withdrawal penalty may apply; CD automatically renews at then-offered rate
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
18 Month Premium Certificate
$50,000
3.35%
▲ 0.48% above Massachusetts avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 0.48% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
18 Month Share/IRA Certificate
$500
3.30%
▲ 0.43% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 0.43% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 18 months
$500
3.30%
▲ 0.43% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 0.43% above avgNationally 2.91%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 3.30% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
18 Month Certificate
$500
3.25%
▲ 0.38% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 0.38% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
18-Month Term CD
$1,000
2.75%
▼ 0.12% below Massachusetts avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▼ 0.12% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
Term CD - 18-Month
$1,000
2.75%
▼ 0.12% below Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▼ 0.12% below avgNationally 2.91%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
18 Month Share Certificate
$500
2.31%
▼ 0.56% below Massachusetts avg
▼
Rate2.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▼ 0.56% below avgNationally 2.91%
Details
Rate History
No change since Oct 15, 2026 · 2.31% APY · checked 3 times
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
540 Tremont St, Boston, MA 02116
18 Month Certificate of Deposit
$1,000
1.75%
▼ 1.12% below Massachusetts avg
▼
Rate1.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 1.12% below avgNationally 2.91%
Details
APY accurate as of 30th October 2026; Early withdrawal penalties may be imposed
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 6 times
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 18 Months
$0
0.55%
▼ 2.32% below Massachusetts avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▼ 2.32% below avgNationally 2.91%
Details
Also available for IRA's, including ROTH; Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.55% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
18 Month CD
$1,000
0.40%
▼ 2.47% below Massachusetts avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.47% below avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 0.40% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
Certificates of Deposit (CD'S) - 18 Month
$0
0.40%
▼ 2.47% below Massachusetts avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.47% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 2.84% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.84% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 18 Months
$250
0.03%
▼ 2.84% below Massachusetts avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.84% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 2.85% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.85% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 18 Months
$250
0.02%
▼ 2.85% below Massachusetts avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.85% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
18 Month Certificate of Deposit
$500
0.02%
▼ 2.85% below Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.85% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 2.86% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.86% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 18 Months
$250
0.01%
▼ 2.86% below Massachusetts avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▼ 2.86% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Usalliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Certificate
$0
5.05%
▲ 2.18% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 2.18% above avgNationally 2.91%
Details
Special Rate
Rate History
No change since Oct 30, 2026 · 5.05% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 Month CD Share Certificate - Jumbo
$250
4.65%
▲ 1.78% above Massachusetts avg
▼
Rate4.55%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.78% above avgNationally 2.91%
Details
Jumbo rates apply for deposits of $100,000 or more; New Money Only
Rate History
No change since Oct 28, 2026 · 4.65% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 Month CD Share Certificate
$250
4.60%
▲ 1.73% above Massachusetts avg
▼
Rate4.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
New Money Only
Rate History
No change since Oct 28, 2026 · 4.60% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Direct Choice - 18 Months
$0
4.60%
▲ 1.73% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
4.65% APY on balances $100,000+; New Money Only
Rate History
No change since Oct 28, 2026 · 4.60% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1.5 Year CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 19, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1.5 Year IRA CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
SEP (Simplified Employee Pension) IRA Certificate
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 19, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Business 1.5 Year CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 26, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
SEP IRA 1.5 Year IRA CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
SEP (Simplified Employee Pension) IRA Certificates; Dividend Rate 4.40%; APY 4.50%; Minimum to Earn APY $500
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD
$500
4.49%
▲ 1.62% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.62% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Sep 29, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 18-Month
$500
4.49%
▲ 1.62% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.62% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Relationship Jumbo Certificate & IRA
$100,000
4.40%
▲ 1.53% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Relationship Jumbo Certificate & IRA
Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship CD - 18 Month
$100,000
4.40%
▲ 1.53% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table
Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
4.40%
▲ 1.53% above Massachusetts avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
- Oct 30, 20264.40%▲ from 4.00%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Boston 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
24-Month CD
$0
4.65%
▲ 2.00% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 2.00% above avgNationally 2.91%
Details
Exclusive High-Yield CD Offer; Rate effective as of 26 October, 2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.65% ▲ 0.50 pts · high 4.65% / low 4.15%
- Oct 26, 20264.65%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 24 Months
$0
4.65%
▲ 2.00% above Massachusetts avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 2.00% above avgNationally 2.91%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 26, 20264.65%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
2 Year High-Yield CD
$500
4.40%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
24 Month TD Choice CD
$250
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
24 Month TD Choice CD
$250
4.29%
▲ 1.64% above Massachusetts avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.64% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 24 Month
$1,000
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
2 Year CD
$2,500
3.85%
▲ 1.20% above Massachusetts avg
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
IRA Certificate - 24 Months
$500
3.60%
▲ 0.95% above Massachusetts avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 0.95% above avgNationally 2.91%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 3 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 24 Months
$500
3.50%
▲ 0.85% above Massachusetts avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
61 Brookline Ave # 65, Boston, MA 02215
24-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.65% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 0.65% above avgNationally 2.91%
Details
3.30% APY****; Ideal usage: Medium to long-term goals where you don't need money right away (e.g., planning a major purchase or building wealth safely); ATM Access: No; Check Writing: No
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
61 Brookline Ave # 65, Boston, MA 02215
Beacon One 24 Month CD
$1,000
3.30%
▲ 0.65% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 0.65% above avgNationally 2.91%
Details
Balance cannot exceed $1,000,000; must be an owner on a Beacon Bank checking account; no additional deposits before maturity; early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
28 State St, Boston, MA 02109
2 Year Online CD
$0
3.00%
▲ 0.35% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 0.35% above avgNationally 2.91%
Details
Interest rate 2.96%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 11 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
24 Month Share/IRA Certificate (New Money Special)
$500
3.00%
▲ 0.35% above Massachusetts avg
▼
Rate2.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 0.35% above avgNationally 2.91%
Details
New Money Special; *SPECIAL* Rate effective as of September 24, 2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 24 months (New Money Special)
$500
3.00%
▲ 0.35% above Massachusetts avg
▼
Rate2.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 0.35% above avgNationally 2.91%
Details
New Money Special; Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 3.00% APY · checked 2 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
24 Month Share/IRA Certificate
$500
2.79%
▲ 0.14% above Massachusetts avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 0.14% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 24 months
$500
2.79%
▲ 0.14% above Massachusetts avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 0.14% above avgNationally 2.91%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 2.79% APY · checked 2 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
24 Month Share Certificate
$500
2.36%
▼ 0.29% below Massachusetts avg
▼
Rate2.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.65%▼ 0.29% below avgNationally 2.91%
Details
Rate History
No change since Oct 15, 2026 · 2.36% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
24 Month Premium Certificate
$50,000
2.10%
▼ 0.55% below Massachusetts avg
▼
Rate2.08%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▼ 0.55% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 3 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1196 River St, Boston, MA 02136
2-Year CD
$1,000
2.00%
▼ 0.65% below Massachusetts avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 0.65% below avgNationally 2.91%
Details
Compounded: Daily
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 11 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
24 Month Certificate
$500
2.00%
▼ 0.65% below Massachusetts avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▼ 0.65% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
540 Tremont St, Boston, MA 02116
2 Year Certificate of Deposit
$1,000
1.75%
▼ 0.90% below Massachusetts avg
▼
Rate1.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 0.90% below avgNationally 2.91%
Details
APY accurate as of 30th October 2026; Early withdrawal penalties may be imposed
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 6 times
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 24 Months
$0
0.65%
▼ 2.00% below Massachusetts avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▼ 2.00% below avgNationally 2.91%
Details
Also available for IRA's, including ROTH; Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
2 Year CD
$1,000
0.50%
▼ 2.15% below Massachusetts avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.15% below avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
Certificates of Deposit (CD'S) - 2 Year
$0
0.50%
▼ 2.15% below Massachusetts avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.15% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
2-Year Jumbo CD
$100,000
0.40%
▼ 2.25% below Massachusetts avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▼ 2.25% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
2-Year Term CD
$1,000
0.40%
▼ 2.25% below Massachusetts avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▼ 2.25% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
Term CD - 2-Year
$1,000
0.40%
▼ 2.25% below Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▼ 2.25% below avgNationally 2.91%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
2 Year Step-Up CD/IRA
$500
0.35%
▼ 2.30% below Massachusetts avg
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.30% below avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 13 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
185 Devonshire St, Boston, MA 02110
UNITY 2 Year CD
$0
0.30%
▼ 2.35% below Massachusetts avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▼ 2.35% below avgNationally 2.91%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
185 Devonshire St, Boston, MA 02110
UNITY 2 Year IRA CD
$0
0.30%
▼ 2.35% below Massachusetts avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▼ 2.35% below avgNationally 2.91%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.40% below Massachusetts avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▼ 2.40% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
2 Year Certificate of Deposit
$500
0.05%
▼ 2.60% below Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.60% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 2.62% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.62% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 24 Months
$250
0.03%
▼ 2.62% below Massachusetts avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.62% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 2.63% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.63% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 24 Months
$250
0.02%
▼ 2.63% below Massachusetts avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.63% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Private 2 Year CD
$0
0.02%
▼ 2.63% below Massachusetts avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.63% below avgNationally 2.91%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 2.64% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.64% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 24 Months
$250
0.01%
▼ 2.64% below Massachusetts avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.64% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
100 Franklin St, Boston, MA 02110
Personal CD - 2 Year
$0
0.01%
▼ 2.64% below Massachusetts avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▼ 2.64% below avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 4 times
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Business Certificates of Deposit - 24 Months
$250
4.50%
▲ 1.85% above Massachusetts avg
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.85% above avgNationally 2.91%
Details
SPECIAL OFFER; Rates effective as of October 28, 2026
Rate History
2 changes since Sep 18, 2026 · 3.65% → 4.50% ▲ 0.85 pts · high 4.50% / low 3.65%
- Oct 30, 20264.50%▲ from 4.25%
- Oct 13, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Certificate of Deposit - 24 Months
$250
4.50%
▲ 1.85% above Massachusetts avg
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.85% above avgNationally 2.91%
Details
SPECIAL OFFER; One-time bump-up option available; Rates effective as of October 28, 2026; early withdrawal penalty may apply
Rate History
1 change since Oct 13, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 30, 20264.50%▲ from 4.25%
- Oct 13, 20264.25%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.40% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month CD
$0
4.40%
▲ 1.75% above Massachusetts avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.65% → 4.40% ▲ 0.75 pts · high 4.40% / low 3.65%
- Oct 30, 20264.40%▲ from 3.90%
- Oct 1, 20263.90%▲ from 3.65%
- Sep 24, 20263.65%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Month IRA TDC
$1
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Traditional/Roth IRA Term Deposit Certificate; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business Term Deposit Certificates (TDC) - 24 Month TDC
$500
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Penalty may be applied on funds withdrawn prior to maturity; APY effective 10/01/2026 and subject to change
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Simplified Employee Pension (SEP) IRA - 24 Month IRA TDC
$1
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Deposit Certificates (TDC) - 24 Month TDC
$500
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Minimum daily balance to obtain APY $10.00; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$50,000
4.28%
▲ 1.63% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.63% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Sep 29, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 24-Month
$50,000
4.28%
▲ 1.63% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.63% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
Boston 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 3 Years
$0
4.65%
▲ 2.13% above Massachusetts avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 2.13% above avgNationally 2.82%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 26, 20264.65%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
3 Year High-Yield CD
$500
4.40%
▲ 1.88% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.88% above avgNationally 2.82%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 36 Month
$1,000
4.25%
▲ 1.73% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.52%▲ 1.73% above avgNationally 2.82%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
3 Year CD
$2,500
3.75%
▲ 1.23% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.52%▲ 1.23% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
3 Year Consumer Certificate of Deposit
$500
3.45%
▲ 0.93% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.52%▲ 0.93% above avgNationally 2.82%
Details
Maximum opening deposit amount of $500,000.00; Fees could reduce earnings; early withdrawal penalty may apply; CD automatically renews at then-offered rate
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
IRA Certificate - 36 Months
$500
3.35%
▲ 0.83% above Massachusetts avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 0.83% above avgNationally 2.82%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 3 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 36 Months
$500
3.25%
▲ 0.73% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 0.73% above avgNationally 2.82%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
28 State St, Boston, MA 02109
3 Year Online CD
$0
2.75%
▲ 0.23% above Massachusetts avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 0.23% above avgNationally 2.82%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
36 Month Share Certificate
$500
2.41%
▼ 0.11% below Massachusetts avg
▼
Rate2.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.52%▼ 0.11% below avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 2.41% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
3 Year TD Choice CD
$250
2.00%
▼ 0.52% below Massachusetts avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 0.52% below avgNationally 2.82%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
3 Year TD Choice CD
$250
1.99%
▼ 0.53% below Massachusetts avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 0.53% below avgNationally 2.82%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
540 Tremont St, Boston, MA 02116
3 Year Certificate of Deposit
$1,000
1.70%
▼ 0.82% below Massachusetts avg
▼
Rate1.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 0.82% below avgNationally 2.82%
Details
APY accurate as of 30th October 2026; Early withdrawal penalties may be imposed
Rate History
No change since Oct 7, 2026 · 1.70% APY · checked 6 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
36 Month Share/IRA Certificate
$500
1.50%
▼ 1.02% below Massachusetts avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▼ 1.02% below avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 1.50% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 36 months
$500
1.50%
▼ 1.02% below Massachusetts avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▼ 1.02% below avgNationally 2.82%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 1.50% APY · checked 2 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
3 Year Double Play CD/IRA
$500
1.25%
▼ 1.27% below Massachusetts avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 1.27% below avgNationally 2.82%
Details
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 13 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
36 Month Premium Certificate
$50,000
1.15%
▼ 1.37% below Massachusetts avg
▼
Rate1.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▼ 1.37% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
36 Month Certificate
$500
1.05%
▼ 1.47% below Massachusetts avg
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▼ 1.47% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 3 times
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 36 Months
$0
0.85%
▼ 1.67% below Massachusetts avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▼ 1.67% below avgNationally 2.82%
Details
Also available for IRA's, including ROTH; Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.85% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
3 Year CD
$1,000
0.50%
▼ 2.02% below Massachusetts avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.02% below avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
Certificates of Deposit (CD'S) - 3 Year
$0
0.50%
▼ 2.02% below Massachusetts avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.02% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
3-Year Jumbo CD
$100,000
0.40%
▼ 2.12% below Massachusetts avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▼ 2.12% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
3-Year Term CD
$1,000
0.40%
▼ 2.12% below Massachusetts avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▼ 2.12% below avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
Term CD - 3-Year
$1,000
0.40%
▼ 2.12% below Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▼ 2.12% below avgNationally 2.82%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
185 Devonshire St, Boston, MA 02110
UNITY 3 Year CD
$0
0.30%
▼ 2.22% below Massachusetts avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▼ 2.22% below avgNationally 2.82%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
185 Devonshire St, Boston, MA 02110
UNITY 3 Year IRA CD
$0
0.30%
▼ 2.22% below Massachusetts avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▼ 2.22% below avgNationally 2.82%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
3-Year RampUp CD
$25,000
0.25%
▼ 2.27% below Massachusetts avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▼ 2.27% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
3 Year Certificate of Deposit
$500
0.05%
▼ 2.47% below Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.47% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.49% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.49% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 36 Months
$250
0.03%
▼ 2.49% below Massachusetts avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.49% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.50% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.50% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 36 Months
$250
0.02%
▼ 2.50% below Massachusetts avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.50% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 2.51% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.51% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 36 Months
$250
0.01%
▼ 2.51% below Massachusetts avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▼ 2.51% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
36 Month Certificate of Deposit
$1,000
4.50%
▲ 1.98% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.98% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Term Share Certificates - 36 Months
$500
4.35%
▲ 1.83% above Massachusetts avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.83% above avgNationally 2.82%
Details
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings
Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$50,000
4.33%
▲ 1.81% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.81% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Sep 29, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$50,000
4.33%
▲ 1.81% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.81% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 3 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 Month IRA TDC
$1
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Traditional/Roth IRA Term Deposit Certificate; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business Term Deposit Certificates (TDC) - 36 Month TDC
$500
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Penalty may be applied on funds withdrawn prior to maturity; APY effective 10/01/2026 and subject to change
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Simplified Employee Pension (SEP) IRA - 36 Month IRA TDC
$1
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Deposit Certificates (TDC) - 36 Month TDC
$500
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Minimum daily balance to obtain APY $10.00; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 36 Month
$1,000
4.28%
▲ 1.76% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.76% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 36 Month
$1,000
4.28%
▲ 1.76% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.76% above avgNationally 2.82%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.28% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 36 Month
$50,000
4.28%
▲ 1.76% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.76% above avgNationally 2.82%
Details
Jumbo; $50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 23, 20264.28%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month Certificate
$0
4.23%
▲ 1.71% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.71% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month IRA Certificate
$0
4.23%
▲ 1.71% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.71% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Months Term Share Certificate - Jumbo
$0
4.20%
▲ 1.68% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▲ 1.68% above avgNationally 2.82%
Details
Jumbo CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.20% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.66% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.66% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
- Sep 29, 20264.18%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$500
4.18%
▲ 1.66% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Month Share Certificate
$500
4.18%
▲ 1.66% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.66% above avgNationally 2.82%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 9, 20264.18%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Boston 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 4 Years
$0
4.70%
▲ 2.34% above Massachusetts avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 2.34% above avgNationally 2.81%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.70% ▲ 0.35 pts · high 4.70% / low 4.35%
- Oct 26, 20264.70%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
4 Year High-Yield CD
$500
4.40%
▲ 2.04% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 2.04% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 48 Month
$1,000
4.25%
▲ 1.89% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.36%▲ 1.89% above avgNationally 2.81%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
4 Year CD
$2,500
3.55%
▲ 1.19% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.36%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
IRA Certificate - 48 Months
$500
3.10%
▲ 0.74% above Massachusetts avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 0.74% above avgNationally 2.81%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 3.10% APY · checked 3 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 48 Months
$500
3.00%
▲ 0.64% above Massachusetts avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 0.64% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
28 State St, Boston, MA 02109
4 Year Online CD
$0
2.75%
▲ 0.39% above Massachusetts avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 0.39% above avgNationally 2.81%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
48 Month Share Certificate
$500
2.44%
▲ 0.08% above Massachusetts avg
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.36%▲ 0.08% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 2.44% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
4 Year TD Choice CD
$0
1.99%
▼ 0.37% below Massachusetts avg
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 0.37% below avgNationally 2.81%
Details
No Longer for Sale
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
48 Month Share/IRA Certificate
$500
1.50%
▼ 0.86% below Massachusetts avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▼ 0.86% below avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 1.50% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 48 months
$500
1.50%
▼ 0.86% below Massachusetts avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▼ 0.86% below avgNationally 2.81%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 1.50% APY · checked 2 times
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
540 Tremont St, Boston, MA 02116
4 Year Certificate of Deposit
$1,000
1.00%
▼ 1.36% below Massachusetts avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 1.36% below avgNationally 2.81%
Details
APY accurate as of 30th October 2026; Early withdrawal penalties may be imposed
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 6 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
48 Month Premium Certificate
$50,000
0.95%
▼ 1.41% below Massachusetts avg
▼
Rate0.95%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▼ 1.41% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 3 times
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 48 Months
$0
0.90%
▼ 1.46% below Massachusetts avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▼ 1.46% below avgNationally 2.81%
Details
Also available for IRA's, including ROTH; Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.90% APY · checked 4 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
48 Month Certificate
$500
0.85%
▼ 1.51% below Massachusetts avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▼ 1.51% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 3 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
48 month CD/IRA
$500
0.65%
▼ 1.71% below Massachusetts avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 1.71% below avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 13 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
4 Year CD
$1,000
0.50%
▼ 1.86% below Massachusetts avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 1.86% below avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 4 times
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
25 Court St, Boston, MA 02108
Certificates of Deposit (CD'S) - 4 Year
$0
0.50%
▼ 1.86% below Massachusetts avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 1.86% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
4-Year Jumbo CD
$100,000
0.50%
▼ 1.86% below Massachusetts avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▼ 1.86% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
4-Year Term CD
$1,000
0.50%
▼ 1.86% below Massachusetts avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▼ 1.86% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
Term CD - 4-Year
$1,000
0.50%
▼ 1.86% below Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▼ 1.86% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
4-Year RampUp CD
$50,000
0.25%
▼ 2.11% below Massachusetts avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▼ 2.11% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
4 Year Certificate of Deposit
$500
0.15%
▼ 2.21% below Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 2.21% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.33% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 2.33% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 48 Months
$250
0.03%
▼ 2.33% below Massachusetts avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 2.33% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.34% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 2.34% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 48 Months
$250
0.02%
▼ 2.34% below Massachusetts avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 2.34% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.35% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 2.35% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 48 Months
$250
0.01%
▼ 2.35% below Massachusetts avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▼ 2.35% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
48 Month Certificate of Deposit
$1,000
4.50%
▲ 2.14% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.14% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Term Share Certificates - 48 Months
$500
4.45%
▲ 2.09% above Massachusetts avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.09% above avgNationally 2.81%
Details
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings
Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$50,000
4.39%
▲ 2.03% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.03% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
- Sep 29, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$50,000
4.39%
▲ 2.03% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.03% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.39% APY · checked 3 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 48 Month
$1,000
4.28%
▲ 1.92% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.92% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 48 Month
$1,000
4.28%
▲ 1.92% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.92% above avgNationally 2.81%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.28% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 48 Month
$50,000
4.28%
▲ 1.92% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.92% above avgNationally 2.81%
Details
Jumbo; $50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 23, 20264.28%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA 48 Month CD
$0
4.25%
▲ 1.89% above Massachusetts avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.36%▲ 1.89% above avgNationally 2.81%
Details
Individual Retirement Account
Rate History
1 change since Oct 21, 2026 · 0.40% → 4.25% ▲ 3.85 pts · high 4.25% / low 0.40%
- Oct 26, 20264.25%▲ from 0.40%
- Oct 21, 20260.40%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Months Term Share Certificate - Jumbo
$0
4.25%
▲ 1.89% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.89% above avgNationally 2.81%
Details
Jumbo CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.25% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$500
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
- Sep 29, 20264.23%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$500
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 3 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month Certificate
$0
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month IRA Certificate
$0
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
48 Month Share Certificate
$500
4.18%
▲ 1.82% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.82% above avgNationally 2.81%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 9, 20264.18%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 48 month Certificate
$0
4.15%
▲ 1.79% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.79% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Months Term Share Certificate
$0
4.15%
▲ 1.79% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.79% above avgNationally 2.81%
Details
Regular CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.15% APY
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposits - 48-Month
$1,000
4.02%
▲ 1.66% above Massachusetts avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.66% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 4.02% APY · checked 4 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
48-Month CD
$25,000
4.00%
▲ 1.64% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.36%▲ 1.64% above avgNationally 2.81%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
48 Month Certificate
$2,500
3.82%
▲ 1.46% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
48 Month Fixed
$0
3.81%
▲ 1.45% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.45% above avgNationally 2.81%
Details
Fixed-term rate
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50%
- Oct 5, 20263.81%▲ from 3.50%
- Sep 14, 20263.50%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Business Term Deposit - 48 Month
$0
3.81%
▲ 1.45% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.45% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.81% APY · checked 2 times
Boston 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Northern Ave, Boston, MA 02210
Certificate of Deposit - 5 Years
$0
4.70%
▲ 2.19% above Massachusetts avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 2.19% above avgNationally 2.92%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.70% ▲ 0.35 pts · high 4.70% / low 4.35%
- Oct 26, 20264.70%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
5 Year High-Yield CD
$500
4.40%
▲ 1.89% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.89% above avgNationally 2.92%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
60 Month IRA Certificate
$500
4.25%
▲ 1.74% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.74% above avgNationally 2.92%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.25% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 60 Month
$1,000
4.25%
▲ 1.74% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.74% above avgNationally 2.92%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
5 Year CD
$2,500
3.55%
▲ 1.04% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.04% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
5 Year Consumer Certificate of Deposit
$500
3.40%
▲ 0.89% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 0.89% above avgNationally 2.92%
Details
Maximum opening deposit amount of $500,000.00; Fees could reduce earnings; early withdrawal penalty may apply; CD automatically renews at then-offered rate
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
IRA Certificate - 60 Months
$500
3.10%
▲ 0.59% above Massachusetts avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 0.59% above avgNationally 2.92%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 3.10% APY · checked 3 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
922 Commonwealth Ave, Boston, MA 02215 1204
Certificate of Deposit - 60 Months
$500
3.00%
▲ 0.49% above Massachusetts avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 0.49% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
28 State St, Boston, MA 02109
5 Year Online CD
$0
2.75%
▲ 0.24% above Massachusetts avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 0.24% above avgNationally 2.92%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
28 State St, Boston, MA 02109
Online CD - 5 Year
$0
2.75%
▲ 0.24% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 0.24% above avgNationally 2.92%
Details
Online CD; Open online; APY accurate as of 07/28/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 3 times
Cheyenne Laramie County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Avenue DE Lafayette, Boston, MA 02111 1750
60 Month Share Certificate
$500
2.50%
▼ 0.01% below Massachusetts avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▼ 0.01% below avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
5 Year TD Choice CD
$250
2.00%
▼ 0.51% below Massachusetts avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 0.51% below avgNationally 2.92%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1196 River St, Boston, MA 02136
5-Year CD
$1,000
2.00%
▼ 0.51% below Massachusetts avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 0.51% below avgNationally 2.92%
Details
Compounded: Daily
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 11 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
185 Franklin St, Boston, MA 02110
5 Year TD Choice CD
$250
1.99%
▼ 0.52% below Massachusetts avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 0.52% below avgNationally 2.92%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
60 Month Share/IRA Certificate
$500
1.50%
▼ 1.01% below Massachusetts avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▼ 1.01% below avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 1.50% APY · checked 4 times
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
25 DORCHESTER AVE, BOSTON, MA 02205
Share/IRA Certificate - 60 months
$500
1.50%
▼ 1.01% below Massachusetts avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▼ 1.01% below avgNationally 2.92%
Details
Maximum deposit $500,000; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 1.50% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
60 Month Premium Certificate
$50,000
1.00%
▼ 1.51% below Massachusetts avg
▼
Rate1.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▼ 1.51% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
CITY HALL, BOSTON, MA 02201
Share Certificate 60 Months
$0
0.94%
▼ 1.57% below Massachusetts avg
▼
Rate0.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▼ 1.57% below avgNationally 2.92%
Details
Also available for IRA's, including ROTH; Subject to penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.94% APY · checked 4 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
60 Month Certificate
$500
0.90%
▼ 1.61% below Massachusetts avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▼ 1.61% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 3 times
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
389 Hanover St, Boston, MA 02113
60 month CD/IRA
$500
0.65%
▼ 1.86% below Massachusetts avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 1.86% below avgNationally 2.92%
Details
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 13 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
5-Year Jumbo CD
$100,000
0.50%
▼ 2.01% below Massachusetts avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▼ 2.01% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
5-Year Term CD
$1,000
0.50%
▼ 2.01% below Massachusetts avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▼ 2.01% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10 Post Office Sq, Boston, MA 02109
Term CD - 5-Year
$1,000
0.50%
▼ 2.01% below Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▼ 2.01% below avgNationally 2.92%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 2.48% below Massachusetts avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 2.48% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 60 Months
$250
0.03%
▼ 2.48% below Massachusetts avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 2.48% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 2.49% below Massachusetts avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 2.49% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 60 Months
$250
0.02%
▼ 2.49% below Massachusetts avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 2.49% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 2.50% below Massachusetts avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 2.50% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
729 Boylston St Unit 1, Boston, MA 02116
IRA CD 60 Months
$250
0.01%
▼ 2.50% below Massachusetts avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▼ 2.50% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
60 Month Certificate of Deposit
$1,000
4.75%
▲ 2.24% above Massachusetts avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 2.24% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.75% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$50,000
4.44%
▲ 1.93% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.93% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Sep 29, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$50,000
4.44%
▲ 1.93% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.93% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 3 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Months Term Share Certificate - Jumbo
$0
4.30%
▲ 1.79% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.79% above avgNationally 2.92%
Details
Jumbo CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.30% APY
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 60 Month
$1,000
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 60 Month
$1,000
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.28% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$500
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Sep 29, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$500
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 60 Month
$50,000
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Jumbo; $50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 23, 20264.28%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
60 Month Certificate
$0
4.23%
▲ 1.72% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.72% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
60 Month IRA Certificate
$0
4.23%
▲ 1.72% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.72% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 60 month Certificate
$0
4.20%
▲ 1.69% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.69% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 60 month IRA Certificate
$0
4.20%
▲ 1.69% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.69% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Months Term Share Certificate
$0
4.20%
▲ 1.69% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.69% above avgNationally 2.92%
Details
Regular CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.20% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
60 Month Share Certificate
$500
4.18%
▲ 1.67% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.67% above avgNationally 2.92%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 9, 20264.18%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposits - 60-Month
$1,000
4.07%
▲ 1.56% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.56% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 4 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
60-Month CD
$25,000
4.00%
▲ 1.49% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.49% above avgNationally 2.92%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
60 Month Certificate
$2,500
3.82%
▲ 1.31% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.31% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
60 Month Fixed
$0
3.81%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.30% above avgNationally 2.92%
Details
Fixed-term rate
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Oct 9, 20263.81%▲ from 3.55%
- Sep 14, 20263.55%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Business Term Deposit - 60 Month
$0
3.81%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.30% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 3.81% APY · checked 2 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
IRA 60 Month Fixed
$0
3.81%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.30% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 3.81% APY · checked 3 times
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Boston, MA CD Rate Trends
Compare local Boston, 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.
12-Month CD MA Avg
2.791%
▲ 0.011 vs 7 days ago
Massachusetts 12-month CD rates rose 0.011 points over the past 7 days to 2.791% APY.
6-Month CD MA Avg
2.699%
▲ 0.012 vs 7 days ago
Massachusetts 6-month CD rates rose 0.012 points over the past 7 days to 2.699% APY.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
MA CD Rate Forecast, Next 12 Months
Where are Massachusetts CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.791%
6-Month Forecast
2.791%
Range: 2.59%, 2.94%
12-Month Forecast
3.041%
Range: 2.84%, 3.19%
Powered by
MonitorBankRates
What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.073% | $103.66 | $207.32 | $518.30 | $1,036.60 |
| 6-Month CD | 2.699% | $134.97 | $269.93 | $674.83 | $1,349.65 |
| 12-Month CD | 2.791% | $139.57 | $279.14 | $697.85 | $1,395.70 |
| 18-Month CD | 2.866% | $143.30 | $286.59 | $716.48 | $1,432.95 |
| 24-Month CD | 2.654% | $132.70 | $265.39 | $663.48 | $1,326.95 |
| 36-Month CD | 2.519% | $125.95 | $251.90 | $629.75 | $1,259.50 |
| 48-Month CD | 2.360% | $118.00 | $236.00 | $590.00 | $1,180.00 |
| 60-Month CD | 2.512% | $125.62 | $251.23 | $628.08 | $1,256.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for Boston, Massachusetts Savers
$25,000 split equally across 5 terms using today’s Massachusetts average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.073% | $103.66 |
| 2 | 6-Month CD | $5,000 | 2.699% | $134.97 |
| 3 | 12-Month CD | $5,000 | 2.791% | $139.57 |
| 4 | 24-Month CD | $5,000 | 2.654% | $132.70 |
| 5 | 36-Month CD | $5,000 | 2.519% | $125.95 |
| Total ($25,000 invested) | $25,000 | 2.547% blended | $636.85/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.
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1,757
CD Rates
Tracked in Boston, Massachusetts
Tracked in Boston, Massachusetts
66 Banks
63 Credit Unions
About Our Boston, Massachusetts CD Rate Database
MonitorBankRates tracks 1,757 CD rates from 66 banks and 63 credit unions with locations in Boston, 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 to 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: Leader Bank offers a CD at 4.70% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Boston, Massachusetts.
How to Find the Best CD Rates in Boston, Massachusetts
What to compare when shopping for a CD in Boston, Massachusetts
To find the best APYs in Boston, Massachusetts, start with credit unions and online-only banks: Boston, Massachusetts has 63 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 Boston, 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 Boston, Massachusetts: 129 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Boston, 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 Boston, Massachusetts money market rates
Boston, Massachusetts Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.0%
National avg: 17.3%
Median Individual Earnings
$55,909
National avg: $47,340
Poverty Rate
16.6%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$156/yr
At MA 12-mo avg 2.791% APY
13.0% of residents are 65 or older, below the national average of 17.3%. At today’s MA 12-month CD average of 2.791%, saving 10% of the local median salary ($5,590/year) and putting it in a CD would earn an additional $156 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 Boston, 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 to 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 |
CD Product Information
How CDs Work
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 Boston, 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 Boston, Massachusetts as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Boston, Massachusetts savers easier access to their funds. For example, Happen Bank is offering its 6 Month Consumer Certificate of Deposit at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Leader Bank is offering its Certificate of Deposit - 5 Years at 4.70% 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
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 Boston, 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
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 Boston, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Boston, 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 Boston, Massachusetts
What are CD rates in Boston, Massachusetts today?
Boston, Massachusetts CD rates range from 0.01% to 5.05% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.70% APY at Leader Bank (Certificate of Deposit - 4 Years), 4.50% at Hanscom Federal Credit Union (12 Month IRA Certificate) and 4.40% at Marcus Bank (12 Month High-Yield CD), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Boston, Massachusetts FDIC insured?
Yes, most established banks in Boston, 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 Boston, 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 Boston, 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 Boston, 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 Boston, Massachusetts?
Here are recent top rates found for this area:
- Leader Bank: 4.70% APY (Certificate of Deposit - 4 Years)
- Hanscom Federal Credit Union: 4.50% APY (12 Month IRA Certificate)
- Marcus Bank: 4.40% APY (12 Month High-Yield CD)
- Happen Bank: 4.40% APY (6 Month Consumer Certificate of Deposit)
- Metro Credit Union: 4.40% APY (IRA Certificate - 18 Months)
- Salem Five Direct: 4.36% APY (18-Month CD)
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- Eastern Bank: 4.30% APY (18 Month CD/IRA CD)
- Rockland Trust: 4.15% APY (Select 18-Month CD)
- Santander Bank: 4.00% APY (18-Month CD)
Rates reflect recent verified offers available in Boston, Massachusetts. Last Updated: October 31, 2026
Boston, 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 Boston, Massachusetts rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Boston, Massachusetts
Boston, Massachusetts CD Calculator
At today’s MA top rate of 4.70% APY, a $10,000 deposit earns $470 in the first year. Enter your amount to see your exact return.
Boston, Massachusetts CD LadderMA CD rates currently range from 2.073% (3-month) to 2.519% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Boston, Massachusetts CD at 4.70% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.791% 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 Boston, 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 Boston, 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 Boston, 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: October 31, 2026
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