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Hanson, Massachusetts Best CD Rates August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

Current Hanson, Massachusetts CD rates include Rockland TrustRockland Trust470 Liberty St, Hanson, MA 02341A+5.0 ★Texas Ratio: 1.37%Real return: -0.05%APY minus CPI (February 2026) offering 6-Month CD at 2.75% APY, Middlesex Federal SavingsMiddlesex Federal SavingsA+5.0 ★Texas Ratio: 0.50%Real return: +2.41%APY minus CPI (February 2026) offering IRA 18 Month Variable Rate Certificate at 5.21% APY, Happen BankHappen BankA5.0 ★Texas Ratio: 6.13%Real return: +1.60%APY minus CPI (February 2026) offering Consumer Certificate of Deposit - 2 years at 4.40% APY, Plymouth County Teachers Federal Credit UnionPlymouth County Teachers Federal Credit UnionA5.0 ★Texas Ratio: 10.09%Real return: +1.53%APY minus CPI (February 2026) offering 12-Month Traditional/Roth IRA CD at 4.33% APY, and USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 6.66%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY. CD rates as of August 29, 2026 according to verified data from MonitorBankRates.

Hanson has 5 local institutions in our database, with CD rates as high as 2.75% APY from Rockland Trust at 470 Liberty St, Hanson, MA 02341. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated — we recommend checking back frequently.

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

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

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

Hanson 3 Month CD Rates

Massachusetts 3 Month CD Average1.87% APYNational 1.96%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
3 Month CD
$500
3.90% ▲ 2.03% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 2.03% above avgNationally 1.96%
Details

New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
3 Month SPECIAL Certificate of Deposit
$2,500
3.85% ▲ 1.98% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.98% above avgNationally 1.96%
Details

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Month Certificate of Deposit
$1,000
3.80% ▲ 1.93% above Massachusetts avg
View
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.93% above avgNationally 1.96%
Details

Open 3 Month CD Online

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Month IRA Certificate of Deposit
$250
3.80% ▲ 1.93% above Massachusetts avg
View
▼
Rate3.73%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.93% above avgNationally 1.96%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 Months
$0
3.75% ▲ 1.88% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.88% above avgNationally 1.96%
Details

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 month
$500
3.75% ▲ 1.88% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.88% above avgNationally 1.96%
Details

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

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 month CD
$500
3.75% ▲ 1.88% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.88% above avgNationally 1.96%
Details

BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Premium
$50,000
3.65% ▲ 1.78% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.78% above avgNationally 1.96%
Details

Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3 Month Premium Certificate
$50,000
3.65% ▲ 1.78% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.78% above avgNationally 1.96%
Details

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$0
3.60% ▲ 1.73% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.73% above avgNationally 1.96%
Details

600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
3 month CD
$0
3.60% ▲ 1.73% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.73% above avgNationally 1.96%
Details

BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$500
3.55% ▲ 1.68% above Massachusetts avg
View
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.68% above avgNationally 1.96%
Details

Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3 Month Certificate
$500
3.55% ▲ 1.68% above Massachusetts avg
View
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.68% above avgNationally 1.96%
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Months CD
$0
3.50% ▲ 1.63% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.63% above avgNationally 1.96%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month
$0
3.50% ▲ 1.63% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.63% above avgNationally 1.96%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$1,000
3.50% ▲ 1.63% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.63% above avgNationally 1.96%
Details

Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 months
$500
3.39% ▲ 1.52% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.52% above avgNationally 1.96%
Details

MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month CD
$500
3.35% ▲ 1.48% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.48% above avgNationally 1.96%
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
3 Months
$500
3.25% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.38% above avgNationally 1.96%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.

Cambridge Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Months
$0
3.25% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.38% above avgNationally 1.96%
Details

Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
3 Month
$500
3.25% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.38% above avgNationally 1.96%
Details

Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Business 3 Month
$500
3.25% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.38% above avgNationally 1.96%
Details

Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Business 3 Month CD
$0
3.25% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.38% above avgNationally 1.96%
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Month
$500
3.25% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.38% above avgNationally 1.96%
Details

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month CD
$500
3.25% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.38% above avgNationally 1.96%
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month CD
$500
3.20% ▲ 1.33% above Massachusetts avg
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.33% above avgNationally 1.96%
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
3 Months High Yield
$500
3.10% ▲ 1.23% above Massachusetts avg
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.23% above avgNationally 1.96%
Details

New Money Only: No; May be used for Traditional and Roth accounts: No

Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Months
$1,000
3.00% ▲ 1.13% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.13% above avgNationally 1.96%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month Business CD
$0
3.00% ▲ 1.13% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.13% above avgNationally 1.96%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month CD
$0
3.00% ▲ 1.13% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.13% above avgNationally 1.96%
Details

Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
3 Month
$500
3.00% ▲ 1.13% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 1.13% above avgNationally 1.96%
Details

Morton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 months
$0
2.79% ▲ 0.92% above Massachusetts avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.92% above avgNationally 1.96%
Details

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 MONTH
$500
2.75% ▲ 0.88% above Massachusetts avg
View
▼
Rate2.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.88% above avgNationally 1.96%
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 month
$0
2.75% ▲ 0.88% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.88% above avgNationally 1.96%
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificate Of Deposit - 3 month
$500
2.75% ▲ 0.88% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.88% above avgNationally 1.96%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3 Months
$500
2.75% ▲ 0.88% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.88% above avgNationally 1.96%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
IRA Certificates 3 Months
$500
2.75% ▲ 0.88% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.88% above avgNationally 1.96%
Details

Canton Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
3 Month CD
$0
2.56% ▲ 0.69% above Massachusetts avg
View
▼
Rate2.53%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.69% above avgNationally 1.96%
Details

Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3 Month
$0
2.50% ▲ 0.63% above Massachusetts avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.63% above avgNationally 1.96%
Details

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
3 Month Certificate
$500
2.25% ▲ 0.38% above Massachusetts avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.38% above avgNationally 1.96%
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3 Month CD
$0
2.25% ▲ 0.38% above Massachusetts avg
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.38% above avgNationally 1.96%
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificate 3 Month
$0
2.25% ▲ 0.38% above Massachusetts avg
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.38% above avgNationally 1.96%
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Months
$500
1.95% ▲ 0.08% above Massachusetts avg
View
▼
Rate1.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▲ 0.08% above avgNationally 1.96%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
90 Days Fixed
$0
1.25% ▼ 0.62% below Massachusetts avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▼ 0.62% below avgNationally 1.96%
Details

With 2,500 Co-op Points

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month Certificate
$0
1.00% ▼ 0.87% below Massachusetts avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▼ 0.87% below avgNationally 1.96%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month IRA Certificate
$0
1.00% ▼ 0.87% below Massachusetts avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▼ 0.87% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month
$0
1.00% ▼ 0.87% below Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▼ 0.87% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month TD Choice CD
$250
1.00% ▼ 0.87% below Massachusetts avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▼ 0.87% below avgNationally 1.96%
Details

Relationship APY

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
3 Month CD
$500
1.00% ▼ 0.87% below Massachusetts avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▼ 0.87% below avgNationally 1.96%
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Business 3 Month CD
$500
1.00% ▼ 0.87% below Massachusetts avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average1.87%▼ 0.87% below avgNationally 1.96%
Details

Hanson 6 Month CD Rates

Massachusetts 6 Month CD Average2.53% APYNational 2.67%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
470 Liberty St, Hanson, MA 02341
6-Month CD
$1,000
2.75% ▲ 0.22% above Massachusetts avg
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 0.22% above avgNationally 2.67%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 6 months
$500
4.20% ▲ 1.67% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.67% above avgNationally 2.67%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6 Months
$0
4.10% ▲ 1.57% above Massachusetts avg
View
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.57% above avgNationally 2.67%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6-Month CD
$0
4.10% ▲ 1.57% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.57% above avgNationally 2.67%
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Certificate
$2,500
4.10% ▲ 1.57% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.57% above avgNationally 2.67%
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Business 6 Month Certificate
$0
4.10% ▲ 1.57% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.57% above avgNationally 2.67%
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
6 Month CD
$500
4.07% ▲ 1.54% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.54% above avgNationally 2.67%
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Month CD
$500
4.00% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.47% above avgNationally 2.67%
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
6 Months
$250
4.00% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.47% above avgNationally 2.67%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.

Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6-Month
$500
4.00% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.47% above avgNationally 2.67%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month CD
$0
4.00% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.47% above avgNationally 2.67%
Details

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Share/IRA Certificate 6 months
$0
4.00% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.47% above avgNationally 2.67%
Details

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Share/IRA Certificates 6 months
$0
4.00% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.47% above avgNationally 2.67%
Details

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month Certificate of Deposit
$1,000
3.90% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.37% above avgNationally 2.67%
Details

Open 6 Month CD Online

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month IRA Certificate of Deposit
$250
3.90% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.37% above avgNationally 2.67%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
6 Month TDC
$0
3.90% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.37% above avgNationally 2.67%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
6 Month Term Deposit Certificate
$0
3.90% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.37% above avgNationally 2.67%
Details

(1)

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Business 6 Month TDC
$0
3.90% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.37% above avgNationally 2.67%
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
6 month CD
$500
3.87% ▲ 1.34% above Massachusetts avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.34% above avgNationally 2.67%
Details

UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month IRA CD
$0
3.85% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.32% above avgNationally 2.67%
Details

Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6 Month Term Share Certificate / Term Share IRA
$500
3.85% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.32% above avgNationally 2.67%
Details

Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
6 months
$1,000
3.85% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.32% above avgNationally 2.67%
Details

Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month
$1,000
3.81% ▲ 1.28% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.28% above avgNationally 2.67%
Details

Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 month CD SPECIAL
$0
3.81% ▲ 1.28% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.28% above avgNationally 2.67%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month Business CD
$0
3.80% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.27% above avgNationally 2.67%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month HSA CD
$0
3.80% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.27% above avgNationally 2.67%
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 6 months
$0
3.79% ▲ 1.26% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.26% above avgNationally 2.67%
Details

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 months
$0
3.76% ▲ 1.23% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.23% above avgNationally 2.67%
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6-Month Insured CD
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Fixed rate term. New money only. $250,000 maximum deposit. APY assumes the interest remains on deposit until maturity. A penalty may be imposed for early withdrawal. Offer may be withdrawn at any time. Will automatically renew at maturity to a 6-month Certificate unless the customer chooses another product. Does not apply to IRAs.

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6-Month Special Certificate
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 months
$2,500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Compounding: Monthly

OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Business 6 months
$2,500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6 Month
$0
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
6 Month CD
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
6 Month IRA CD
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
Business 6 Month CD
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
Business 6 Month IRA CD
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
6 Months
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
IRA Certificates 6 Months
$500
3.75% ▲ 1.22% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.22% above avgNationally 2.67%
Details

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
6 Months
$0
3.66% ▲ 1.13% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.13% above avgNationally 2.67%
Details

Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
6 Month
$0
3.66% ▲ 1.13% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.13% above avgNationally 2.67%
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 Month
$0
3.65% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.12% above avgNationally 2.67%
Details

New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
6 Month Certificate of Deposit
$1,000
3.65% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.12% above avgNationally 2.67%
Details

New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
IRA Certificate of Deposit - 6 Month
$0
3.65% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.12% above avgNationally 2.67%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Certificates & Individual Retirement Accounts - 6 Month
$500
3.65% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.12% above avgNationally 2.67%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 6 Month
$100,000
3.65% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.12% above avgNationally 2.67%
Details

BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Premium
$50,000
3.65% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.12% above avgNationally 2.67%
Details

Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
6 Month Premium Certificate
$50,000
3.65% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.12% above avgNationally 2.67%
Details

Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
6 Month CD
$0
3.63% ▲ 1.10% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.10% above avgNationally 2.67%
Details

Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
6 Month IRA
$0
3.63% ▲ 1.10% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.53%▲ 1.10% above avgNationally 2.67%
Details

Hanson 12 Month CD Rates

Massachusetts 12 Month CD Average2.39% APYNational 2.83%▼ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
470 Liberty St, Hanson, MA 02341
Select 12-Month CD
$1,000
2.50% ▲ 0.11% above Massachusetts avg
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 0.11% above avgNationally 2.83%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
12-Month Traditional/Roth IRA CD
$100,000
4.33% ▲ 1.94% above Massachusetts avg
View
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.94% above avgNationally 2.83%
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
12 Months
$0
4.23% ▲ 1.84% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.84% above avgNationally 2.83%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
12-Month Traditional/Roth IRA CD
$500
4.18% ▲ 1.79% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.79% above avgNationally 2.83%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Months
$0
4.15% ▲ 1.76% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.76% above avgNationally 2.83%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12-Month CD
$0
4.15% ▲ 1.76% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.76% above avgNationally 2.83%
Details

Up to $250,000

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1 Year Certificate
$1,000
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Business 1 Year Certificate
$0
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
12 Month IRA TDC
$0
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
12 Month TDC
$0
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Business 12 Month TDC
$0
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
1 Year CD
$500
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
1 Year IRA CD
$500
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
Business 1 Year CD
$500
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
Business 1 Year IRA CD
$500
4.05% ▲ 1.66% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.66% above avgNationally 2.83%
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month CD
$500
4.00% ▲ 1.61% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.61% above avgNationally 2.83%
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
12 Months
$500
4.00% ▲ 1.61% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.61% above avgNationally 2.83%
Details

Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.

Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
1 year CD
$0
4.00% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.61% above avgNationally 2.83%
Details

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Share/IRA Certificate 12 months
$0
4.00% ▲ 1.61% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.61% above avgNationally 2.83%
Details

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Share/IRA Certificates 12 months
$0
4.00% ▲ 1.61% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.61% above avgNationally 2.83%
Details

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 months
$0
3.87% ▲ 1.48% above Massachusetts avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.48% above avgNationally 2.83%
Details

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year Certificate of Deposit
$1,000
3.85% ▲ 1.46% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.46% above avgNationally 2.83%
Details

Open 1 Year CD Online

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year IRA Certificate of Deposit
$250
3.85% ▲ 1.46% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.46% above avgNationally 2.83%
Details

Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Month CD
$5,000
3.85% ▲ 1.46% above Massachusetts avg
View
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.46% above avgNationally 2.83%
Details

Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6-12 month CD/IRA Special
$10,000
3.85% ▲ 1.46% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.46% above avgNationally 2.83%
Details

BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
12-Month CD
$0
3.85% ▲ 1.46% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.46% above avgNationally 2.83%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
12 Month Certificate
$0
3.81% ▲ 1.42% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.42% above avgNationally 2.83%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
12 Month IRA Certificate
$0
3.81% ▲ 1.42% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.42% above avgNationally 2.83%
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Month Term Certificate
$0
3.81% ▲ 1.42% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.42% above avgNationally 2.83%
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
12 Month CD
$0
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificate 12 Month
$0
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month
$500
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Online Only

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
12 Month CD
$500
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 12 months
$0
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
12 Month
$0
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
12 Month Share Certificate
$1,000
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1 year
$0
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

LIMITED TIME ONLY

Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
12 Month Term Share Certificate / Term Share IRA
$500
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
12 month CD
$500
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

City of Boston Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.18%
12 Months Share Certificate
$0
3.75% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.36% above avgNationally 2.83%
Details

NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 1 Year
$0
3.70% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.31% above avgNationally 2.83%
Details

Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year CD
$0
3.70% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.31% above avgNationally 2.83%
Details

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
IRA Certificates - 12 Months
$0
3.66% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.27% above avgNationally 2.83%
Details

Traditional & Roth IRA's

Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
12 Month
$0
3.66% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.27% above avgNationally 2.83%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Certificates & Individual Retirement Accounts - 12 Month
$500
3.65% ▲ 1.26% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.26% above avgNationally 2.83%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 12 Month
$100,000
3.65% ▲ 1.26% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.26% above avgNationally 2.83%
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
First-Responder 12-Month
$1,000
3.61% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.22% above avgNationally 2.83%
Details

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 12 month fixed
$0
3.60% ▲ 1.21% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.21% above avgNationally 2.83%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 12 month variable
$0
3.60% ▲ 1.21% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.21% above avgNationally 2.83%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Months
$500
3.56% ▲ 1.17% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.39%▲ 1.17% above avgNationally 2.83%
Details

Hanson 18 Month CD Rates

Massachusetts 18 Month CD Average2.45% APYNational 2.67%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
470 Liberty St, Hanson, MA 02341
Select 18-Month CD
$1,000
2.50% ▲ 0.05% above Massachusetts avg
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 0.05% above avgNationally 2.67%
Details

Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
IRA 18 Month Variable Rate Certificate
$100
5.21% ▲ 2.76% above Massachusetts avg
View
▼
Rate5.09%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 2.76% above avgNationally 2.67%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Months
$0
4.15% ▲ 1.70% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.70% above avgNationally 2.67%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18-Month CD
$0
4.15% ▲ 1.70% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.70% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
1.5 Year CD
$500
4.10% ▲ 1.65% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.65% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
1.5 Year IRA CD
$500
4.10% ▲ 1.65% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.65% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
Business 1.5 Year CD
$500
4.10% ▲ 1.65% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.65% above avgNationally 2.67%
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
Business 1.5 Year IRA CD
$500
4.10% ▲ 1.65% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.65% above avgNationally 2.67%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
18 Month IRA TDC
$0
4.05% ▲ 1.60% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.60% above avgNationally 2.67%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
18 Month TDC
$0
4.05% ▲ 1.60% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.60% above avgNationally 2.67%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Business 18 Month TDC
$0
4.05% ▲ 1.60% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.60% above avgNationally 2.67%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
18-Month Traditional/Roth IRA CD
$500
4.02% ▲ 1.57% above Massachusetts avg
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.57% above avgNationally 2.67%
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month CD
$500
4.00% ▲ 1.55% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.55% above avgNationally 2.67%
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
18 Month
$200
4.00% ▲ 1.55% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.55% above avgNationally 2.67%
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Month Certificate
$0
3.90% ▲ 1.45% above Massachusetts avg
View
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.45% above avgNationally 2.67%
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Month Certificate IRA
$0
3.90% ▲ 1.45% above Massachusetts avg
View
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.45% above avgNationally 2.67%
Details

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
18-Month M&T Select CD
$0
3.85% ▲ 1.40% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.40% above avgNationally 2.67%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 Month Certificate
$0
3.81% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.67%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 Month IRA Certificate
$0
3.81% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.67%
Details

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
18 Months
$1,000
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.67%
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18-Month Special Certificate
$500
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.67%
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
18 month CD
$500
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.67%
Details

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month Certificate of Deposit
$1,000
3.70% ▲ 1.25% above Massachusetts avg
View
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.25% above avgNationally 2.67%
Details

Open 18 Month CD Online (Opens in new tab)

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month IRA Certificate of Deposit
$250
3.70% ▲ 1.25% above Massachusetts avg
View
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.25% above avgNationally 2.67%
Details

NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 18 Months
$0
3.70% ▲ 1.25% above Massachusetts avg
View
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.25% above avgNationally 2.67%
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Months CD
$0
3.70% ▲ 1.25% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.25% above avgNationally 2.67%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.70% ▲ 1.25% above Massachusetts avg
View
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.25% above avgNationally 2.67%
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month Certificate
$1,000
3.60% ▲ 1.15% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.67%
Details

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 18 month fixed
$0
3.60% ▲ 1.15% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.67%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 18 month variable
$0
3.60% ▲ 1.15% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.67%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
18 months
$500
3.60% ▲ 1.15% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.67%
Details

New Money Only: No; May be used for Traditional and Roth accounts: Yes

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 months
$0
3.56% ▲ 1.11% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.11% above avgNationally 2.67%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
18 Month Fixed
$0
3.55% ▲ 1.10% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.67%
Details

With 2,500 Co-op Points

TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Months
$500
3.55% ▲ 1.10% above Massachusetts avg
View
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.67%
Details

Penalty: 120 Days Interest

Cambridge Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
18 Months
$0
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month
$1,000
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Open an Account at Any Location

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month CD
$0
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificate 18 Month
$0
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 month
$500
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

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

Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
18 Month Certificate
$500
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 18 months
$500
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month
$0
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month Share Certificate
$1,000
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
18 month Certificate
$0
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
18 Month Term Share Certificate / Term Share IRA
$500
3.50% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.67%
Details

Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Term Certificates (CDs) & IRAs - 18 Month
$0
3.46% ▲ 1.01% above Massachusetts avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.01% above avgNationally 2.67%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.45% ▲ 1.00% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.00% above avgNationally 2.67%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Certificates & Individual Retirement Accounts - 18 Month
$500
3.45% ▲ 1.00% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.00% above avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.45% ▲ 1.00% above Massachusetts avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.00% above avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.45% ▲ 1.00% above Massachusetts avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.45%▲ 1.00% above avgNationally 2.67%
Details

Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%

Hanson 24 Month CD Rates

Massachusetts 24 Month CD Average2.28% APYNational 2.72%▼ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
470 Liberty St, Hanson, MA 02341
2-Year CD
$1,000
2.00% ▼ 0.28% below Massachusetts avg
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▼ 0.28% below avgNationally 2.72%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 2 years
$500
4.40% ▲ 2.12% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 2.12% above avgNationally 2.72%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
24 Month Certificate
$0
4.25% ▲ 1.97% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.97% above avgNationally 2.72%
Details

Special Rate

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Months
$0
4.15% ▲ 1.87% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.87% above avgNationally 2.72%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24-Month CD
$0
4.15% ▲ 1.87% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.87% above avgNationally 2.72%
Details

Up to $250,000

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
24 Month IRA TDC
$0
4.10% ▲ 1.82% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.82% above avgNationally 2.72%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
24 Month TDC
$0
4.10% ▲ 1.82% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.82% above avgNationally 2.72%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Business 24 Month TDC
$0
4.10% ▲ 1.82% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.82% above avgNationally 2.72%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
24-Month Traditional/Roth IRA CD
$50,000
3.97% ▲ 1.69% above Massachusetts avg
View
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.69% above avgNationally 2.72%
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month CD Special
$500
3.92% ▲ 1.64% above Massachusetts avg
View
▼
Rate3.86%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.64% above avgNationally 2.72%
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2 year CD
$500
3.87% ▲ 1.59% above Massachusetts avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.59% above avgNationally 2.72%
Details

Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
24 Months Rate
$0
3.85% ▲ 1.57% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.57% above avgNationally 2.72%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 Month Certificate
$0
3.81% ▲ 1.53% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.53% above avgNationally 2.72%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 Month IRA Certificate
$0
3.81% ▲ 1.53% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.53% above avgNationally 2.72%
Details

Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
2 Year CD
$0
3.80% ▲ 1.52% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.52% above avgNationally 2.72%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
24-Month Traditional/Roth IRA CD
$500
3.80% ▲ 1.52% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.52% above avgNationally 2.72%
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month
$500
3.75% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.47% above avgNationally 2.72%
Details

Online Only

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
24 Month CD
$500
3.75% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.47% above avgNationally 2.72%
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24-Month Special Certificate
$0
3.75% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.47% above avgNationally 2.72%
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
24 month Certificate
$0
3.75% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.47% above avgNationally 2.72%
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
24 Month
$200
3.75% ▲ 1.47% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.47% above avgNationally 2.72%
Details

NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 2 Years
$0
3.70% ▲ 1.42% above Massachusetts avg
View
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.42% above avgNationally 2.72%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month
$100,000
3.70% ▲ 1.42% above Massachusetts avg
View
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.42% above avgNationally 2.72%
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
24-Month CD
$500
3.67% ▲ 1.39% above Massachusetts avg
View
▼
Rate3.61%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.39% above avgNationally 2.72%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Fixed
$0
3.66% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.38% above avgNationally 2.72%
Details

With 2,500 Co-op Points

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 24 month fixed
$0
3.60% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.32% above avgNationally 2.72%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 24 month variable
$0
3.60% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.32% above avgNationally 2.72%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2 Year
$0
3.56% ▲ 1.28% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.28% above avgNationally 2.72%
Details

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 months
$0
3.56% ▲ 1.28% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.28% above avgNationally 2.72%
Details

Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
2 Year CD
$0
3.55% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.27% above avgNationally 2.72%
Details

Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month
$1,000
3.55% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.27% above avgNationally 2.72%
Details

TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
24 Months
$1,000
3.55% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.27% above avgNationally 2.72%
Details

Penalty: 120 Days Interest

Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month
$1,000
3.51% ▲ 1.23% above Massachusetts avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.23% above avgNationally 2.72%
Details

Open an Account at Any Location

Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Term Certificates (CDs) & IRAs - 24 Month
$0
3.51% ▲ 1.23% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.23% above avgNationally 2.72%
Details

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 month
$500
3.50% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.22% above avgNationally 2.72%
Details

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

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
24 Month
$0
3.50% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.22% above avgNationally 2.72%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
24 Month Share Certificate
$1,000
3.50% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.22% above avgNationally 2.72%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24 Months
$500
3.50% ▲ 1.22% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.22% above avgNationally 2.72%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
IRA Certificates 24 Months
$500
3.50% ▲ 1.22% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.22% above avgNationally 2.72%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month
$100,000
3.45% ▲ 1.17% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.17% above avgNationally 2.72%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Certificates & Individual Retirement Accounts - 24 Month
$500
3.45% ▲ 1.17% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.17% above avgNationally 2.72%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month "Bump-up"
$0
3.40% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.12% above avgNationally 2.72%
Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month Fixed
$0
3.40% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.12% above avgNationally 2.72%
Details

Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2 years
$0
3.35% ▲ 1.07% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.07% above avgNationally 2.72%
Details

Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
IRA Certificate 2 years
$0
3.35% ▲ 1.07% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.07% above avgNationally 2.72%
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 Month
$1,000
3.30% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.02% above avgNationally 2.72%
Details

Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
24 Months
$0
3.30% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.02% above avgNationally 2.72%
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 24 months
$0
3.29% ▲ 1.01% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 1.01% above avgNationally 2.72%
Details

RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month CD/IRA
$0
3.25% ▲ 0.97% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 0.97% above avgNationally 2.72%
Details

There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.

Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
24 Month Fixed Rate CD
$0
3.25% ▲ 0.97% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.28%▲ 0.97% above avgNationally 2.72%
Details

Hanson 36 Month CD Rates

Massachusetts 36 Month CD Average2.31% APYNational 2.66%▼ 0.18% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 Years
$0
4.15% ▲ 1.84% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.84% above avgNationally 2.66%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3-Year CD
$0
4.15% ▲ 1.84% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.84% above avgNationally 2.66%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
36 Month IRA TDC
$0
4.10% ▲ 1.79% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.79% above avgNationally 2.66%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
36 Month TDC
$0
4.10% ▲ 1.79% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.79% above avgNationally 2.66%
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Business 36 Month TDC
$0
4.10% ▲ 1.79% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.79% above avgNationally 2.66%
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 year CD
$500
3.87% ▲ 1.56% above Massachusetts avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.56% above avgNationally 2.66%
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3 Year
$0
3.82% ▲ 1.51% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.51% above avgNationally 2.66%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
36 Month Certificate
$0
3.81% ▲ 1.50% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.50% above avgNationally 2.66%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
36 Month IRA Certificate
$0
3.81% ▲ 1.50% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.50% above avgNationally 2.66%
Details

Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Year CD
$0
3.80% ▲ 1.49% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.49% above avgNationally 2.66%
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
36 month Certificate
$0
3.80% ▲ 1.49% above Massachusetts avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.49% above avgNationally 2.66%
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
36 month IRA Certificate
$0
3.80% ▲ 1.49% above Massachusetts avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.49% above avgNationally 2.66%
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36-Month Special Certificate
$0
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.66%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
36 Month
$0
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.66%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
36 Month Share Certificate
$1,000
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.66%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
36-Month Traditional/Roth IRA CD
$50,000
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.66%
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
36 Month
$200
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.66%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Fixed
$0
3.71% ▲ 1.40% above Massachusetts avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.40% above avgNationally 2.66%
Details

With 2,500 Co-op Points

NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 3 Years
$0
3.70% ▲ 1.39% above Massachusetts avg
View
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.39% above avgNationally 2.66%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
36-Month Traditional/Roth IRA CD
$500
3.56% ▲ 1.25% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.25% above avgNationally 2.66%
Details

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 months
$0
3.56% ▲ 1.25% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.25% above avgNationally 2.66%
Details

Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Year CD
$0
3.55% ▲ 1.24% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.66%
Details

Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month
$1,000
3.55% ▲ 1.24% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.66%
Details

Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Term Certificates (CDs) & IRAs - 36 Month
$0
3.51% ▲ 1.20% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.20% above avgNationally 2.66%
Details

Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
3 years
$0
3.50% ▲ 1.19% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.19% above avgNationally 2.66%
Details

Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
IRA Certificate 3 years
$0
3.50% ▲ 1.19% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.19% above avgNationally 2.66%
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
3 years
$0
3.50% ▲ 1.19% above Massachusetts avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.19% above avgNationally 2.66%
Details

1x Bump Up

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 36 Month
$100,000
3.50% ▲ 1.19% above Massachusetts avg
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.19% above avgNationally 2.66%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 3 years
$500
3.45% ▲ 1.14% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.14% above avgNationally 2.66%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month Fixed
$0
3.45% ▲ 1.14% above Massachusetts avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.14% above avgNationally 2.66%
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Year IRA
$500
3.45% ▲ 1.14% above Massachusetts avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.14% above avgNationally 2.66%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36 Months
$500
3.45% ▲ 1.14% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.14% above avgNationally 2.66%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
IRA Certificates 36 Months
$500
3.45% ▲ 1.14% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.14% above avgNationally 2.66%
Details

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 36 month fixed
$0
3.35% ▲ 1.04% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.04% above avgNationally 2.66%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 36 month variable
$0
3.35% ▲ 1.04% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.04% above avgNationally 2.66%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
36 Months
$1,000
3.34% ▲ 1.03% above Massachusetts avg
View
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 1.03% above avgNationally 2.66%
Details

Penalty: 120 Days Interest

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 Month
$1,000
3.30% ▲ 0.99% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.99% above avgNationally 2.66%
Details

Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
36 Months
$0
3.30% ▲ 0.99% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.99% above avgNationally 2.66%
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
36 Month Step Up Certificate, Year 1
$0
3.30% ▲ 0.99% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.99% above avgNationally 2.66%
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
36 Month Step Up Certificate, Year 2
$0
3.30% ▲ 0.99% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.99% above avgNationally 2.66%
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
36 Month Step Up Year 1
$0
3.30% ▲ 0.99% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.99% above avgNationally 2.66%
Details

Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
36 Month Step Up Year 2
$0
3.30% ▲ 0.99% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.99% above avgNationally 2.66%
Details

Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 month
$500
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

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

Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Month Fixed Rate CD
$0
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month
$500
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
36 Months
$1,000
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 months
$0
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business 36 months
$0
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
36 Month CD
$500
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
36-Month CD
$500
3.25% ▲ 0.94% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.66%
Details

Hanson 48 Month CD Rates

Massachusetts 48 Month CD Average2.44% APYNational 2.66%▲ 0.14% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4 Years
$0
4.15% ▲ 1.71% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.71% above avgNationally 2.66%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month
$0
4.00% ▲ 1.56% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.56% above avgNationally 2.66%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month Share Certificate
$1,000
4.00% ▲ 1.56% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.56% above avgNationally 2.66%
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
4 year CD
$500
3.87% ▲ 1.43% above Massachusetts avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.43% above avgNationally 2.66%
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
48 month Certificate
$0
3.85% ▲ 1.41% above Massachusetts avg
View
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.41% above avgNationally 2.66%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
48 Month Certificate
$0
3.81% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.37% above avgNationally 2.66%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
48 Month IRA Certificate
$0
3.81% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.37% above avgNationally 2.66%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
48-Month Traditional/Roth IRA CD
$50,000
3.76% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.32% above avgNationally 2.66%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
48 Month Fixed
$0
3.76% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.32% above avgNationally 2.66%
Details

With 2,500 Co-op Points

NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 4 Years
$0
3.75% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.31% above avgNationally 2.66%
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
48 Month
$200
3.75% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.31% above avgNationally 2.66%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
48-Month Traditional/Roth IRA CD
$500
3.61% ▲ 1.17% above Massachusetts avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.17% above avgNationally 2.66%
Details

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 months
$0
3.56% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.12% above avgNationally 2.66%
Details

Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Term Certificates (CDs) & IRAs - 48 Month
$0
3.51% ▲ 1.07% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.07% above avgNationally 2.66%
Details

Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
IRA Certificate 4 years
$0
3.50% ▲ 1.06% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.66%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
48 Month Fixed
$0
3.50% ▲ 1.06% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.66%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.50% ▲ 1.06% above Massachusetts avg
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.66%
Details

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
48 Months
$1,000
3.35% ▲ 0.91% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.91% above avgNationally 2.66%
Details

Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month
$1,000
3.29% ▲ 0.85% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.85% above avgNationally 2.66%
Details

Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 Month Fixed Rate CD
$0
3.25% ▲ 0.81% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.66%
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month
$500
3.25% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.66%
Details

StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
48 months
$0
3.25% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.66%
Details

StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business 48 months
$0
3.25% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.66%
Details

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
48 Month CD
$500
3.25% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.66%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.25% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.66%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Certificates & Individual Retirement Accounts - 48 Month
$500
3.25% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.66%
Details

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4 Year Certificate of Deposit
$1,000
3.15% ▲ 0.71% above Massachusetts avg
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.71% above avgNationally 2.66%
Details

Open 4 Year CD Online

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4 Year IRA Certificate of Deposit
$250
3.15% ▲ 0.71% above Massachusetts avg
View
▼
Rate3.10%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.71% above avgNationally 2.66%
Details

Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Month
$0
3.14% ▲ 0.70% above Massachusetts avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.70% above avgNationally 2.66%
Details

Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month CD
$500
3.05% ▲ 0.61% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.61% above avgNationally 2.66%
Details

Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Business 48 Month CD
$0
3.05% ▲ 0.61% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.61% above avgNationally 2.66%
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Term Certificate
$0
3.05% ▲ 0.61% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.61% above avgNationally 2.66%
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 Month
$1,000
3.04% ▲ 0.60% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.60% above avgNationally 2.66%
Details

Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Months
$0
3.04% ▲ 0.60% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.60% above avgNationally 2.66%
Details

Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month
$1,000
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Open an Account at Any Location

Bay State Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
48-month
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month CD
$0
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificate 48 Month
$0
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
4-Year
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
48 Month CD
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
48 Month IRA CD
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

**

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Business 48 Month CD
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
4 Year IRA CD
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
4 Year
$0
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month IRA Certificate
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
48 Month Term Share Certificate / Term Share IRA
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48 month
$0
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificate Of Deposit - 48 month
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
48 Month IRA Certificate
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month
$500
3.00% ▲ 0.56% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.44%▲ 0.56% above avgNationally 2.66%
Details

Hanson 60 Month CD Rates

Massachusetts 60 Month CD Average2.23% APYNational 2.76%▼ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
470 Liberty St, Hanson, MA 02341
5-Year CD
$1,000
2.00% ▼ 0.23% below Massachusetts avg
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▼ 0.23% below avgNationally 2.76%
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Years
$0
4.15% ▲ 1.92% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.92% above avgNationally 2.76%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
60 Month
$0
4.00% ▲ 1.77% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.77% above avgNationally 2.76%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
60 Month Share Certificate
$1,000
4.00% ▲ 1.77% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.77% above avgNationally 2.76%
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5 year CD
$500
3.87% ▲ 1.64% above Massachusetts avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.64% above avgNationally 2.76%
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
60 month Certificate
$0
3.85% ▲ 1.62% above Massachusetts avg
View
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.62% above avgNationally 2.76%
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
60 month IRA Certificate
$0
3.85% ▲ 1.62% above Massachusetts avg
View
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.62% above avgNationally 2.76%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 Month Certificate
$0
3.81% ▲ 1.58% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.58% above avgNationally 2.76%
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 Month IRA Certificate
$0
3.81% ▲ 1.58% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.58% above avgNationally 2.76%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
60 Month Fixed
$0
3.81% ▲ 1.58% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.58% above avgNationally 2.76%
Details

With 2,500 Co-op Points

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
60-Month Traditional/Roth IRA CD
$50,000
3.76% ▲ 1.53% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.53% above avgNationally 2.76%
Details

NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 5 Years
$0
3.75% ▲ 1.52% above Massachusetts avg
View
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.52% above avgNationally 2.76%
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
60 Month
$200
3.75% ▲ 1.52% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.52% above avgNationally 2.76%
Details

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 months
$0
3.71% ▲ 1.48% above Massachusetts avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.48% above avgNationally 2.76%
Details

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
60-Month Traditional/Roth IRA CD
$500
3.61% ▲ 1.38% above Massachusetts avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.38% above avgNationally 2.76%
Details

600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
5 year CD
$0
3.60% ▲ 1.37% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.37% above avgNationally 2.76%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
60 Month "Bump-up"
$0
3.55% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.32% above avgNationally 2.76%
Details

With 2,500 Co-op Points

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
60 Month Fixed
$0
3.55% ▲ 1.32% above Massachusetts avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.32% above avgNationally 2.76%
Details

Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Term Certificates (CDs) & IRAs - 60 Month
$0
3.51% ▲ 1.28% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.28% above avgNationally 2.76%
Details

Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
5 years
$0
3.50% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.27% above avgNationally 2.76%
Details

Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
IRA Certificate 5 years
$0
3.50% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.27% above avgNationally 2.76%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.50% ▲ 1.27% above Massachusetts avg
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.27% above avgNationally 2.76%
Details

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60 Months
$1,000
3.45% ▲ 1.22% above Massachusetts avg
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.22% above avgNationally 2.76%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 5 years
$500
3.40% ▲ 1.17% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.17% above avgNationally 2.76%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 60 month fixed
$0
3.35% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.12% above avgNationally 2.76%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA 60 month variable
$0
3.35% ▲ 1.12% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.12% above avgNationally 2.76%
Details

Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60 Months
$500
3.35% ▲ 1.12% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.12% above avgNationally 2.76%
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
IRA Certificates 60 Months
$500
3.35% ▲ 1.12% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.12% above avgNationally 2.76%
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month Term Certificate
$0
3.30% ▲ 1.07% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.07% above avgNationally 2.76%
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
5 years
$0
3.29% ▲ 1.06% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.06% above avgNationally 2.76%
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
60 Month "Bump-up"
$0
3.29% ▲ 1.06% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.06% above avgNationally 2.76%
Details

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

Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 Month CD
$500
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Business 60 Month CD
$0
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
60 month
$500
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

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

Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
60 Month Fixed Rate CD
$0
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
60 Month
$500
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
60 months
$0
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business 60 months
$0
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
60 Month CD
$500
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
60-Month CD
$500
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Relationship Certificates & Individual Retirement Accounts - 60 Month
$500
3.25% ▲ 1.02% above Massachusetts avg
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 1.02% above avgNationally 2.76%
Details

Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
60 Month
$0
3.14% ▲ 0.91% above Massachusetts avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.91% above avgNationally 2.76%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term
$0
3.10% ▲ 0.87% above Massachusetts avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.87% above avgNationally 2.76%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard CDs
$0
3.10% ▲ 0.87% above Massachusetts avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.87% above avgNationally 2.76%
Details

Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard CDs Rewards
$0
3.10% ▲ 0.87% above Massachusetts avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.87% above avgNationally 2.76%
Details

Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard IRA CDs
$0
3.10% ▲ 0.87% above Massachusetts avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.87% above avgNationally 2.76%
Details

Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard IRA CDs Rewards
$0
3.10% ▲ 0.87% above Massachusetts avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.87% above avgNationally 2.76%
Details

Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Standard IRA CDs 60-month term
$0
3.10% ▲ 0.87% above Massachusetts avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.87% above avgNationally 2.76%
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 Month
$1,000
3.04% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Massachusetts Average2.23%▲ 0.81% above avgNationally 2.76%
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Hanson, Massachusetts Institutions

Highest verified APYs available today — updated August 29, 2026

B Top 5 Bank Rates
Rockland Trust
6-Month CD
A+ 5.0 ★ TX: 1.37%
Min: $1,000
2.75%
Middlesex Federal Savings
IRA 18 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.50%
Min: $100
5.21%
Happen Bank
Consumer Certificate of Deposit - 2 years
A 5.0 ★ TX: 6.13%
Min: $500
4.40%
USALLIANCE
24 Month Certificate
B 4.5 ★ TX: 6.66%
Min: $0
4.25%
Leader Bank
12 Months
A+ 5.0 ★ TX: 0.18%
Min: $0
4.15%
CU Top 5 Credit Union Rates
Plymouth County Teachers Federal Credit Union
12-Month Traditional/Roth IRA CD
A 5.0 ★ TX: 10.09%
Min: $100,000
4.33%
Workers Federal Credit Union
12 Months
A 5.0 ★ TX: 8.41%
Min: $0
4.23%
Align Credit Union
1.5 Year CD
A 5.0 ★ TX: 10.60%
Min: $500
4.10%
River Works Credit Union
6 Month CD
A 5.0 ★ TX: 7.46%
Min: $500
4.07%
Service Federal Credit Union
12 Months
A 5.0 ★ TX: 10.17%
Min: $500
4.00%
Rates verified August 29, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Hanson, MA CD Rate Trends

Compare local Hanson, MA CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Massachusetts CD Trends
12-Month CD — MA Avg
2.392%
▼ 0.087 vs 7 days ago

Massachusetts 12-month CD rates fell 0.087 points over the past 7 days to 2.392% APY.

6-Month CD — MA Avg
2.532%
▼ 0.015 vs 7 days ago

Massachusetts 6-month CD rates fell 0.015 points over the past 7 days to 2.532% APY.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

MA CD Rate Forecast — Next 12 Months

Where are Massachusetts CD rates headed through August 2027?

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

MA 12-Month Avg APY
2.392%
6-Month Forecast
2.392%
Range: 2.19% – 2.54%
12-Month Forecast
2.142%
Range: 1.94% – 2.29%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Massachusetts average 12-month CD APY in our database.

Spread model: The Massachusetts 12-month CD average currently trades 1.98% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at MA CD Rates Today

Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.

CD Term MA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.874% $93.71 $187.41 $468.53 $937.05
6-Month CD 2.532% $126.61 $253.22 $633.05 $1,266.10
12-Month CD 2.392% $119.62 $239.24 $598.10 $1,196.20
18-Month CD 2.449% $122.46 $244.91 $612.28 $1,224.55
24-Month CD 2.283% $114.13 $228.25 $570.63 $1,141.25
36-Month CD 2.310% $115.52 $231.04 $577.60 $1,155.20
48-Month CD 2.437% $121.83 $243.65 $609.13 $1,218.25
60-Month CD 2.229% $111.46 $222.91 $557.28 $1,114.55
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 29, 2026.

Sample CD Ladder for Hanson, Massachusetts Savers

$25,000 split equally across 5 terms using today’s Massachusetts average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit MA Avg APY Annual Earnings
1 3-Month CD $5,000 1.874% $93.71
2 6-Month CD $5,000 2.532% $126.61
3 12-Month CD $5,000 2.392% $119.62
4 24-Month CD $5,000 2.283% $114.13
5 36-Month CD $5,000 2.310% $115.52
Total ($25,000 invested) $25,000 2.278% blended $569.59/yr

Ladder example uses equal $5,000 rungs and Massachusetts average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,081
CD Rates
Tracked in Hanson, Massachusetts
65 Banks 59 Credit Unions

About Our Hanson, Massachusetts CD Rate Database

MonitorBankRates tracks 1,081 CD rates from 65 banks and 59 credit unions with locations in Hanson, Massachusetts, plus national online institutions available to Massachusetts residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: Rockland Trust offers a CD at 2.75% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Hanson, Massachusetts.

How to Find the Best CD Rates in Hanson, Massachusetts

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

To find the best APYs in Hanson, Massachusetts, start with credit unions and online-only banks — Hanson, Massachusetts has 59 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 Hanson, 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 Hanson, Massachusetts — 124 institutions here report CD rates

Consider an Alternative If…

Hanson, Massachusetts Financial Snapshot

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

Population 65+
19.7%
National avg: 17.3%
Median Individual Earnings
$45,893
National avg: $47,340
Poverty Rate
3.2%
National avg: 11.1%
Unemployment Rate
9.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$110/yr
At MA 12-mo avg 2.392% APY

19.7% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 9.1% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MA 12-month CD average of 2.392%, saving 10% of the local median salary ($4,589/year) and putting it in a CD would earn an additional $110 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 Hanson, Massachusetts

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Hanson, Massachusetts

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Hanson, 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 Hanson, Massachusetts as everywhere in the U.S.

Choosing a CD Term in Hanson, Massachusetts

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Hanson, Massachusetts savers easier access to their funds. For example, Rockland Trust is offering its 6-Month CD at 2.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Rockland Trust is offering its 5-Year CD at 2.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Hanson, Massachusetts Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Hanson, Massachusetts saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Hanson, Massachusetts

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Hanson, Massachusetts CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Hanson, Massachusetts

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

Are CD rates in Hanson, Massachusetts FDIC insured?

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

Here are recent top rates found for this area:
  • Rockland Trust: 2.75% APY (6-Month CD)
  • Middlesex Federal Savings: 5.21% APY (IRA 18 Month Variable Rate Certificate)
  • Happen Bank: 4.40% APY (Consumer Certificate of Deposit - 2 years)
  • Plymouth County Teachers Federal Credit Union: 4.33% APY (12-Month Traditional/Roth IRA CD)
  • USALLIANCE: 4.25% APY (24 Month Certificate)
  • Workers Federal Credit Union: 4.23% APY (12 Months)
  • Leader Bank: 4.15% APY (12 Months)
  • Walpole Co-operative Bank: 4.10% APY (6 Month Certificate)
  • Winchester Co-operative Bank: 4.10% APY (24 Month IRA TDC)
  • Align Credit Union: 4.10% APY (1.5 Year CD)
Rates reflect recent verified offers available in Hanson, Massachusetts. Last Updated: August 29, 2026

Hanson, 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 Hanson, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Hanson, Massachusetts CD Rates by Term

Verified August 29, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Hanson, Massachusetts. Averages shown use the Massachusetts state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Hanson, Massachusetts

Hanson, Massachusetts CD Calculator

At today’s MA top rate of 2.75% APY, a $10,000 deposit earns $275 in the first year. Enter your amount to see your exact return.

Hanson, Massachusetts CD Ladder

MA CD rates currently range from 1.874% (3-month) to 2.310% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Hanson, Massachusetts CD at 2.75% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Massachusetts’s average 12-month CD is 2.392% 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 Hanson, 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 Hanson, 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 Hanson, Massachusetts. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: August 29, 2026

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