Plainville, Massachusetts Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Plainville, Massachusetts CD rates include Bluestone BankBluestone Bank3 Taunton St, Plainville, MA 02762A5.0 ★Texas Ratio: 9.41%Real return: +0.45%APY minus CPI (February 2026) offering 24 Month Fixed Rate CD at 3.25% APY, Dedham Institution for SavingsDedham Institution for SavingsA5.0 ★Texas Ratio: 10.91%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month CD at 5.00% APY, Happen BankHappen BankA+5.0 ★Texas Ratio: 4.05%Real return: +1.60%APY minus CPI (February 2026) offering 2 Year Consumer Certificate of Deposit at 4.40% APY, USALLIANCEUSALLIANCEA5.0 ★Texas Ratio: 7.14%Real return: +1.56%APY minus CPI (February 2026) offering 12 Month Certificate at 4.36% APY, and Marcus BankMarcus BankA+5.0 ★Texas Ratio: 4.32%Real return: +1.55%APY minus CPI (February 2026) offering 18 Month CD at 4.35% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Plainville has 8 local institutions in our database, with CD rates as high as 3.25% APY from Bluestone Bank at 3 Taunton St, Plainville, MA 02762. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026
Compare Best CD Rates in Plainville, Massachusetts & the Surrounding Area
Plainville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3 Month Certificate of Deposit
$500
3.90%
▲ 1.86% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.86% above avg
Details
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
3 Month SPECIAL Certificate of Deposit
$0
3.85%
▲ 1.81% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.81% above avg
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
Share Certificates - 3 months
$500
3.75%
▲ 1.71% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
IRA: 3.80%
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
3 month CD
$500
3.75%
▲ 1.71% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.61% above avg
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
3 Month Premium Certificate
$50,000
3.65%
▲ 1.61% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.61% above avg
Details
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.51% above avg
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
3 Month Certificate
$500
3.55%
▲ 1.51% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.51% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
3 Month Certificate
$0
3.50%
▲ 1.46% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.46% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
3 Month Term Certificate
$1,000
3.50%
▲ 1.46% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.46% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 3 Month
$1,000
3.50%
▲ 1.46% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.46% above avg
Details
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3-Month CD
$1,000
3.35%
▲ 1.31% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.31% above avg
Details
Rate guaranteed for the length of the term.
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CD
$500
3.25%
▲ 1.21% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 1.21% above avg
Details
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 3 Month CD
$500
3.25%
▲ 1.21% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 1.21% above avg
Details
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Term Share Certificate - 3 Months
$500
3.25%
▲ 1.21% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Certificates
$1,000
3.25%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificates - 3 Months
$1,000
3.25%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
3 Months High Yield
$500
3.10%
▲ 1.06% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details
New Money Only: No; May be used for Traditional and Roth accounts: No
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
3 Month Certificate
$1,000
3.00%
▲ 0.96% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 0.96% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
3 Month Certificate
$0
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month CD
$500
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3 Month Certificates of Deposit
$0
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
3 Month Certificate
$0
2.79%
▲ 0.75% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.75% above avg
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3 Month Certificate
$1,000
2.75%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
IRA Certificate Of Deposit - 3 month
$500
2.75%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month Certificate
$500
2.75%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA Certificates - 3 Months
$500
2.75%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
South Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month CD or IRA
$0
2.53%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▲ 0.49% above avg
Details
South Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Business 3 Month CD
$0
2.53%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▲ 0.49% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 month CD
$2,500
2.20%
▲ 0.16% above national avg
▼
Rate2.20%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.16% above avg
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Month Term Certificate
$0
1.95%
▼ 0.09% below national avg
▼
Rate1.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.09% below avg
Details
Easthampton Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3 Month Certificate of Deposit
$1,000
1.50%
▼ 0.54% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▼ 0.54% below avg
Details
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
3 Month Certificate of Deposit
$1,000
1.50%
▼ 0.54% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.54% below avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month Certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month IRA Certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
TD Choice CD 3 Month
$250
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Non-Promotional APY
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
IRA Certificates - 3 Months
$1,000
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
90 Days Fixed
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Dividend Rate with 2,500 Co-op Points: 1.25%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 1.25%
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Business 90 Days
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Dividend Rate with 2,500 Co-op Points: 1.25%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 1.25 %
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
IRA Share Certificates - 3 Months
$500
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3 Month Certificate
$2,500
0.95%
▼ 1.09% below national avg
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▼ 1.09% below avg
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3 Month Certificate
$0
0.76%
▼ 1.28% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.28% below avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Certificates & Individual Retirement Accounts - 3 Month
$500
0.65%
▼ 1.39% below national avg
▼
Rate0.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.39% below avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
0.65%
▼ 1.39% below national avg
▼
Rate0.64%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.39% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
3-month term
$0
0.60%
▼ 1.44% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.44% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Standard CDs - 3-month term
$0
0.60%
▼ 1.44% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.44% below avg
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 Month CD/IRA
$500
0.50%
▼ 1.54% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Certificates & Individual Retirement Accounts - 3 Month
$500
0.50%
▼ 1.54% below national avg
▼
Rate0.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
0.50%
▼ 1.54% below national avg
▼
Rate0.49%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
Plainville 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
6 Month Fixed Rate CD
$0
0.10%
▼ 2.65% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 2.65% below avg
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
6 Month CD
$1,000
5.00%
▲ 2.25% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 2.25% above avg
Details
Limited time offer. Converts to a standard 6 Month CD at renewal.
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Consumer Certificate of Deposit
$500
4.20%
▲ 1.45% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.45% above avg
Details
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Month Certificate
$2,500
4.10%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 1.35% above avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Business 6 Month Certificate
$2,500
4.10%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 1.35% above avg
Details
River Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
6 Month Certificate of Deposit
$500
4.07%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.32% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6 Month IRA Certificate - Tier 1
$500
4.04%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.29% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6 Month IRA Certificate - Tier 2
$25,000
4.04%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.29% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificate - 6 Month
$500
4.04%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.29% above avg
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share/IRA Certificates - 6 months
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 months High-Yield CD
$500
3.95%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
6 Month Certificate
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
6 month CD
$500
3.87%
▲ 1.12% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.12% above avg
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month CD/IRA
$500
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6 Month Certificate
$1,000
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificate
$500
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
6 Month CD
$1,000
3.81%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.06% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Certificate
$1,000
3.76%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.01% above avg
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate - 6 months ($100,000+)
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details
Jumbo rates apply for deposits of $100,000 or more. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account , the APY will be 0.10% lower.
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate - 6 months ($100,000.00)
$250
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details
New Money Only. Jumbo rates apply for deposits of $100,000 or more.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
Jumbo Certificates - 6 months
$50,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
IRA: 3.80%
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6 Month Business Certificates of Deposit
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6 Month Business SEP IRA Certificates
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6 Month CD
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6 Month IRA CD
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Business 6 Month CD
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Business SEP 6 Month IRA CD
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
SEP (Simplified Employee Pension) IRA Certificates
HTM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
6 Month Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA Certificates - 6 Months
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate
$250
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 0.95% above avg
Details
New Money Only. Jumbo rates apply for deposits of $100,000 or more.
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Traditional 6 Month IRA CD
$0
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.91% above avg
Details
Traditional and Roth IRA CD Rates
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6 Month Certificate
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6 Month IRA Certificate
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
6 Month Certificate of Deposit
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
IRA Certificate of Deposit - 6 Month
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Certificates & Individual Retirement Accounts - 6 Month
$500
3.65%
▲ 0.90% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 6 Month
$100,000
3.65%
▲ 0.90% above national avg
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
6 Month Premium Certificate
$50,000
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Month Certificate
$500
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificate - 6 Months
$500
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
ACU Athol Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Certificate (CDs) / IRA - 6 Month - $500
$0
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.86% above avg
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
6 Month Certificate
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share/IRA Certificates - 6 months
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month Share Certificate of Deposit
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Month Certificate
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Month IRA Certificate
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6 Month CD
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.80% above avg
Details
LIMITED TIME ONLY
Plainville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
12 Month Fixed Rate CD
$0
0.15%
▼ 2.77% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 2.77% below avg
Details
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
12 Month Certificate
$0
4.36%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.44% above avg
Details
Special Rate
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month CD
$100,000
4.33%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.41% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month Traditional/Roth IRA CD
$100,000
4.33%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.41% above avg
Details
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
Premium 12 months
$500
4.30%
▲ 1.38% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.92%▲ 1.38% above avg
Details
Must Open In-Branch
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month CD
$500
4.18%
▲ 1.26% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.26% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Share Certificates and IRA Share Certificates - 1 Year
$0
4.10%
▲ 1.18% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
12 Month Certificate
$0
4.08%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.16% above avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
1 Year Certificate
$1,000
4.05%
▲ 1.13% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 1.13% above avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Business 1 Year Certificate
$1,000
4.05%
▲ 1.13% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 1.13% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1 Year CD
$500
4.05%
▲ 1.13% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1 Year IRA CD
$500
4.05%
▲ 1.13% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
12 Month Business Certificates of Deposit
$500
4.05%
▲ 1.13% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
12 Month Business SEP IRA Certificates
$500
4.05%
▲ 1.13% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
12 Month Certificates of Deposit
$500
4.05%
▲ 1.13% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Business 1 Year CD
$500
4.05%
▲ 1.13% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Business SEP 1 Year IRA CD
$500
4.05%
▲ 1.13% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
SEP (Simplified Employee Pension) IRA Certificates
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
1 Year Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
12 Month Student Saver Certificate
$100
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share/IRA Certificates - 12 months
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
SHARE CERTIFICATES - 12 Month
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
3.90%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
12 Month Certificate
$500
3.90%
▲ 0.98% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.92%▲ 0.98% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Certificate
$1,000
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 Month Certificate
$0
3.85%
▲ 0.93% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
12 Month Certificate
$500
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
12 Month Certificate
$500
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.90% above avg
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
12 Month IRA
$1,000
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.90% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12 Month Certificate
$0
3.81%
▲ 0.89% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.89% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12 Month IRA Certificate
$0
3.81%
▲ 0.89% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.89% above avg
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Term Certificate
$0
3.81%
▲ 0.89% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.89% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1 year CD
$2,500
3.80%
▲ 0.88% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Month IRA Certificate - Tier 1
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 0.83% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Month IRA Certificate - Tier 2
$25,000
3.75%
▲ 0.83% above national avg
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 0.83% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificate - 12 Month
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 0.83% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12 Month Term Certificate
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.83% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
IRA Certificates - 12 Month
$0
3.75%
▲ 0.83% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.83% above avg
Details
*Rates are variable and may change after the account is opened. Rate subject to change without notice. Fees may reduce earnings.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 12 Month
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.83% above avg
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
Jumbo Certificates - 12 months
$50,000
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
IRA: 3.80%
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Term Share Certificate - 12 Months
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1 year CD
$0
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
LIMITED TIME ONLY
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month CD/IRA
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
12 month CD
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Certificates
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificates - 12 Months
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
City of Boston Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
12 Months Share Certificate
$0
3.75%
▲ 0.83% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
1 Year Certificate
$0
3.70%
▲ 0.78% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.78% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 1 Year
$0
3.70%
▲ 0.78% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.78% above avg
Details
Plainville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
18 Month Fixed Rate CD
$0
3.00%
▲ 0.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.18% above avg
Details
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
18 Month IRA CD
$200
3.00%
▲ 0.18% above national avg
▼
Rate—
Min Deposit$200
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.18% above avg
Details
Variable Rate. Annual Percentage Yield subject to change after the account has been opened.
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
4.35%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.53% above avg
Details
10-Day CD Rate Guarantee
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.35%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.53% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1.5 Year Business SEP IRA Certificates
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1.5 Year CD
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1.5 Year IRA CD
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
18 Month Business Certificates of Deposit
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Business 1.5 Year CD
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Business SEP 1.5 Year IRA CD
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
SEP (Simplified Employee Pension) IRA Certificates
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18-Month CD
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.20% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18-Month Traditional/Roth IRA CD
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.20% above avg
Details
Easthampton Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
18 Month Certificate of Deposit
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 1.18% above avg
Details
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
18 Month Certificate of Deposit
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
I.R.A. Certificates - 18 Month
$200
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
18 Month Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA Certificates - 18 Months
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Requires a qualifying checking account.
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18-Month M&T Select CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Month Certificate
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
18 Month Certificate
$0
3.81%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.99% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
18 Month IRA Certificate
$0
3.81%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.99% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
18 month CD
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18 Month Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.88% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 18 Months
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.88% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.70%
▲ 0.88% above national avg
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term - 18 months
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
18 Month Certificate
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.78% above avg
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
18 Month Certificate
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
New Money Only: No; May be used for Traditional and Roth accounts: Yes
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Certificate
$1,000
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.74% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Month Certificate
$500
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificate - 18 Months
$500
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.82%▲ 0.68% above avg
Details
Open an Account at Any Location
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Consumer Certificate of Deposit
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month IRA Certificate - Tier 1
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.68% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month IRA Certificate - Tier 2
$25,000
3.50%
▲ 0.68% above national avg
▼
Rate3.47%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.68% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificate - 18 Month
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.68% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
18 Month Term Certificate
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.68% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
IRA Certificates - 18 Month
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.68% above avg
Details
*Rates are variable and may change after the account is opened. Rate subject to change without notice. Fees may reduce earnings.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 18 Month
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.68% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
18 month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
Jumbo Certificates - 18 months
$50,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
IRA: 3.55%
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
18 Month CD/IRA
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Business Certificates of Deposit - 18 Months
$250
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
SPECIAL OFFER
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Certificates of Deposit - 18 Months
$250
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
SPECIAL OFFER
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Term Certificates (CDs) & IRAs - 18 Month
$0
3.46%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.64% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.45%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.63% above avg
Details
Plainville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
24 Month Fixed Rate CD
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.41% above avg
Details
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2 Year Consumer Certificate of Deposit
$500
4.40%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.56% above avg
Details
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.35%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.51% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
24 Month Certificate
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA Certificates - 24 Months
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Certificate
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.23% above avg
Details
BankGloucester
Institution Rating:
C-3.7 ★Texas Ratio: 30.61%
24 Month CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Compounding Frequency: Monthly
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Term Share Certificate - 24 Months
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month CD
$50,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.13% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month Traditional/Roth IRA CD
$50,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.13% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
2 year CD
$500
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 year CD
$2,500
3.85%
▲ 1.01% above national avg
▼
Rate3.85%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month Share Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.01% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
24 Month Certificate
$0
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.97% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
24 Month IRA Certificate
$0
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.97% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month Traditional/Roth IRA CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
24 month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
24 Month Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
I.R.A. Certificates - 24 Month
$200
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
24-Month Save For Success Hybrid Share Certificate
$25
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$25
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Maximum opening deposit $1,000. Transfer In Up To $1,000 Each Month. Membership & Worcester Credit Union checking account required to open & for transfers. Automatic transfers set up at account opening & can be adjusted during the Term. Early withdrawal penalty applies. Fees may reduce earnings.
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2 Year Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 0.86% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 2 Years
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 0.86% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month
$100,000
3.70%
▲ 0.86% above national avg
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
24-Month CD
$500
3.67%
▲ 0.83% above national avg
▼
Rate3.61%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.83% above avg
Details
Tier 1: $500-$24,999.99; Tier 2: $25,000 or more
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Business Certificates of Deposit - 24 Months
$250
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
SPECIAL OFFER
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Certificates of Deposit - 24 Months
$250
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
SPECIAL OFFER
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
24 Month (jumbo) Share Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
24 Month Jumbo Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2 Year Certificate
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 Month Certificate
$1,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
24 Month CD
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
24 Month Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificate - 24 Months
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
24 Month Certificate
$0
3.51%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.67% above avg
Details
Open an Account at Any Location
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Term Certificates (CDs) & IRAs - 24 Month
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.67% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month IRA Certificate - Tier 1
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.66% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month IRA Certificate - Tier 2
$25,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.66% above avg
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificate - 24 Month
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.66% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
2 Year Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
24 Month Term Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.66% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 24 Month
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.66% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
24 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month
$100,000
3.45%
▲ 0.61% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Certificates & Individual Retirement Accounts - 24 Month
$500
3.45%
▲ 0.61% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
SHARE CERTIFICATES - 24 Month
$500
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
24 Month Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.56% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.60%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.66%
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
24 Month Fixed
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.56% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.60%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.66%
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Certificates
$1,000
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.51% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificates - 24 Months
$1,000
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.51% above avg
Details
Plainville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
36 Month Fixed Rate CD
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.35%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.58% above avg
Details
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Term Share Certificate - 36 Months
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36 Month Certificate
$500
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.30% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
3 year CD
$500
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.10% above avg
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
3 Year Certificate
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
36 Month Certificate
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.04% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
36 Month IRA Certificate
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.04% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
36 month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
36 month IRA Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
IRA Certificate
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 year CD
$2,500
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
36 Month Term Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.98% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 36 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.98% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
36-Month CD
$50,000
3.75%
▲ 0.98% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
36-Month Traditional/Roth IRA CD
$50,000
3.75%
▲ 0.98% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
36 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
I.R.A. Certificates - 36 Month
$200
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
3 Year Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 0.93% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 3 Years
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 0.93% above avg
Details
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Business Certificates of Deposit - 36 Months
$250
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
SPECIAL OFFER
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Certificates of Deposit - 36 Months
$250
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
SPECIAL OFFER
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
36 Month (jumbo) Share Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
36 Month Jumbo Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
36-Month CD
$500
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
36-Month Traditional/Roth IRA CD
$500
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 Month Certificate
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
36 Month CD
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Term Certificates (CDs) & IRAs - 36 Month
$0
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.74% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.73% above avg
Details
1x Bump Up
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
36 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 36 Month
$100,000
3.50%
▲ 0.73% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Year Consumer Certificate of Deposit
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. 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: 7.37%
36 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.65%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.71%
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
36 Month Fixed
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.65%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.71%
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
36 Month Certificate
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA Certificates - 36 Months
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 Month Certificate
$1,000
3.34%
▲ 0.57% above national avg
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.57% above avg
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificate - 36 Months
$1,000
3.34%
▲ 0.57% above national avg
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.57% above avg
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
36 Month Certificate - 36 months ($100,000+)
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.53% above avg
Details
Jumbo rates apply for deposits of $100,000 or more. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account , the APY will be 0.10% lower.
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
36 Month Certificate - 36 months ($100,000.00)
$250
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.53% above avg
Details
New Money Only. Jumbo rates apply for deposits of $100,000 or more.
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
36 Month Share Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month Step Up Certificate, Year 1
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
Year 1 rate
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month Step Up Certificate, Year 2
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
Year 2 rate
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month Step Up Year 1
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month Step Up Year 2
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
36 Month Certificate
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.77%▲ 0.48% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month Certificate of Deposit
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month IRA Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
3 Year Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details
Plainville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
48 Month Fixed Rate CD
$0
3.25%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.35%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.57% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 Month Certificate
$1,000
4.10%
▲ 1.32% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.32% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
48 Month Term Certificate
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 48 Month
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
4 year CD
$500
3.87%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.09% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
48 month Certificate
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
48 Month Certificate
$0
3.81%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.03% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
48 Month IRA Certificate
$0
3.81%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.03% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month CD
$50,000
3.76%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4 Year Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.97% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 4 Years
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.97% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
48 Month Certificate
$500
3.75%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
I.R.A. Certificates - 48 Month
$200
3.75%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month CD
$500
3.61%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.83% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month Traditional/Roth IRA CD
$500
3.61%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.83% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
48 Month (jumbo) Share Certificate
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
48 Month Jumbo Certificate
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4 year CD
$2,500
3.55%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Term Certificates (CDs) & IRAs - 48 Month
$0
3.51%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.73% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Certificate
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.70%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.76%
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Fixed
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.70%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.76%
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
48 Month Certificate
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.50%
▲ 0.72% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Certificate - 48 months ($100,000+)
$0
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.52% above avg
Details
Jumbo rates apply for deposits of $100,000 or more. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account , the APY will be 0.10% lower.
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Certificate - 48 months ($100,000.00)
$250
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.52% above avg
Details
New Money Only. Jumbo rates apply for deposits of $100,000 or more.
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
48 Month CD
$1,000
3.29%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.51% above avg
Details
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
48 Month Certificate
$500
3.25%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.78%▲ 0.47% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month Certificate of Deposit
$1,000
3.25%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month IRA Certificate
$0
3.25%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Certificate
$250
3.25%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.47% above avg
Details
New Money Only. Jumbo rates apply for deposits of $100,000 or more.
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.25%
▲ 0.47% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Certificates & Individual Retirement Accounts - 48 Month
$500
3.25%
▲ 0.47% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Certificates
$1,000
3.15%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.37% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificates - 48 Months
$1,000
3.15%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.37% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Traditional 48 Month IRA CD
$0
3.14%
▲ 0.36% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.36% above avg
Details
Traditional and Roth IRA CD Rates
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
48 Month CD
$500
3.05%
▲ 0.27% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.78%▲ 0.27% above avg
Details
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
Business 48 Month CD
$500
3.05%
▲ 0.27% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.78%▲ 0.27% above avg
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
48 Month Term Certificate
$0
3.05%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.27% above avg
Details
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
SHARE CERTIFICATES - 48 Month
$500
3.05%
▲ 0.27% above national avg
▼
Rate3.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.27% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Share Certificate of Deposit
$0
3.04%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.26% above avg
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
48 Month Certificate
$0
3.00%
▲ 0.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.78%▲ 0.22% above avg
Details
Open an Account at Any Location
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Share Certificates and IRA Share Certificates - 4 Year
$0
3.00%
▲ 0.22% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
48 Month Certificate
$500
3.00%
▲ 0.22% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Certificates - 48 Month
$500
3.00%
▲ 0.22% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month CD/IRA
$500
3.00%
▲ 0.22% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
48 Month Certificate
$1,000
3.00%
▲ 0.22% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
IRA Certificate Of Deposit - 48 month
$500
3.00%
▲ 0.22% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month CD
$500
3.00%
▲ 0.22% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Plainville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Taunton St, Plainville, MA 02762
60 Month Fixed Rate CD
$0
3.25%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.35%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.49% above avg
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 Month Certificate
$1,000
4.15%
▲ 1.29% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60 Month Term Certificate
$1,000
4.00%
▲ 1.14% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
IRA Certificates - 60 Month
$0
4.00%
▲ 1.14% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details
*Rates are variable and may change after the account is opened. Rate subject to change without notice. Fees may reduce earnings.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 60 Month
$1,000
4.00%
▲ 1.14% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
5 year CD
$500
3.87%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.01% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
60 month Certificate
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
60 month IRA Certificate
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
IRA Certificate
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
60 Month Certificate
$0
3.81%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.95% above avg
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
60 Month IRA Certificate
$0
3.81%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.95% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
60-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 0.90% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.90% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
5 Year Certificate
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.89% above avg
Details
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 5 Years
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.89% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
60 Month Certificate
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
I.R.A. Certificates - 60 Month
$200
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
60-Month CD
$500
3.61%
▲ 0.75% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.75% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
60-Month Traditional/Roth IRA CD
$500
3.61%
▲ 0.75% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.75% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month (jumbo) Share Certificate
$0
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month Jumbo Certificate
$0
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5 year CD
$2,500
3.55%
▲ 0.69% above national avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Certificate - 60 months ($100,000+)
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.69% above avg
Details
Jumbo rates apply for deposits of $100,000 or more. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account , the APY will be 0.10% lower.
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Certificate - 60 months ($100,000.00)
$250
3.55%
▲ 0.69% above national avg
▼
Rate3.49%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.69% above avg
Details
New Money Only. Jumbo rates apply for deposits of $100,000 or more.
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 Month Certificate
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.75%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.81%
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 Month Fixed
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.75%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.81%
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Term Certificates (CDs) & IRAs - 60 Month
$0
3.51%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.65% above avg
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Certificate
$250
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.64% above avg
Details
New Money Only. Jumbo rates apply for deposits of $100,000 or more.
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month Certificate
$0
3.50%
▲ 0.64% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.50%
▲ 0.64% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5 Year Consumer Certificate of Deposit
$500
3.40%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
60 Month Certificate
$500
3.35%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.49% above avg
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA Certificates - 60 Months
$500
3.35%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.49% above avg
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
60 Month Term Certificate
$0
3.30%
▲ 0.44% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.44% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
5 Year Certificate
$0
3.29%
▲ 0.43% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.43% above avg
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 Month "Bump-up"
$0
3.29%
▲ 0.43% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.43% above avg
Details
Dividend Rate with 2,500 Co-op Points: 3.50%; Annual Percentage Yield (APY) with 2,500 Co-op Points: 3.55%
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
60 Month Certificate
$500
3.25%
▲ 0.39% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.86%▲ 0.39% above avg
Details
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
60 Month CD
$500
3.25%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.86%▲ 0.39% above avg
Details
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
Business 60 Month CD
$500
3.25%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.86%▲ 0.39% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
60 Month Certificate of Deposit
$1,000
3.25%
▲ 0.39% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
60 Month IRA Certificate
$0
3.25%
▲ 0.39% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
60-Month CD
$500
3.25%
▲ 0.39% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
Tier 1: $500-$24,999.99; Tier 2: $25,000 or more
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month Certificates
$1,000
3.25%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificates - 60 Months
$1,000
3.25%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.25%
▲ 0.39% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Relationship Certificates & Individual Retirement Accounts - 60 Month
$500
3.25%
▲ 0.39% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Traditional 60 Month IRA CD
$0
3.14%
▲ 0.28% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.28% above avg
Details
Traditional and Roth IRA CD Rates
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
60-month term
$0
3.10%
▲ 0.24% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Standard CDs - 60-month term
$0
3.10%
▲ 0.24% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Standard IRA CDs - 60-month term
$0
3.10%
▲ 0.24% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.24% above avg
Details
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
SHARE CERTIFICATES - 60 Month
$500
3.05%
▲ 0.19% above national avg
▼
Rate3.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.19% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Plainville, MA CD Rate Trends
Compare local Plainville, MA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MA Avg
2.921%
▲ 0.081 vs 7 days ago
Massachusetts 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD MA Avg
2.746%
▲ 0.076 vs 7 days ago
Massachusetts 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MA CD Rate Forecast, Next 12 Months
Where are Massachusetts CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
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What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
Sample CD Ladder for Plainville, Massachusetts Savers
$25,000 split equally across 5 terms using today’s Massachusetts average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/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.
985
CD Rates
Tracked in Plainville, Massachusetts
Tracked in Plainville, Massachusetts
30 Banks
69 Credit Unions
About Our Plainville, Massachusetts CD Rate Database
MonitorBankRates tracks 985 CD rates from 30 banks and 69 credit unions with locations in Plainville, 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: Bluestone Bank offers a CD at 3.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Plainville, Massachusetts.
How to Find the Best CD Rates in Plainville, Massachusetts
What to compare when shopping for a CD in Plainville, Massachusetts
To find the best APYs in Plainville, Massachusetts, start with credit unions and online-only banks: Plainville, Massachusetts has 69 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 Plainville, 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 Plainville, Massachusetts: 99 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Plainville, Massachusetts savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Plainville, Massachusetts money market rates
Massachusetts Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$57,232
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$167/yr
At MA 12-mo avg 2.921% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MA 12-month CD average of 2.921%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $167 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 Plainville, 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 Plainville, 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 Plainville, 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 Plainville, Massachusetts as everywhere in the U.S.
Choosing a CD Term in Plainville, 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 Plainville, Massachusetts savers easier access to their funds. For example, Bluestone Bank is offering its 6 Month Fixed Rate CD at 0.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bluestone Bank is offering its 60 Month Fixed Rate CD at 3.25% 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 Plainville, 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 Plainville, 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 Plainville, 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 Plainville, 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 Plainville, Massachusetts
Most CDs carry a fixed rate that is locked for the entire term, protecting a Plainville, 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 Plainville, Massachusetts
Are CD rates in Plainville, Massachusetts FDIC insured?
Yes, most established banks in Plainville, 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 Plainville, 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 Plainville, 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 Plainville, 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 Plainville, Massachusetts?
Here are recent top rates found for this area:
- Bluestone Bank: 3.25% APY (24 Month Fixed Rate CD)
- Dedham Institution for Savings: 5.00% APY (6 Month CD)
- Happen Bank: 4.40% APY (2 Year Consumer Certificate of Deposit)
- USALLIANCE: 4.36% APY (12 Month Certificate)
- Marcus Bank: 4.35% APY (18 Month CD)
- Plymouth County Teachers Federal Credit Union: 4.33% APY (12-Month CD)
- Northern Bank & Trust Company: 4.30% APY (Premium 12 months)
- Mass Bay Credit Union: 4.25% APY (24 Month Certificate)
- Energy Credit Union: 4.15% APY (60 Month Certificate)
- Walpole Co-operative Bank: 4.10% APY (6 Month Certificate)
Rates reflect recent verified offers available in Plainville, Massachusetts. Last Updated: September 16, 2026
Plainville, 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 Plainville, 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.
CD Calculators for Plainville, Massachusetts
Plainville, Massachusetts CD Calculator
At today’s MA top rate of 3.25% APY, a $10,000 deposit earns $325 in the first year. Enter your amount to see your exact return.
Plainville, Massachusetts CD LadderMA CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Plainville, Massachusetts CD at 3.25% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.921% 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 Plainville, 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 Plainville, 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 Plainville, Massachusetts. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 16, 2026
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