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CD Rate Trends

Quincy, Massachusetts Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Quincy, Massachusetts CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Quincy, Massachusetts CD rates include Eastern BankEastern Bank34 Chapman St, Quincy, MA 02170A+5.0 ★Texas Ratio: 2.61%Real return: +1.50%APY minus CPI (February 2026) offering 18 Month CD/IRA CD at 4.30% APY, Mass Bay Credit UnionMass Bay Credit Union1250 Hancock St, Quincy, MA 02169A5.0 ★Texas Ratio: 6.39%Real return: +1.45%APY minus CPI (February 2026) offering Certificates - 24 Months at 4.25% APY, Rockland TrustRockland Trust301 Quincy Ave, Quincy, MA 02169A+5.0 ★Texas Ratio: 2.64%Real return: +1.35%APY minus CPI (February 2026) offering Select 18-Month CD at 4.15% APY, Santander BankSantander Bank1150 Hancock St, Quincy, MA 02169A5.0 ★Texas Ratio: 8.00%Real return: +1.20%APY minus CPI (February 2026) offering 18-Month CD at 4.00% APY, and Quincy Credit UnionQuincy Credit Union100 Quincy Ave, Quincy, MA 02169 6714A+5.0 ★Texas Ratio: 3.24%Real return: +1.05%APY minus CPI (February 2026) offering 6 Month Standard Share Certificate at 3.85% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Quincy has 131 local institutions in our database, with CD rates as high as 4.30% APY from Eastern Bank at 34 Chapman St, Quincy, MA 02170. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026

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

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Quincy 3 Month CD Rates

Massachusetts 3 Month CD Average1.95% APYNational 2.09%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 3 Month Premium
$50,000
3.65% ▲ 1.70% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.70% above avgNationally 2.09%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 3 Month
$500
3.55% ▲ 1.60% above Massachusetts avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 3 Months
$500
2.75% ▲ 0.80% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 3 Months
$500
2.75% ▲ 0.80% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 22, 2026: 2.75% APYSep 22, 2026Oct 14, 2026
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
34 Chapman St, Quincy, MA 02170
3 Month CD
$2,500
2.02% ▲ 0.07% above Massachusetts avg
View
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 0.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 30, 2026: 2.02% APYSep 30, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
3 Month Certificate of Deposit
$1,000
1.55% ▼ 0.40% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▼ 0.40% below avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
1.00%1.53%2.05%Sep 19, 2026: 1.50% APYOct 7, 2026: 1.55% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20261.55%▲ from 1.50%
  • Sep 19, 20261.50%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
3 Month CD
$0
1.00% ▼ 0.95% below Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
3 Month TD Choice CD
$0
1.00% ▼ 0.95% below Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99; Standard APY

Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 2, 2026: 1.00% APYOct 2, 2026Oct 14, 2026
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
77 Granite St, Quincy, MA 02169
3 Month IRA Certificate
$1,000
1.00% ▼ 0.95% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
3 Month Certificate of Deposit
$0
0.03% ▼ 1.92% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▼ 1.92% below avgNationally 2.09%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
3 Month Certificate of Deposit
$0
0.02% ▼ 1.93% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▼ 1.93% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
3 Month Certificate of Deposit
$0
0.01% ▼ 1.94% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▼ 1.94% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3 Month CD
$1,000
4.25% ▲ 2.30% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 2.30% above avgNationally 2.09%
Details

High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00% ▲ 2.05% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 2.05% above avgNationally 2.09%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 Month Certificate of Deposit
$0
3.90% ▲ 1.95% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 1.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 3 Months
$1,000
3.85% ▲ 1.90% above Massachusetts avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.90% above avgNationally 2.09%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month Certificate of Deposit
$0
3.85% ▲ 1.90% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 1.90% above avgNationally 2.09%
Details

SPECIAL

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 14, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate of Deposit
$1,000
3.80% ▲ 1.85% above Massachusetts avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.85% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month IRA Certificate of Deposit
$250
3.80% ▲ 1.85% above Massachusetts avg
View
▼
Rate3.73%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.85% above avgNationally 2.09%
Details

Minimum to Obtain APY: N/A

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 14, 2026
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month CD
$1,000
3.75% ▲ 1.80% above Massachusetts avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.80% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 14, 2026
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 3 Month
$0
3.65% ▲ 1.70% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.70% above avgNationally 2.09%
Details

Balance: $1,000 & up

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 14, 2026
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
3.60% ▲ 1.65% above Massachusetts avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Oct 14, 2026
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month CD
$0
3.60% ▲ 1.65% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Earn Up To

Rate History
3 changes since Sep 14, 2026 · 2.20% → 3.60% ▲ 1.40 pts · high 3.60% / low 2.20%
0.80%2.90%5.00%Sep 14, 2026: 2.20% APYSep 18, 2026: 3.60% APYSep 25, 2026: 2.20% APYOct 8, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.60%▲ from 2.20%
  • Sep 25, 20262.20%▼ from 3.60%
  • Sep 18, 20263.60%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Business 3 Month Certificate of Deposit
$1,000
3.50% ▲ 1.55% above Massachusetts avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
3 Month Certificate
$0
3.50% ▲ 1.55% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 14, 2026
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Month Fixed Rate CD
$0
3.50% ▲ 1.55% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 3 Month
$500
3.50% ▲ 1.55% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details

Relationship rate; requires Relationship Checking requirements to be maintained

Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
0.00%3.18%6.35%Sep 14, 2026: 0.65% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.50%▲ from 0.65%
  • Sep 14, 20260.65%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
3.50% ▲ 1.55% above Massachusetts avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details

Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00

Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
0.00%3.18%6.35%Sep 14, 2026: 0.65% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.50%▲ from 0.65%
  • Sep 14, 20260.65%first recorded
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 3 months
$500
3.39% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.44% above avgNationally 2.09%
Details

Effective Date: March 13, 2026

Rate History
No change since Sep 24, 2026 · 3.39% APY · checked 4 times
2.89%3.39%3.89%Sep 24, 2026: 3.39% APYSep 24, 2026Oct 14, 2026
MutualOne Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.48%
3 Month CD
$500
3.35% ▲ 1.40% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Oct 14, 2026
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3-Month CD
$1,000
3.35% ▲ 1.40% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details

Rate guaranteed for the length of the term.

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 3 Month
$500
3.35% ▲ 1.40% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details

Minimum daily balance to earn APY: $500.00

Rate History
1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50%
0.00%3.10%6.20%Sep 14, 2026: 0.50% APYOct 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.35%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
3.35% ▲ 1.40% above Massachusetts avg
View
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details

Min Daily Balance to earn APY: $100,000.00

Rate History
1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50%
0.00%3.10%6.20%Sep 14, 2026: 0.50% APYOct 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.35%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Business Share Certificate
$0
3.25% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Minimum Daily Balance to obtain APY: $500.00

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Share & IRA Certificates
$0
3.25% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 14, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Share Certificate
$500
3.25% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month Certificate of Deposit
$500
3.25% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
3 Month Certificate
$500
3.25% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
Open a 24 Cd - 3 Month
$500
3.25% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3 Month Term Share Certificates
$500
3.25% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3 Month IRA Certificates
$1,000
3.25% ▲ 1.30% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposits - 3 Months
$1,000
3.25% ▲ 1.30% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month CD
$500
3.20% ▲ 1.25% above Massachusetts avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.25% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
3 Month Certificate
$0
3.14% ▲ 1.19% above Massachusetts avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.19% above avgNationally 2.09%
Details

Balance: $5,000 - $1,000

Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
2.64%3.14%3.64%Oct 8, 2026: 3.14% APYOct 8, 2026Oct 14, 2026
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
3 Months High Yield Certificate
$500
3.10% ▲ 1.15% above Massachusetts avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.15% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 14, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 14, 2026
Cambridge Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Certificates Of Deposit - 3 Months
$0
3.00% ▲ 1.05% above Massachusetts avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 18, 2026: 3.25% APYOct 2, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.00%▼ from 3.25%
  • Sep 18, 20263.25%first recorded
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3 Month Certificate
$1,000
3.00% ▲ 1.05% above Massachusetts avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Daily Minimum Balance to Obtain APY** is $1,000

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% APYSep 7, 2026Oct 14, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3-Month Business CD
$0
3.00% ▲ 1.05% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 14, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3-Month CD
$0
3.00% ▲ 1.05% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 14, 2026
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3-Month CD
$1,000
3.00% ▲ 1.05% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.00% ▼ 0.35 pts · high 3.35% / low 3.00%
2.50%3.18%3.85%Sep 14, 2026: 3.35% APYOct 12, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.00%▼ from 3.35%
  • Sep 14, 20263.35%first recorded

Quincy 6 Month CD Rates

Massachusetts 6 Month CD Average2.69% APYNational 2.77%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
34 Chapman St, Quincy, MA 02170
6 Month CD/IRA CD
$2,500
3.90% ▲ 1.21% above Massachusetts avg
View
▼
Rate3.86%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.77%
Details

Rate History
1 change since Sep 30, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 30, 2026: 3.85% APYOct 3, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
  • Oct 3, 20263.90%▲ from 3.85%
  • Sep 30, 20263.85%first recorded
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
6 Month Standard Share Certificate
$1,000
3.85% ▲ 1.16% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.16% above avgNationally 2.77%
Details

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
Standard CD - 6 months
$1,000
3.85% ▲ 1.16% above Massachusetts avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.16% above avgNationally 2.77%
Details

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 6 Months
$500
3.75% ▲ 1.06% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.77%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 6 Months
$500
3.75% ▲ 1.06% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.77%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 6 Month Premium
$50,000
3.65% ▲ 0.96% above Massachusetts avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 0.96% above avgNationally 2.77%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 6 Month
$500
3.55% ▲ 0.86% above Massachusetts avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 0.86% above avgNationally 2.77%
Details

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
Taupa Lithuanian Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.61%
100 Hillside Ave, Quincy, MA 02170 3204
CD's and IRA's - 6 months
$500
3.50% ▲ 0.81% above Massachusetts avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 14, 2026
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
301 Quincy Ave, Quincy, MA 02169
6-Month CD
$1,000
2.75% ▲ 0.06% above Massachusetts avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 0.06% above avgNationally 2.77%
Details

Compounded: Daily

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
6 Month Certificate of Deposit
$1,000
2.55% ▼ 0.14% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▼ 0.14% below avgNationally 2.77%
Details

Rate History
1 change since Sep 19, 2026 · 2.50% → 2.55% ▲ 0.05 pts · high 2.55% / low 2.50%
2.00%2.53%3.05%Sep 19, 2026: 2.50% APYOct 7, 2026: 2.55% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20262.55%▲ from 2.50%
  • Sep 19, 20262.50%first recorded
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
77 Granite St, Quincy, MA 02169
6 Month IRA Certificate
$1,000
1.10% ▼ 1.59% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▼ 1.59% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 8, 2026: 1.10% APYOct 8, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
TD Choice CD 6 Month
$0
1.00% ▼ 1.69% below Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▼ 1.69% below avgNationally 2.77%
Details

Non-Promotional TD Choice CD; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
6 Month Certificate of Deposit
$0
0.03% ▼ 2.66% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▼ 2.66% below avgNationally 2.77%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 6 Months
$250
0.03% ▼ 2.66% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▼ 2.66% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
6 Month Certificate of Deposit
$0
0.02% ▼ 2.67% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▼ 2.67% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 6 Months
$250
0.02% ▼ 2.67% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▼ 2.67% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
6 Month Certificate of Deposit
$0
0.01% ▼ 2.68% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▼ 2.68% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 6 Months
$250
0.01% ▼ 2.68% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▼ 2.68% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.30% ▲ 1.61% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.61% above avgNationally 2.77%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
6 Month CD
$1,000
4.25% ▲ 1.56% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.56% above avgNationally 2.77%
Details

High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 14, 2026
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6-Month CD
$0
4.20% ▲ 1.51% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.77%
Details

Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 18, 2026: 4.10% APYSep 24, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 6 Months
$1,000
4.20% ▲ 1.51% above Massachusetts avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.77%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 18, 2026: 4.10% APYSep 24, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month Certificate of Deposit
$1,000
4.20% ▲ 1.51% above Massachusetts avg
View
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month CD
$0
4.20% ▲ 1.51% above Massachusetts avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 3 months' interest; Interest Rate/APY: 4.11% / 4.20%

Rate History
1 change since Sep 24, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.20% APYSep 24, 2026Oct 14, 2026
  • Oct 1, 20264.20%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Month Certificate
$2,500
4.10% ▲ 1.41% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.41% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 11, 2026: 4.10% APYSep 11, 2026Oct 14, 2026
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Business 6 Month Certificate
$2,500
4.10% ▲ 1.41% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.41% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 11, 2026: 4.10% APYSep 11, 2026Oct 14, 2026
Canton Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
6 Month CD
$0
4.10% ▲ 1.41% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.41% above avgNationally 2.77%
Details

Rate History
1 change since Sep 19, 2026 · 2.02% → 4.10% ▲ 2.08 pts · high 4.10% / low 2.02%
0.00%3.09%6.18%Sep 19, 2026: 2.02% APYOct 7, 2026: 4.10% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.10%▲ from 2.02%
  • Sep 19, 20262.02%first recorded
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Months Certificate of Deposit
$0
4.07% ▲ 1.38% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.38% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 24, 2026: 4.07% APYSep 24, 2026Oct 14, 2026
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Certificate of Deposit - 6 Month SPECIAL
$1,000
4.07% ▲ 1.38% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.38% above avgNationally 2.77%
Details

Available as IRA CD; Penalties may be imposed for early withdrawals

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 14, 2026
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 Month Certificate of Deposit
$0
4.07% ▲ 1.38% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.38% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 14, 2026
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
6 Month CD
$500
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
6 Month Business Share Certificate
$0
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Minimum Daily Balance to obtain APY: $250.00

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
6 Month Share & IRA Certificates
$0
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
6 Month Share Certificate
$250
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Month Homeowner CD
$0
4.00% ▲ 1.31% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Homeowner CD; additional annualized bonus equal to interest earned in first six months if you also close a home mortgage loan with Leader Bank within that six-month term; effective annualized return 8.00% (not a separate rate)

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
6-Month CD
$500
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Rate History
No change since Oct 11, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 11, 2026: 4.00% APYOct 11, 2026Oct 14, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month CD
$0
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month IRA Certificates
$500
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 6 Month
$1,000
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificate - 6 Month
$0
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Certificate 6 Month
$0
4.00% ▲ 1.31% above Massachusetts avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details

Rate History
1 change since Oct 5, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Oct 5, 2026: 3.65% APYOct 9, 2026: 4.00% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.65%
  • Oct 5, 20263.65%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95% ▲ 1.26% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
2 changes since Sep 18, 2026 · 4.35% → 3.95% ▼ 0.40 pts · high 4.40% / low 3.95%
3.45%4.18%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYOct 14, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.95%▼ from 4.40%
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 months High-Yield CD
$500
3.95% ▲ 1.26% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details

Early Withdrawal Penalty: Yes

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95% ▲ 1.26% above Massachusetts avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details

Dividends post at certificate maturity; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificate 6 months
$0
3.95% ▲ 1.26% above Massachusetts avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details

IRA Certificate; Rates effective as of 10/12/2026; NCUA-insured: Yes

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 14, 2026
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 month Certificate
$0
3.95% ▲ 1.26% above Massachusetts avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details

Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
All One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Term Share Certificate - 6 Month
$500
3.95% ▲ 1.26% above Massachusetts avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details

Term Share Certificates / Term Share IRAs; APY effective 09/22/2026; new money required

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 14, 2026
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 Months Term Share Certificate (CD & IRA)
$500
3.95% ▲ 1.26% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details

Regular CD - min $500; Jumbo CD not offered at this term; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 30, 2026: 3.95% APYSep 30, 2026Oct 14, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate of Deposit
$1,000
3.90% ▲ 1.21% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month IRA Certificate of Deposit
$250
3.90% ▲ 1.21% above Massachusetts avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.77%
Details

Minimum to Obtain APY: N/A

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 14, 2026

Quincy 12 Month CD Rates

Massachusetts 12 Month CD Average2.80% APYNational 2.99%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
301 Quincy Ave, Quincy, MA 02169
1-Year CD
$1,000
4.00% ▲ 1.20% above Massachusetts avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Compounded: Daily

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 12 Months
$500
3.50% ▲ 0.70% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 0.70% above avgNationally 2.99%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 12 Months
$500
3.50% ▲ 0.70% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 0.70% above avgNationally 2.99%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 12 Month Premium
$50,000
3.45% ▲ 0.65% above Massachusetts avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 0.65% above avgNationally 2.99%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 12 Month
$500
3.35% ▲ 0.55% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 0.55% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 22, 2026: 3.35% APYSep 22, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1177 Hancock St, Quincy, MA 02169
1 Year Online CD
$0
3.25% ▲ 0.45% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 0.45% above avgNationally 2.99%
Details

Cash out monthly interest payments or reinvest them to earn more

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Taupa Lithuanian Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.61%
100 Hillside Ave, Quincy, MA 02170 3204
CD's and IRA's - 12 months
$500
3.25% ▲ 0.45% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 5, 2026: 3.25% APYOct 5, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
12 Month Standard Share Certificate
$1,000
3.25% ▲ 0.45% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
Standard CD - 12 months
$1,000
3.25% ▲ 0.45% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
12 Month Certificate of Deposit
$1,000
2.65% ▼ 0.15% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▼ 0.15% below avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 2.60% → 2.65% ▲ 0.05 pts · high 2.65% / low 2.60%
2.10%2.63%3.15%Sep 19, 2026: 2.60% APYOct 7, 2026: 2.65% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20262.65%▲ from 2.60%
  • Sep 19, 20262.60%first recorded
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
77 Granite St, Quincy, MA 02169
12 Month IRA Certificate
$1,000
1.25% ▼ 1.55% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▼ 1.55% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
TD Choice CD 12 Month
$250
1.00% ▼ 1.80% below Massachusetts avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 1.80% below avgNationally 2.99%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
12 Month TD IRA Add-Vantage CD
$250
0.05% ▼ 2.75% below Massachusetts avg
View
▼
Rate0.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 2.75% below avgNationally 2.99%
Details

IRA certificate; Minimum deposit to open is $250

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
12 Month Certificate of Deposit
$0
0.03% ▼ 2.77% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 2.77% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 12 Months
$250
0.03% ▼ 2.77% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 2.77% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
12 Month Certificate of Deposit
$0
0.02% ▼ 2.78% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 2.78% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 12 Months
$250
0.02% ▼ 2.78% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 2.78% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
12 Month Certificate of Deposit
$0
0.01% ▼ 2.79% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 2.79% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 12 Months
$250
0.01% ▼ 2.79% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▼ 2.79% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Clinton Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.56%
12-month Get Real Add-On CD
$100
5.00% ▲ 2.20% above Massachusetts avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 2.20% above avgNationally 2.99%
Details

APY (Annual Percentage Yield) is for 12-month Get Real Add-On CD promotional rate CD. Rate effective 8/28/2025. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Minimum deposit of $100.00 required to open CD and a $10.00 minimum balance required to obtain APY. To qualify for this account, you must be 14-25 years of age with an active Get Real Checking Account or Get Real Savings Account. If you are under the age of 18 you will need a signature of a parent or a legal guardian as a joint owner. After the account is opened, you may make deposits until the maturity date. Deposits can be made at the branch or transferred from another account via online banking or our mobile app. At maturity, the 12-month Get Real Add-On CD will revert to a 12-month CD which will not accept additional deposits after the account is opened with the non-promotional APY at that time. Early withdrawal penalties may apply. Fees may reduce earnings. Offer may be withdrawn at any time. Not to be combined with any additional promotional offer. For more information, please call 978-365-3700.

Rate History
1 change since Sep 19, 2026 · 3.00% → 5.00% ▲ 2.00 pts · high 5.00% / low 3.00%
1.00%4.00%7.00%Sep 19, 2026: 3.00% APYOct 11, 2026: 5.00% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20265.00%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$100,000
4.59% ▲ 1.79% above Massachusetts avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.79% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$100,000
4.59% ▲ 1.79% above Massachusetts avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.79% above avgNationally 2.99%
Details

Min balance tier: $100.000.00 (as printed)

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
Premium Certificate of Deposit - 12 months
$500
4.50% ▲ 1.70% above Massachusetts avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.70% above avgNationally 2.99%
Details

In-Branch Only; Must Open In-Branch

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificates
$500
4.50% ▲ 1.70% above Massachusetts avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 24, 2026: 3.75% APYOct 4, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
  • Oct 4, 20264.50%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 12 Month
$1,000
4.50% ▲ 1.70% above Massachusetts avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 14, 2026
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50% ▲ 1.70% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Special Rate; featured rate from homepage; View all rate specials

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$500
4.44% ▲ 1.64% above Massachusetts avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.64% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$500
4.44% ▲ 1.64% above Massachusetts avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.64% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40% ▲ 1.60% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.60% above avgNationally 2.99%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 14, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
4.40% ▲ 1.60% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.60% above avgNationally 2.99%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12-Month CD
$1,000
4.25% ▲ 1.45% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Maximum deposit $250,000; Open now

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 14, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.25%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 12 Months
$1,000
4.25% ▲ 1.45% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
12 Month Share Certificate
$1,000
4.25% ▲ 1.45% above Massachusetts avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Tier 1; dividends post at maturity; 2 month dividend penalty for early withdrawal

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificates - Tier 1 - 12 Month
$1,000
4.25% ▲ 1.45% above Massachusetts avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Dividends post at maturity; 2 month dividend penalty for early withdrawal

Rate History
1 change since Sep 16, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 16, 2026: 3.75% APYOct 8, 2026: 4.25% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.25%▲ from 3.75%
  • Sep 16, 20263.75%first recorded
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificates - Tier 2 - 12 Month
$25,000
4.25% ▲ 1.45% above Massachusetts avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Dividends post at maturity; 2 month dividend penalty for early withdrawal

Rate History
1 change since Sep 16, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 16, 2026: 3.75% APYOct 8, 2026: 4.25% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.25%▲ from 3.75%
  • Sep 16, 20263.75%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12 Month Certificate of Deposit
$1,000
4.25% ▲ 1.45% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
1 Year Certificate
$1,000
4.20% ▲ 1.40% above Massachusetts avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.40% above avgNationally 2.99%
Details

Rate History
1 change since Sep 11, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 11, 2026: 4.05% APYSep 24, 2026: 4.20% APYSep 11, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 4.05%
  • Sep 11, 20264.05%first recorded
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Business 1 Year Certificate
$1,000
4.20% ▲ 1.40% above Massachusetts avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.40% above avgNationally 2.99%
Details

Rate History
1 change since Sep 11, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 11, 2026: 4.05% APYSep 24, 2026: 4.20% APYSep 11, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 4.05%
  • Sep 11, 20264.05%first recorded
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 1 Year
$0
4.19% ▲ 1.39% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.39% above avgNationally 2.99%
Details

Balance: $1,000 & up

Rate History
No change since Oct 8, 2026 · 4.19% APY · checked 2 times
3.69%4.19%4.69%Oct 8, 2026: 4.19% APYOct 8, 2026Oct 14, 2026
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
12-Month CD
$500
4.15% ▲ 1.35% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Rate History
No change since Oct 11, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 11, 2026: 4.15% APYOct 11, 2026Oct 14, 2026
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 Month IRA TDC
$0
4.15% ▲ 1.35% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 Month TDC
$0
4.15% ▲ 1.35% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business 12 Month TDC
$0
4.15% ▲ 1.35% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Traditional 12 Month IRA TDC
$0
4.15% ▲ 1.35% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Traditional/Roth IRA Term Deposit Certificates (TDC)

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Year Share Certificate
$0
4.15% ▲ 1.35% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Compounding: Monthly; Personal accounts only

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 14, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month Term Share Certificates
$500
4.15% ▲ 1.35% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.35% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 18, 2026: 3.75% APYSep 21, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 21, 20264.15%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
12 Month Business Share Certificate
$0
4.10% ▲ 1.30% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Minimum Daily Balance to obtain APY: $500.00

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
12 Month Share & IRA Certificates
$0
4.10% ▲ 1.30% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
12 Month Share Certificate
$500
4.10% ▲ 1.30% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
4.10% ▲ 1.30% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 months' interest; Interest Rate/APY: 4.02% / 4.10%

Rate History
1 change since Sep 24, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 24, 2026: 3.85% APYOct 1, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
  • Oct 1, 20264.10%▲ from 3.85%
  • Sep 24, 20263.85%first recorded

Quincy 18 Month CD Rates

Massachusetts 18 Month CD Average2.83% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
34 Chapman St, Quincy, MA 02170
18 Month CD/IRA CD
$2,500
4.30% ▲ 1.47% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 30, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 30, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 30, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 30, 20264.10%first recorded
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
301 Quincy Ave, Quincy, MA 02169
Select 18-Month CD
$1,000
4.15% ▲ 1.32% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
Details

Compounded: Daily

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1150 Hancock St, Quincy, MA 02169
18-Month CD
$500
4.00% ▲ 1.17% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

Location: available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141); rates in other areas or for online openings may not be available; minimum deposit of $500; early withdrawal penalty applies

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 18 Months
$500
4.00% ▲ 1.17% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 18 Months
$500
4.00% ▲ 1.17% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 18 Month Premium
$50,000
3.35% ▲ 0.52% above Massachusetts avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 0.52% above avgNationally 2.88%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 22, 2026: 3.35% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 18 Month
$500
3.25% ▲ 0.42% above Massachusetts avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
18 Month Certificate of Deposit
$1,000
2.65% ▼ 0.18% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▼ 0.18% below avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 4.00% → 2.65% ▼ 1.35 pts · high 4.00% / low 2.65%
1.30%3.32%5.35%Sep 19, 2026: 4.00% APYOct 7, 2026: 2.65% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20262.65%▼ from 4.00%
  • Sep 19, 20264.00%first recorded
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
77 Granite St, Quincy, MA 02169
18 Month IRA Certificate
$1,000
2.25% ▼ 0.58% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▼ 0.58% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 8, 2026: 2.25% APYOct 8, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
Non-Promotional TD Choice CD - 18 Month
$0
1.00% ▼ 1.83% below Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 1.83% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 14, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
TD Choice CD 18 Month
$250
1.00% ▼ 1.83% below Massachusetts avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 1.83% below avgNationally 2.88%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
18 Month Certificate of Deposit
$0
0.03% ▼ 2.80% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 2.80% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 18 Months
$250
0.03% ▼ 2.80% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 2.80% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
18 Month Certificate of Deposit
$0
0.02% ▼ 2.81% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 2.81% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 18 Months
$250
0.02% ▼ 2.81% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 2.81% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
18 Month Certificate of Deposit
$0
0.01% ▼ 2.82% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 2.82% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 18 Months
$250
0.01% ▼ 2.82% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▼ 2.82% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD
$500
4.49% ▲ 1.66% above Massachusetts avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 18-Month
$500
4.49% ▲ 1.66% above Massachusetts avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40% ▲ 1.57% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.57% above avgNationally 2.88%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40% ▲ 1.57% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.57% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18-Month CD
$10,000
4.36% ▲ 1.53% above Massachusetts avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.53% above avgNationally 2.88%
Details

Special CD; minimum balance of $10,000 required to open and obtain APY; maximum deposit $500,000; personal accounts only; penalty for premature withdrawal; Open online

Rate History
No change since Oct 7, 2026 · 4.36% APY · checked 3 times
3.86%4.36%4.86%Oct 7, 2026: 4.36% APYOct 7, 2026Oct 14, 2026
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
18-Month CD
$0
4.35% ▲ 1.52% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.52% above avgNationally 2.88%
Details

Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 18 Months
$1,000
4.35% ▲ 1.52% above Massachusetts avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.52% above avgNationally 2.88%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 18 Month
$0
4.34% ▲ 1.51% above Massachusetts avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.51% above avgNationally 2.88%
Details

Balance: $1,000 & up

Rate History
No change since Oct 8, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 8, 2026: 4.34% APYOct 8, 2026Oct 14, 2026
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18 Month Certificate
$1,000
4.25% ▲ 1.42% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25% ▲ 1.42% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25% ▲ 1.42% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
18 Month Share Certificate
$0
4.25% ▲ 1.42% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
Details

Compounding: Monthly; Personal accounts only

Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 14, 2026
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month Certificate of Deposit
$1,000
4.25% ▲ 1.42% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Relationship 18 Month CD
$500
4.23% ▲ 1.40% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.40% above avgNationally 2.88%
Details

Primary or Joint Owner on Relationship Rewards Checking

Rate History
No change since Oct 3, 2026 · 4.23% APY · checked 3 times
3.73%4.23%4.73%Oct 3, 2026: 4.23% APYOct 3, 2026Oct 14, 2026
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 18 Month
$500
4.20% ▲ 1.37% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.37% above avgNationally 2.88%
Details

Relationship rate; requires Relationship Checking requirements to be maintained

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
2.70%3.83%4.95%Sep 14, 2026: 3.45% APYOct 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.20%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
4.20% ▲ 1.37% above Massachusetts avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.37% above avgNationally 2.88%
Details

Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Month IRA TDC
$0
4.15% ▲ 1.32% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Month TDC
$0
4.15% ▲ 1.32% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business 18 Month TDC
$0
4.15% ▲ 1.32% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Traditional 18 Month IRA TDC
$0
4.15% ▲ 1.32% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
Details

Traditional/Roth IRA Term Deposit Certificates (TDC)

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 24, 2026: 4.05% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
18 Month Certificate
$1,000
4.13% ▲ 1.30% above Massachusetts avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.30% above avgNationally 2.88%
Details

Regular Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.13%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
18 Month IRA Certificate
$1,000
4.13% ▲ 1.30% above Massachusetts avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.30% above avgNationally 2.88%
Details

IRA Share Certificate; Dividend rate; APY*

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 25, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.13%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1.5 Year CD
$500
4.10% ▲ 1.27% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
Details

Rates on certificates of deposit are guaranteed for the length of the term

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1.5 Year IRA CD
$500
4.10% ▲ 1.27% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Business Certificates of Deposit - 1.5 Year CD
$500
4.10% ▲ 1.27% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Business SEP 1.5 Year IRA CD
$500
4.10% ▲ 1.27% above Massachusetts avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
Details

SEP (Simplified Employee Pension) IRA Certificates

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
18 Month CD Special
$0
4.07% ▲ 1.24% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.24% above avgNationally 2.88%
Details

Open Online

Rate History
No change since Oct 3, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 3, 2026: 4.07% APYOct 3, 2026Oct 14, 2026
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Share Certificates - 18 Month
$500
4.07% ▲ 1.24% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.24% above avgNationally 2.88%
Details

$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.07% ▲ 0.22 pts · high 4.07% / low 3.85%
3.35%3.96%4.57%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.07%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month CD
$500
4.00% ▲ 1.17% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18 Month
$0
4.00% ▲ 1.17% above Massachusetts avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

Balance: $500+; Limited time offer; open with as little as $500; for existing or new Private Checking account holders; Open Account: Apply Now

Rate History
1 change since Sep 18, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
0.00%3.99%7.98%Sep 18, 2026: 0.02% APYOct 7, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.00%▲ from 0.02%
  • Sep 18, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18-Month CD
$500
4.00% ▲ 1.17% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

For existing or new Private Checking account holders; Open with as little as $500; Promotional APY; Minimum balance to earn stated APY is $500

Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
0.00%3.99%7.98%Sep 9, 2026: 0.02% APYOct 2, 2026: 4.00% APYSep 9, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 0.02%
  • Sep 9, 20260.02%first recorded
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
18 Month Certificate
$500
4.00% ▲ 1.17% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 3, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 month Certificate
$0
4.00% ▲ 1.17% above Massachusetts avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details

Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded

Quincy 24 Month CD Rates

Massachusetts 24 Month CD Average2.64% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 24 Months
$500
4.25% ▲ 1.61% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 24 Months
$500
4.25% ▲ 1.61% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 14, 2026
Taupa Lithuanian Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.61%
100 Hillside Ave, Quincy, MA 02170 3204
CD's and IRA's - 24 months
$500
3.25% ▲ 0.61% above Massachusetts avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 5, 2026: 3.25% APYOct 5, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1177 Hancock St, Quincy, MA 02169
2 Year Online CD
$0
3.00% ▲ 0.36% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 0.36% above avgNationally 2.88%
Details

Cash out monthly interest payments or reinvest them to earn more

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
24 Month Standard Share Certificate
$1,000
3.00% ▲ 0.36% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
Standard CD - 24 months
$1,000
3.00% ▲ 0.36% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
24 Month Certificate of Deposit
$1,000
2.50% ▼ 0.14% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▼ 0.14% below avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 2.45% → 2.50% ▲ 0.05 pts · high 2.50% / low 2.45%
1.95%2.48%3.00%Sep 19, 2026: 2.45% APYOct 7, 2026: 2.50% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20262.50%▲ from 2.45%
  • Sep 19, 20262.45%first recorded
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 24 Month Premium
$50,000
2.10% ▼ 0.54% below Massachusetts avg
View
▼
Rate2.08%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 0.54% below avgNationally 2.88%
Details

Premium

Rate History
No change since Sep 22, 2026 · 2.10% APY · checked 3 times
1.60%2.10%2.60%Sep 22, 2026: 2.10% APYSep 22, 2026Oct 14, 2026
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
301 Quincy Ave, Quincy, MA 02169
2-Year CD
$1,000
2.00% ▼ 0.64% below Massachusetts avg
View
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 0.64% below avgNationally 2.88%
Details

Compounded: Daily

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 14, 2026
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
77 Granite St, Quincy, MA 02169
24 Month IRA Certificate
$1,000
2.00% ▼ 0.64% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▼ 0.64% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 24 Month
$500
2.00% ▼ 0.64% below Massachusetts avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 0.64% below avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 22, 2026: 2.00% APYSep 22, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
TD Choice CD 24 Month
$250
1.00% ▼ 1.64% below Massachusetts avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 1.64% below avgNationally 2.88%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
24 Month Certificate of Deposit
$0
0.03% ▼ 2.61% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 2.61% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 24 Months
$250
0.03% ▼ 2.61% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 2.61% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
24 Month Certificate of Deposit
$0
0.02% ▼ 2.62% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 2.62% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 24 Months
$250
0.02% ▼ 2.62% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 2.62% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
24 Month Certificate of Deposit
$0
0.01% ▼ 2.63% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 2.63% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 24 Months
$250
0.01% ▼ 2.63% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▼ 2.63% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year Consumer Certificate of Deposit
$500
4.60% ▲ 1.96% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.96% above avgNationally 2.88%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
3.90%4.50%5.10%Sep 14, 2026: 4.40% APYOct 8, 2026: 4.60% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.60%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
2 Year Share Certificate
$0
4.50% ▲ 1.86% above Massachusetts avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.86% above avgNationally 2.88%
Details

Compounding: Monthly; Personal accounts only

Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40% ▲ 1.76% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.76% above avgNationally 2.88%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40% ▲ 1.76% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.76% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
24-Month CD
$1,000
4.35% ▲ 1.71% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.71% above avgNationally 2.88%
Details

Maximum deposit $250,000; Open now

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYOct 14, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 24 Months
$1,000
4.35% ▲ 1.71% above Massachusetts avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.71% above avgNationally 2.88%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Month IRA TDC
$0
4.30% ▲ 1.66% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Month TDC
$0
4.30% ▲ 1.66% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business 24 Month TDC
$0
4.30% ▲ 1.66% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Traditional 24 Month IRA TDC
$0
4.30% ▲ 1.66% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% above avgNationally 2.88%
Details

Traditional/Roth IRA Term Deposit Certificates (TDC)

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$50,000
4.28% ▲ 1.64% above Massachusetts avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.64% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 24-Month
$50,000
4.28% ▲ 1.64% above Massachusetts avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.64% above avgNationally 2.88%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 24 Month
$1,000
4.25% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24 Month Term Share Certificates
$500
4.25% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 21, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 21, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 Month Certificate of Deposit
$1,000
4.25% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
24 Month Certificates of Deposit
$250
4.25% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

SPECIAL OFFER; Available with a one-time bump-up option

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Business Certificates of Deposit - 24 Months
$250
4.25% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

SPECIAL OFFER

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
3.05%3.95%4.85%Sep 18, 2026: 3.65% APYOct 13, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Certificate of Deposit - 24 Months
$250
4.25% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Special Offer; One-time bump-up option available; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 24 Month (jumbo)
$50,000
4.23% ▲ 1.59% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.59% above avgNationally 2.88%
Details

Jumbo share certificate; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 14, 2026
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month Certificate
$1,000
4.23% ▲ 1.59% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.59% above avgNationally 2.88%
Details

Regular Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month IRA Certificate
$1,000
4.23% ▲ 1.59% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.59% above avgNationally 2.88%
Details

IRA Share Certificate; Dividend rate; APY*

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 25, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
24-month CD Special
$500
4.20% ▲ 1.56% above Massachusetts avg
View
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.92% → 4.20% ▲ 0.28 pts · high 4.20% / low 3.92%
3.42%4.06%4.70%Sep 24, 2026: 3.92% APYOct 11, 2026: 4.20% APYSep 24, 2026Oct 14, 2026
  • Oct 11, 20264.20%▲ from 3.92%
  • Sep 24, 20263.92%first recorded
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1 1/2 Year
$500
4.18% ▲ 1.54% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 24, 2026: 4.18% APYSep 24, 2026Oct 14, 2026
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.15% ▲ 1.51% above Massachusetts avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.51% above avgNationally 2.88%
Details

Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$500
4.13% ▲ 1.49% above Massachusetts avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.49% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 24-Month
$500
4.13% ▲ 1.49% above Massachusetts avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.49% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Share Certificates - 24 Month
$500
4.13% ▲ 1.49% above Massachusetts avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.49% above avgNationally 2.88%
Details

$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.13% ▲ 0.63 pts · high 4.13% / low 3.50%
2.87%3.82%4.76%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.13%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
24 Month Certificate
$500
4.07% ▲ 1.43% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Savers Co-operative Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.40%
24 Month Certificate
$500
4.05% ▲ 1.41% above Massachusetts avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 1.28% → 4.05% ▲ 2.77 pts · high 4.05% / low 1.28%
0.00%3.41%6.82%Sep 19, 2026: 1.28% APYOct 11, 2026: 4.05% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20264.05%▲ from 1.28%
  • Sep 19, 20261.28%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 month Certificate
$0
4.05% ▲ 1.41% above Massachusetts avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.41% above avgNationally 2.88%
Details

Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Months Term Share Certificate (CD & IRA)
$500
4.05% ▲ 1.41% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.41% above avgNationally 2.88%
Details

Regular CD - min $500; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 30, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 30, 2026: 4.05% APYSep 30, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month CD - Premier5 Banking
$1,000
3.90% ▲ 1.26% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.26% above avgNationally 2.88%
Details

Open Now; Premier5 Banking APY

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 14, 2026

Quincy 36 Month CD Rates

Massachusetts 36 Month CD Average2.46% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 36 Months
$500
3.45% ▲ 0.99% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 0.99% above avgNationally 2.81%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 36 Months
$500
3.45% ▲ 0.99% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 0.99% above avgNationally 2.81%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
36 Month Standard Share Certificate
$1,000
3.00% ▲ 0.54% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
Standard CD - 36 months
$1,000
3.00% ▲ 0.54% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1177 Hancock St, Quincy, MA 02169
3 Year Online CD
$0
2.75% ▲ 0.29% above Massachusetts avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 0.29% above avgNationally 2.81%
Details

Cash out monthly interest payments or reinvest them to earn more

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
36 Month Certificate of Deposit
$1,000
2.45% ▼ 0.01% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▼ 0.01% below avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 2.40% → 2.45% ▲ 0.05 pts · high 2.45% / low 2.40%
1.90%2.43%2.95%Sep 19, 2026: 2.40% APYOct 7, 2026: 2.45% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20262.45%▲ from 2.40%
  • Sep 19, 20262.40%first recorded
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
77 Granite St, Quincy, MA 02169
36 Month IRA Certificate
$1,000
2.25% ▼ 0.21% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▼ 0.21% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 8, 2026: 2.25% APYOct 8, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 36 Month Premium
$50,000
1.15% ▼ 1.31% below Massachusetts avg
View
▼
Rate1.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 1.31% below avgNationally 2.81%
Details

Premium

Rate History
No change since Sep 22, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 22, 2026: 1.15% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 36 Month
$500
1.05% ▼ 1.41% below Massachusetts avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 1.41% below avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 1.05% APY · checked 3 times
0.55%1.05%1.55%Sep 22, 2026: 1.05% APYSep 22, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
TD Choice CD 3 Year
$250
1.00% ▼ 1.46% below Massachusetts avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 1.46% below avgNationally 2.81%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
36 Month Certificate of Deposit
$0
0.03% ▼ 2.43% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 2.43% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 36 Months
$250
0.03% ▼ 2.43% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 2.43% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
36 Month Certificate of Deposit
$0
0.02% ▼ 2.44% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 2.44% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 36 Months
$250
0.02% ▼ 2.44% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 2.44% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
36 Month Certificate of Deposit
$0
0.01% ▼ 2.45% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 2.45% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 36 Months
$250
0.01% ▼ 2.45% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▼ 2.45% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
3 Year Share Certificate
$0
4.75% ▲ 2.29% above Massachusetts avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 2.29% above avgNationally 2.81%
Details

Compounding: Monthly; Personal accounts only

Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 9, 2026: 4.75% APYOct 9, 2026Oct 14, 2026
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
36 Month Certificate of Deposit
$1,000
4.50% ▲ 2.04% above Massachusetts avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 2.04% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40% ▲ 1.94% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.94% above avgNationally 2.81%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40% ▲ 1.94% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.94% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
3-Year CD
$0
4.35% ▲ 1.89% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.89% above avgNationally 2.81%
Details

Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 3 Years
$1,000
4.35% ▲ 1.89% above Massachusetts avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.89% above avgNationally 2.81%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
36 Month Term Share Certificates
$500
4.35% ▲ 1.89% above Massachusetts avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 18, 2026: 4.10% APYSep 21, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 21, 20264.35%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$50,000
4.33% ▲ 1.87% above Massachusetts avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.87% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$50,000
4.33% ▲ 1.87% above Massachusetts avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.87% above avgNationally 2.81%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 Month IRA TDC
$0
4.30% ▲ 1.84% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 Month TDC
$0
4.30% ▲ 1.84% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business 36 Month TDC
$0
4.30% ▲ 1.84% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Traditional 36 Month IRA TDC
$0
4.30% ▲ 1.84% above Massachusetts avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details

Traditional/Roth IRA Term Deposit Certificates (TDC)

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 24, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 36 Month (jumbo)
$50,000
4.28% ▲ 1.82% above Massachusetts avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.82% above avgNationally 2.81%
Details

Jumbo share certificate; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 36 Month
$1,000
4.25% ▲ 1.79% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.79% above avgNationally 2.81%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month Certificate
$1,000
4.23% ▲ 1.77% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.77% above avgNationally 2.81%
Details

Regular Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month IRA Certificate
$1,000
4.23% ▲ 1.77% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.77% above avgNationally 2.81%
Details

IRA Share Certificate; Dividend rate; APY*

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 25, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.20% ▲ 1.74% above Massachusetts avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.74% above avgNationally 2.81%
Details

Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$500
4.18% ▲ 1.72% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$500
4.18% ▲ 1.72% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Share Certificates - 36 Month
$500
4.18% ▲ 1.72% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.72% above avgNationally 2.81%
Details

$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
2.82%3.84%4.86%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.18%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 month Certificate
$0
4.10% ▲ 1.64% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.64% above avgNationally 2.81%
Details

Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 month IRA Certificate
$0
4.10% ▲ 1.64% above Massachusetts avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.64% above avgNationally 2.81%
Details

IRA Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Months Term Share Certificate (CD & IRA)
$500
4.10% ▲ 1.64% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.64% above avgNationally 2.81%
Details

Regular CD - min $500; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
36 Month Certificate
$500
4.07% ▲ 1.61% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.61% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36-Month Certificate of Deposit
$1,000
3.97% ▲ 1.51% above Massachusetts avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.51% above avgNationally 2.81%
Details

Dividend Rate: 3.90%

Rate History
No change since Sep 24, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 24, 2026: 3.97% APYSep 24, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD - Premier5 Banking
$1,000
3.90% ▲ 1.44% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details

Open Now; Premier5 Banking APY

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 36 Month CD
$1,000
3.90% ▲ 1.44% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details

Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 36 Month - Premier5 Banking
$1,000
3.90% ▲ 1.44% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details

Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD - PrimaryPlus Banking
$1,000
3.88% ▲ 1.42% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.42% above avgNationally 2.81%
Details

Open Now; PrimaryPlus Banking APY

Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 3 times
3.38%3.88%4.38%Oct 7, 2026: 3.88% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 36 Month - PrimaryPlus Banking
$1,000
3.88% ▲ 1.42% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.42% above avgNationally 2.81%
Details

PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.88% APY
3.38%3.88%4.38%Oct 14, 2026: 3.88% APYOct 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD
$1,000
3.85% ▲ 1.39% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details

Open Now

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
2.15%3.43%4.70%Sep 18, 2026: 3.00% APYOct 7, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Certificates of Deposit - 36 Month CD
$1,000
3.85% ▲ 1.39% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details

Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 18, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 36 Month
$1,000
3.85% ▲ 1.39% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details

Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
2.15%3.43%4.70%Sep 18, 2026: 3.00% APYOct 14, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.85%▲ from 3.00%
  • Sep 18, 20263.00%first recorded

Quincy 48 Month CD Rates

Massachusetts 48 Month CD Average2.31% APYNational 2.80%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
48 Month Standard Share Certificate
$1,000
3.00% ▲ 0.69% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 0.69% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
Standard CD - 48 months
$1,000
3.00% ▲ 0.69% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 0.69% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 48 Months
$500
3.00% ▲ 0.69% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 0.69% above avgNationally 2.80%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 48 Months
$500
3.00% ▲ 0.69% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 0.69% above avgNationally 2.80%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1177 Hancock St, Quincy, MA 02169
4 Year Online CD
$0
2.75% ▲ 0.44% above Massachusetts avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 0.44% above avgNationally 2.80%
Details

Cash out monthly interest payments or reinvest them to earn more

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
77 Granite St, Quincy, MA 02169
48 Month IRA Certificate
$1,000
2.50% ▲ 0.19% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.19% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
48 Month Certificate of Deposit
$1,000
2.40% ▲ 0.09% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 0.09% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 2.35% → 2.40% ▲ 0.05 pts · high 2.40% / low 2.35%
1.85%2.38%2.90%Sep 19, 2026: 2.35% APYOct 7, 2026: 2.40% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20262.40%▲ from 2.35%
  • Sep 19, 20262.35%first recorded
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 48 Month Premium
$50,000
0.95% ▼ 1.36% below Massachusetts avg
View
▼
Rate0.95%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 1.36% below avgNationally 2.80%
Details

Premium

Rate History
No change since Sep 22, 2026 · 0.95% APY · checked 3 times
0.45%0.95%1.45%Sep 22, 2026: 0.95% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 48 Month
$500
0.85% ▼ 1.46% below Massachusetts avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 1.46% below avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 0.85% APY · checked 3 times
0.35%0.85%1.35%Sep 22, 2026: 0.85% APYSep 22, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
48 Month Certificate of Deposit
$0
0.03% ▼ 2.28% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 2.28% below avgNationally 2.80%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 48 Months
$250
0.03% ▼ 2.28% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 2.28% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
48 Month Certificate of Deposit
$0
0.02% ▼ 2.29% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 2.29% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 48 Months
$250
0.02% ▼ 2.29% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 2.29% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
48 Month Certificate of Deposit
$0
0.01% ▼ 2.30% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 2.30% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 48 Months
$250
0.01% ▼ 2.30% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▼ 2.30% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
48 Month Certificate of Deposit
$1,000
4.50% ▲ 2.19% above Massachusetts avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.19% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
48 Month Term Share Certificates
$500
4.45% ▲ 2.14% above Massachusetts avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 0.75% → 4.45% ▲ 3.70 pts · high 4.45% / low 0.75%
0.00%4.08%8.15%Sep 18, 2026: 0.75% APYSep 21, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
  • Sep 21, 20264.45%▲ from 0.75%
  • Sep 18, 20260.75%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40% ▲ 2.09% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 2.09% above avgNationally 2.80%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40% ▲ 2.09% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 2.09% above avgNationally 2.80%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$50,000
4.39% ▲ 2.08% above Massachusetts avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$50,000
4.39% ▲ 2.08% above Massachusetts avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.08% above avgNationally 2.80%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 4 Years
$1,000
4.35% ▲ 2.04% above Massachusetts avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 2.04% above avgNationally 2.80%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 48 Month (jumbo)
$50,000
4.28% ▲ 1.97% above Massachusetts avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.97% above avgNationally 2.80%
Details

Jumbo share certificate; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 48 Month
$1,000
4.25% ▲ 1.94% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 1.94% above avgNationally 2.80%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.25% ▲ 1.94% above Massachusetts avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.94% above avgNationally 2.80%
Details

Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$500
4.23% ▲ 1.92% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$500
4.23% ▲ 1.92% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month Certificate
$1,000
4.23% ▲ 1.92% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details

Regular Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month IRA Certificate
$1,000
4.23% ▲ 1.92% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details

IRA Share Certificate; Dividend rate; APY*

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 25, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Share Certificates - 48 Month
$500
4.18% ▲ 1.87% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.87% above avgNationally 2.80%
Details

$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
2.82%3.84%4.86%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.18%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 month Certificate
$0
4.15% ▲ 1.84% above Massachusetts avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.84% above avgNationally 2.80%
Details

Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Months Term Share Certificate (CD & IRA)
$500
4.15% ▲ 1.84% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.84% above avgNationally 2.80%
Details

Regular CD - min $500; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48-Month Certificate of Deposit
$1,000
4.02% ▲ 1.71% above Massachusetts avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.71% above avgNationally 2.80%
Details

Dividend Rate: 3.95%

Rate History
No change since Sep 24, 2026 · 4.02% APY · checked 5 times
3.52%4.02%4.52%Sep 24, 2026: 4.02% APYSep 24, 2026Oct 14, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
Certificate - 48 months
$2,500
3.82% ▲ 1.51% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.51% above avgNationally 2.80%
Details

Regular term and IRA Certificates

Rate History
No change since Oct 14, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 14, 2026
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
48 Month Fixed
$0
3.81% ▲ 1.50% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.50% above avgNationally 2.80%
Details

IRA Savings Rates; Rates effective as of October 5, 2026

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50%
3.00%3.66%4.31%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.81%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Term Deposit - 48 Month
$0
3.81% ▲ 1.50% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.50% above avgNationally 2.80%
Details

Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.81% APY
3.31%3.81%4.31%Oct 13, 2026: 3.81% APYOct 13, 2026Oct 14, 2026
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4 Year Certificate
$0
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 4 Years
$0
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Certificates - 48 Month
$500
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details

Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
I.R.A. Certificates - 48 Month
$200
3.75% ▲ 1.44% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD - Premier5 Banking
$1,000
3.60% ▲ 1.29% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details

Premier5 Banking APY

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 48 Month CD
$1,000
3.60% ▲ 1.29% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details

Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 48 Month - Premier5 Banking
$1,000
3.60% ▲ 1.29% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details

Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD - PrimaryPlus Banking
$1,000
3.58% ▲ 1.27% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.27% above avgNationally 2.80%
Details

PrimaryPlus Banking APY

Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 3 times
3.08%3.58%4.08%Oct 7, 2026: 3.58% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 48 Month - PrimaryPlus Banking
$1,000
3.58% ▲ 1.27% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.27% above avgNationally 2.80%
Details

PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.58% APY
3.08%3.58%4.08%Oct 14, 2026: 3.58% APYOct 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD
$1,000
3.55% ▲ 1.24% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
1.95%3.15%4.35%Sep 18, 2026: 2.75% APYOct 7, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Certificates of Deposit - 48 Month CD
$1,000
3.55% ▲ 1.24% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details

Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply

Rate History
1 change since Sep 18, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 18, 2026: 2.80% APYOct 7, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 48 Month
$1,000
3.55% ▲ 1.24% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details

Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
1.95%3.15%4.35%Sep 18, 2026: 2.75% APYOct 14, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.55%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
48-Month CD/IRA
$0
3.55% ▲ 1.24% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details

Plus Spending APY: 3.58%; Premier Spending APY: 3.60%

Rate History
1 change since Sep 19, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
1.95%3.15%4.35%Sep 19, 2026: 2.75% APYOct 7, 2026: 3.55% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 2.75%
  • Sep 19, 20262.75%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
48 Month Fixed Rate CD
$0
3.55% ▲ 1.24% above Massachusetts avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 7, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded

Quincy 60 Month CD Rates

Massachusetts 60 Month CD Average2.45% APYNational 2.91%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
Certificates - 60 Months
$500
3.35% ▲ 0.90% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.91%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
IRA Certificate - 60 Months
$500
3.35% ▲ 0.90% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.91%
Details

Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal

Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 22, 2026: 3.35% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
60 Month Standard Share Certificate
$1,000
3.00% ▲ 0.55% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 0.55% above avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
Standard CD - 60 months
$1,000
3.00% ▲ 0.55% above Massachusetts avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 0.55% above avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1177 Hancock St, Quincy, MA 02169
5 Year Online CD
$0
2.75% ▲ 0.30% above Massachusetts avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 0.30% above avgNationally 2.91%
Details

Cash out monthly interest payments or reinvest them to earn more

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15 Beach St, Quincy, MA 02170
60 Month Certificate of Deposit
$1,000
2.30% ▼ 0.15% below Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▼ 0.15% below avgNationally 2.91%
Details

Rate History
1 change since Sep 19, 2026 · 2.25% → 2.30% ▲ 0.05 pts · high 2.30% / low 2.25%
1.75%2.28%2.80%Sep 19, 2026: 2.25% APYOct 7, 2026: 2.30% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20262.30%▲ from 2.25%
  • Sep 19, 20262.25%first recorded
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
301 Quincy Ave, Quincy, MA 02169
5-Year CD
$1,000
2.00% ▼ 0.45% below Massachusetts avg
View
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 0.45% below avgNationally 2.91%
Details

Compounded: Daily

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
516 Adams St, Quincy, MA 02169
TD Choice CD 5 Year
$250
1.00% ▼ 1.45% below Massachusetts avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 1.45% below avgNationally 2.91%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 60 Month Premium
$50,000
1.00% ▼ 1.45% below Massachusetts avg
View
▼
Rate1.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 1.45% below avgNationally 2.91%
Details

Premium

Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 22, 2026: 1.00% APYSep 22, 2026Oct 14, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
213 Independence Ave, Quincy, MA 02169
Certificate Accounts - 60 Month
$500
0.90% ▼ 1.55% below Massachusetts avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 1.55% below avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Sep 22, 2026: 0.90% APYSep 22, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
60 Month Certificate of Deposit
$0
0.03% ▼ 2.42% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 2.42% below avgNationally 2.91%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 60 Months
$250
0.03% ▼ 2.42% below Massachusetts avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 2.42% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
60 Month Certificate of Deposit
$0
0.02% ▼ 2.43% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 2.43% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 60 Months
$250
0.02% ▼ 2.43% below Massachusetts avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 2.43% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
60 Month Certificate of Deposit
$0
0.01% ▼ 2.44% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 2.44% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
227 Hancock St, Quincy, MA 02171
IRA CD - 60 Months
$250
0.01% ▼ 2.44% below Massachusetts avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▼ 2.44% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
60 Month Certificate of Deposit
$1,000
4.75% ▲ 2.30% above Massachusetts avg
View
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 2.30% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 13, 2026: 4.75% APYOct 13, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$50,000
4.44% ▲ 1.99% above Massachusetts avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.99% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
3.08%4.10%5.12%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$50,000
4.44% ▲ 1.99% above Massachusetts avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.99% above avgNationally 2.91%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.44% ▲ 0.83 pts · high 4.44% / low 3.61%
2.78%4.03%5.27%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40% ▲ 1.95% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.95% above avgNationally 2.91%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40% ▲ 1.95% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.95% above avgNationally 2.91%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 5 Years
$1,000
4.35% ▲ 1.90% above Massachusetts avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.90% above avgNationally 2.91%
Details

Monthly Service Charge:

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.30% ▲ 1.85% above Massachusetts avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.85% above avgNationally 2.91%
Details

Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$500
4.28% ▲ 1.83% above Massachusetts avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$500
4.28% ▲ 1.83% above Massachusetts avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 60 Month (jumbo)
$50,000
4.28% ▲ 1.83% above Massachusetts avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.91%
Details

Jumbo share certificate; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month IRA Certificates
$500
4.25% ▲ 1.80% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.80% above avgNationally 2.91%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 60 Month
$1,000
4.25% ▲ 1.80% above Massachusetts avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.80% above avgNationally 2.91%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
60 Month Certificate
$1,000
4.23% ▲ 1.78% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.78% above avgNationally 2.91%
Details

Regular Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
60 Month IRA Certificate
$1,000
4.23% ▲ 1.78% above Massachusetts avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.78% above avgNationally 2.91%
Details

IRA Share Certificate; Dividend rate; APY*

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYSep 25, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 month Certificate
$0
4.20% ▲ 1.75% above Massachusetts avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.91%
Details

Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 month IRA Certificate
$0
4.20% ▲ 1.75% above Massachusetts avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.91%
Details

IRA Term Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Months Term Share Certificate (CD & IRA)
$500
4.20% ▲ 1.75% above Massachusetts avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.91%
Details

Regular CD - min $500; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 30, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 30, 2026: 4.20% APYSep 30, 2026Oct 14, 2026
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Share Certificates - 60 Month
$500
4.18% ▲ 1.73% above Massachusetts avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.73% above avgNationally 2.91%
Details

$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
2.82%3.84%4.86%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.18%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60-Month Certificate of Deposit
$1,000
4.07% ▲ 1.62% above Massachusetts avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.62% above avgNationally 2.91%
Details

Dividend Rate: 4.00%

Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 24, 2026: 4.07% APYSep 24, 2026Oct 14, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
Certificate - 60 months
$2,500
3.82% ▲ 1.37% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.37% above avgNationally 2.91%
Details

Regular term and IRA Certificates

Rate History
No change since Oct 14, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 14, 2026
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
60 Month Fixed
$0
3.81% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.91%
Details

IRA Savings Rates; Rates effective as of October 5, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 9, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Term Deposit - 60 Month
$0
3.81% ▲ 1.36% above Massachusetts avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.91%
Details

Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.81% APY
3.31%3.81%4.31%Oct 13, 2026: 3.81% APYOct 13, 2026Oct 14, 2026
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
5 Year Certificate
$0
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate 5 Years
$0
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Certificates - 60 Month
$500
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
Details

Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
I.R.A. Certificates - 60 Month
$200
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
CENTRAL ONE
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
60 Month Premium Certificate
$0
3.75% ▲ 1.30% above Massachusetts avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
Details

Member must be at least 18 years of age and have a minimum monthly direct deposit of $1,500 into a Premium Checking account; minimum opening deposit of $10,000 for Premium Certificate

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD - Premier5 Banking
$1,000
3.60% ▲ 1.15% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.91%
Details

Premier5 Banking APY

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 60 Month CD
$1,000
3.60% ▲ 1.15% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.91%
Details

Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 60 Month - Premier5 Banking
$1,000
3.60% ▲ 1.15% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.91%
Details

Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD - PrimaryPlus Banking
$1,000
3.58% ▲ 1.13% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.13% above avgNationally 2.91%
Details

PrimaryPlus Banking APY

Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 3 times
3.08%3.58%4.08%Oct 7, 2026: 3.58% APYOct 7, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 60 Month - PrimaryPlus Banking
$1,000
3.58% ▲ 1.13% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.13% above avgNationally 2.91%
Details

PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.58% APY
3.08%3.58%4.08%Oct 14, 2026: 3.58% APYOct 14, 2026Oct 14, 2026
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD
$1,000
3.55% ▲ 1.10% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
1.95%3.15%4.35%Sep 18, 2026: 2.75% APYOct 7, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Certificates of Deposit - 60 Month CD
$1,000
3.55% ▲ 1.10% above Massachusetts avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
Details

Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply

Rate History
1 change since Sep 18, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 18, 2026: 2.80% APYOct 7, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Quincy, Massachusetts Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Eastern Bank
18 Month CD/IRA CD
A+ 5.0 ★ TX: 2.61%
Min: $2,500
4.30%
Rockland Trust
Select 18-Month CD
A+ 5.0 ★ TX: 2.64%
Min: $1,000
4.15%
Santander Bank
18-Month CD
A 5.0 ★ TX: 8.00%
Min: $500
4.00%
Citizens Access
1 Year Online CD
A+ 5.0 ★ TX: 5.44%
Min: $0
3.25%
TruNorth Bank
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.91%
Min: $1,000
2.65%
CU Top 5 Credit Union Rates
Mass Bay Credit Union
Certificates - 24 Months
A 5.0 ★ TX: 6.39%
Min: $500
4.25%
Quincy Credit Union
6 Month Standard Share Certificate
A+ 5.0 ★ TX: 3.24%
Min: $1,000
3.85%
BrightBridge Credit Union
Certificate Accounts - 3 Month Premium
A+ 5.0 ★ TX: 5.49%
Min: $50,000
3.65%
Taupa Lithuanian Federal Credit Union
CD's and IRA's - 6 months
C 4.0 ★ TX: 27.61%
Min: $500
3.50%
Rockland Federal Credit Union
3 Year Share Certificate
A+ 5.0 ★ TX: 3.09%
Min: $0
4.75%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Quincy, MA CD Rate Trends

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

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

View Full Massachusetts CD Trends
12-Month CD MA Avg
2.802%
▲ 0.054 vs 7 days ago

Massachusetts 12-month CD rates rose 0.054 points over the past 7 days to 2.802% APY.

6-Month CD MA Avg
2.688%
▲ 0.032 vs 7 days ago

Massachusetts 6-month CD rates rose 0.032 points over the past 7 days to 2.688% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

MA CD Rate Forecast, Next 12 Months

Where are Massachusetts CD rates headed through October 2027?

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

MA 12-Month Avg APY
2.802%
6-Month Forecast
2.802%
Range: 2.60%, 2.95%
12-Month Forecast
3.052%
Range: 2.85%, 3.20%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Massachusetts average 12-month CD APY in our database.

Spread model: The Massachusetts 12-month CD average currently trades 1.57% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

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

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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 1.948% $97.42 $194.84 $487.10 $974.20
6-Month CD 2.688% $134.42 $268.84 $672.10 $1,344.20
12-Month CD 2.802% $140.12 $280.23 $700.57 $1,401.15
18-Month CD 2.831% $141.56 $283.11 $707.78 $1,415.55
24-Month CD 2.636% $131.79 $263.58 $658.95 $1,317.90
36-Month CD 2.461% $123.05 $246.10 $615.25 $1,230.50
48-Month CD 2.308% $115.41 $230.83 $577.07 $1,154.15
60-Month CD 2.450% $122.51 $245.02 $612.55 $1,225.10
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Quincy, Massachusetts Savers

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

Build Your Ladder
Rung Term Deposit MA Avg APY Annual Earnings
1 3-Month CD $5,000 1.948% $97.42
2 6-Month CD $5,000 2.688% $134.42
3 12-Month CD $5,000 2.802% $140.12
4 24-Month CD $5,000 2.636% $131.79
5 36-Month CD $5,000 2.461% $123.05
Total ($25,000 invested) $25,000 2.507% blended $626.80/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.

Powered byMonitorBankRates
1,595
CD Rates
Tracked in Quincy, Massachusetts
62 Banks 61 Credit Unions

About Our Quincy, Massachusetts CD Rate Database

MonitorBankRates tracks 1,595 CD rates from 62 banks and 61 credit unions with locations in Quincy, Massachusetts, plus national online institutions available to Massachusetts residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Eastern Bank offers a CD at 4.30% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Quincy, Massachusetts.

How to Find the Best CD Rates in Quincy, Massachusetts

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

To find the best APYs in Quincy, Massachusetts, start with credit unions and online-only banks: Quincy, Massachusetts has 61 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 Quincy, 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 Quincy, Massachusetts: 123 institutions here report CD rates

Consider an Alternative If…

Quincy, Massachusetts Financial Snapshot

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

Population 65+
17.7%
National avg: 17.3%
Median Individual Earnings
$57,968
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
6.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$162/yr
At MA 12-mo avg 2.802% APY

17.7% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MA 12-month CD average of 2.802%, saving 10% of the local median salary ($5,796/year) and putting it in a CD would earn an additional $162 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 Quincy, Massachusetts

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

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

How Certificates of Deposit Work in Quincy, 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 Quincy, 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 Quincy, Massachusetts as everywhere in the U.S.

Choosing a CD Term in Quincy, 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 Quincy, Massachusetts savers easier access to their funds. For example, Eastern Bank is offering its 6 Month CD/IRA CD at 3.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mass Bay Credit Union is offering its Certificates - 60 Months at 3.35% 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 Quincy, 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 Quincy, 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 Quincy, 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 Quincy, 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 Quincy, Massachusetts

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

Are CD rates in Quincy, Massachusetts FDIC insured?

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

Here are recent top rates found for this area:
  • Eastern Bank: 4.30% APY (18 Month CD/IRA CD)
  • Mass Bay Credit Union: 4.25% APY (Certificates - 24 Months)
  • Rockland Trust: 4.15% APY (Select 18-Month CD)
  • Santander Bank: 4.00% APY (18-Month CD)
  • Quincy Credit Union: 3.85% APY (6 Month Standard Share Certificate)
  • BrightBridge Credit Union: 3.65% APY (Certificate Accounts - 3 Month Premium)
  • Taupa Lithuanian Federal Credit Union: 3.50% APY (CD's and IRA's - 6 months)
  • Citizens Access: 3.25% APY (1 Year Online CD)
  • TruNorth Bank: 2.65% APY (12 Month Certificate of Deposit)
  • MountainOne Bank: 2.50% APY (48 Month IRA Certificate)
Rates reflect recent verified offers available in Quincy, Massachusetts. Last Updated: October 14, 2026

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

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Quincy, Massachusetts CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Quincy, Massachusetts. Averages shown use the Massachusetts state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Quincy, Massachusetts

Quincy, Massachusetts CD Calculator

At today’s MA top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.

Quincy, Massachusetts CD Ladder

MA CD rates currently range from 1.948% (3-month) to 2.461% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Quincy, Massachusetts CD at 4.30% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Massachusetts’s average 12-month CD is 2.802% 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 Quincy, 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 Quincy, 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 Quincy, Massachusetts. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MA.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026

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