Turners Falls, Massachusetts CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
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Current Turners Falls, Massachusetts CD rates include Greenfield Co-operative BankGreenfield Co-operative Bank176 Avenue A, Turners Falls, MA 01376A+5.0 ★Texas Ratio: 1.89%Real return: -0.78%APY minus CPI (February 2026) offering 36 Month at 2.02% APY, Workers Federal Credit UnionWorkers Federal Credit UnionA5.0 ★Texas Ratio: 8.41%Real return: +1.37%APY minus CPI (February 2026) offering 12 Months at 4.17% APY, Institution for SavingsInstitution for SavingsA+5.0 ★Texas Ratio: 0.11%Real return: +1.25%APY minus CPI (February 2026) offering 24-Month CD at 4.05% APY, Winchester Co-operative BankWinchester Co-operative BankA+5.0 ★Texas Ratio: 4.21%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month TDC at 4.05% APY, and Leader BankLeader BankA+5.0 ★Texas Ratio: 0.18%Real return: +1.25%APY minus CPI (February 2026) offering 6 Months at 4.05% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Turners Falls has 8 local institutions in our database, with CD rates as high as 2.02% APY from Greenfield Co-operative Bank at 176 Avenue A, Turners Falls, MA 01376. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Turners Falls, Massachusetts & the Surrounding Area
Turners Falls 3 Month CD Rates
Limited Time Offer
APY: Annual Percentage Yield
Term Certificates (Minimum to Open $1,000.00)
Earn Up To
Annual Percentage Yield
Visit a branch
New Money Only: No; May be used for Traditional and Roth accounts: No
Relationship APY
Dividend Rate with 2,500 Co-op Points: 1.25%; APY with 2,500 Co-op Points: 1.25%
Penalty: 30 Days Interest
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Turners Falls 6 Month CD Rates
(1)
Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Minimum Balance: Bal. $500.00 & More
balances $100,000+; Guaranteed return; No deposit limit; Federally insured
Jumbo APY: 3.75%; Jumbo Rate: 3.68%
Term Certificates (Minimum to Open $1,000.00)
APY: Annual Percentage Yield
LIMITED TIME ONLY
Turners Falls 12 Month CD Rates
No hoops to jump through - just reliable growth and easy online opening!
Open Online
Visit a branch
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Term Certificates (Minimum to Open $1,000.00)
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Minimum Balance: Bal. $500.00 & More
Open an Account at Any Location
Open an Account at Any Location
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Turners Falls 18 Month CD Rates
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Open an Account at Any Location
Open an Account at Any Location
Penalty: 120 Days Interest
Dividend Rate with 2,500 Co-op Points: 3.50%; APY with 2,500 Co-op Points: 3.55%
Term Certificates (Minimum to Open $1,000.00)
New Money Only: No; May be used for Traditional and Roth accounts: Yes
Tier 1 Rate: 3.21% for balances $500-$24,999.99; Tier 1 APY: 3.25% for balances $500-$24,999.99; Tier 2 Rate: 3.21% for balances $25,000 or more; Tier 2 APY: 3.25% for balances $25,000 or more
Visit a branch
Visit a branch
Plus Spending APY: 3.03%; Premier Spending APY: 3.05%
PrimaryPlus Banking APY: 3.03%; Premier5 Banking APY: 3.05%
Turners Falls 24 Month CD Rates
No hoops to jump through - just reliable growth and easy online opening!
Minimum Balance: Bal. $500.00 & More
Open Online
Visit a branch
Tier 1 Rate: 3.61% for balances $500-$24,999.99; Tier 1 APY: 3.67% for balances $500-$24,999.99; Tier 2 Rate: 3.61% for balances $25,000 or more; Tier 2 APY: 3.67% for balances $25,000 or more
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Open an Account at Any Location
Open an Account at Any Location
Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Dividend Rate with 2,500 Co-op Points: 3.60%; APY with 2,500 Co-op Points: 3.66%
Penalty: 120 Days Interest
There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Term Certificates (Minimum to Open $1,000.00)
Jumbo APY: 3.25%; Jumbo Rate: 3.20%
Plus Spending APY: 3.03%; Premier Spending APY: 3.05%
Turners Falls 36 Month CD Rates
Term Certificates (Minimum to Open $1,000.00)
Dividend Rate with 2,500 Co-op Points: 3.65%; APY with 2,500 Co-op Points: 3.71%
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Visit a branch
Visit a branch
Jumbo APY: 3.30%; Jumbo Rate: 3.25%
Tier 1 Rate: 3.21% for balances $500-$24,999.99; Tier 1 APY: 3.25% for balances $500-$24,999.99; Tier 2 Rate: 3.21% for balances $25,000 or more; Tier 2 APY: 3.25% for balances $25,000 or more
Penalty: 120 Days Interest
**
Plus Spending APY: 3.03%; Premier Spending APY: 3.05%
Minimum Balance: Bal. $500.00 & More
Open an Account at Any Location
Open an Account at Any Location
PrimaryPlus Banking APY: 3.03%; Premier5 Banking APY: 3.05%
Turners Falls 48 Month CD Rates
Term Certificates (Minimum to Open $1,000.00)
Dividend Rate with 2,500 Co-op Points: 3.70%; APY with 2,500 Co-op Points: 3.76%
Jumbo APY: 3.30%; Jumbo Rate: 3.25%
Visit a branch
Visit a branch
Annual Percentage Yield is effective as of 6/1/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
**
Minimum Balance: Bal. $500.00 & More
Open an Account at Any Location
Open an Account at Any Location
Plus Spending APY: 2.78%; Premier Spending APY: 2.80%
PrimaryPlus Banking APY: 2.78%; Premier5 Banking APY: 2.80%
New Money Only: No; May be used for Traditional and Roth accounts: Yes
Penalty: 120 Days Interest
Turners Falls 60 Month CD Rates
Earn Up To
Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81%
Jumbo APY: 3.55%; Jumbo Rate: 3.49%
Term Certificates (Minimum to Open $1,000.00)
Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Tier 1 Rate: 3.21% for balances $500-$24,999.99; Tier 1 APY: 3.25% for balances $500-$24,999.99; Tier 2 Rate: 3.21% for balances $25,000 or more; Tier 2 APY: 3.25% for balances $25,000 or more
Annual Percentage Yield is effective as of 6/1/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Visit a branch
Visit a branch
**
Minimum Balance: Bal. $500.00 & More
Open an Account at Any Location
Open an Account at Any Location
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Turners Falls, MA CD Rate Trends
Compare local Turners Falls, MA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Massachusetts 12-month CD rates rose 0.233 points over the past 7 days to 2.414% APY.
Massachusetts 6-month CD rates fell 0.145 points over the past 7 days to 2.654% APY.
MA CD Rate Forecast — Next 12 Months
Where are Massachusetts CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.318% | $115.89 | $231.77 | $579.43 | $1,158.85 |
| 6-Month CD | 2.654% | $132.72 | $265.44 | $663.60 | $1,327.20 |
| 12-Month CD | 2.414% | $120.69 | $241.37 | $603.43 | $1,206.85 |
| 18-Month CD | 1.995% | $99.77 | $199.54 | $498.85 | $997.70 |
| 24-Month CD | 2.204% | $110.18 | $220.35 | $550.88 | $1,101.75 |
| 36-Month CD | 1.922% | $96.08 | $192.15 | $480.38 | $960.75 |
| 48-Month CD | 1.969% | $98.47 | $196.94 | $492.35 | $984.70 |
| 60-Month CD | 2.320% | $116.02 | $232.04 | $580.10 | $1,160.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Turners Falls, Massachusetts Savers
$25,000 split equally across 5 terms using today’s Massachusetts average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.318% | $115.89 |
| 2 | 6-Month CD | $5,000 | 2.654% | $132.72 |
| 3 | 12-Month CD | $5,000 | 2.414% | $120.69 |
| 4 | 24-Month CD | $5,000 | 2.204% | $110.18 |
| 5 | 36-Month CD | $5,000 | 1.922% | $96.08 |
| Total ($25,000 invested) | $25,000 | 2.302% blended | $575.56/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.
Tracked in Turners Falls, Massachusetts
About Our Turners Falls, Massachusetts CD Rate Database
MonitorBankRates tracks 652 CD rates from 57 banks and 36 credit unions with locations in Turners Falls, Massachusetts, plus national online institutions available to Massachusetts residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Greenfield Co-operative Bank offers a CD at 2.02% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Turners Falls, Massachusetts.
How to Find the Best CD Rates in Turners Falls, Massachusetts
What to compare when shopping for a CD in Turners Falls, Massachusetts
To find the best APYs in Turners Falls, Massachusetts, start with credit unions and online-only banks — Turners Falls, Massachusetts has 36 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 Turners Falls, 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 Turners Falls, Massachusetts — 93 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Turners Falls, Massachusetts savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Turners Falls, Massachusetts money market rates
Turners Falls, Massachusetts Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
21.4% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s MA 12-month CD average of 2.414%, saving 10% of the local median salary ($3,948/year) and putting it in a CD would earn an additional $95 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 Turners Falls, Massachusetts
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Turners Falls, 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 Turners Falls, 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 Turners Falls, Massachusetts as everywhere in the U.S.
Choosing a CD Term in Turners Falls, 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 Turners Falls, Massachusetts savers easier access to their funds. For example, Greenfield Co-operative Bank is offering its 6 Month at 0.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Greenfield Co-operative Bank is offering its 60 Month at 0.90% 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 Turners Falls, 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 Turners Falls, 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 Turners Falls, 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 Turners Falls, 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 Turners Falls, Massachusetts
Most CDs carry a fixed rate that is locked for the entire term, protecting a Turners Falls, 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 Turners Falls, Massachusetts
Are CD rates in Turners Falls, Massachusetts FDIC insured?
Do I have to pay state taxes on CD interest in Turners Falls, Massachusetts?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Turners Falls, Massachusetts?
- Greenfield Co-operative Bank: 2.02% APY (36 Month)
- Workers Federal Credit Union: 4.17% APY (12 Months)
- Leader Bank: 4.05% APY (6 Months)
- Institution for Savings: 4.05% APY (12-Month CD)
- Winchester Co-operative Bank: 4.05% APY (12 Month IRA TDC)
- Shrewsbury Federal Credit Union: 4.02% APY (6 Month Certificate)
- First Priority Credit Union Boston, MA: 4.00% APY (12 months)
- Lynn Firemens Federal Credit Union: 4.00% APY (1 year CD)
- Webster Bank: 4.00% APY (Private 3-Month CD)
- Walpole Co-operative Bank: 3.95% APY (6 Month Certificate)
CD Calculators for Turners Falls, Massachusetts
At today’s MA top rate of 2.02% APY, a $10,000 deposit earns $202 in the first year. Enter your amount to see your exact return.
Turners Falls, Massachusetts CD LadderMA CD rates currently range from 2.318% (3-month) to 1.922% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Turners Falls, Massachusetts CD at 2.02% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.414% 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 Turners Falls, 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 Turners Falls, 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 Turners Falls, 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.
Turners Falls, Massachusetts Rates & Resources
