West Chesterfield, Massachusetts Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
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.
West Chesterfield, Massachusetts CD rates from banks and credit unions serving Massachusetts range from 2.00% to 5.05% APY, verified by MonitorBankRates as of October 31, 2026. Current West Chesterfield, Massachusetts CD rates include Usalliance Credit UnionUsalliance Credit UnionA5.0 ★Texas Ratio: 8.11%Real return: +1.35%APY minus CPIRate verified Oct 30, 2026 offering 18 Month Certificate at 5.05% APY, Energy Credit UnionEnergy Credit UnionA+5.0 ★Texas Ratio: 5.81%Real return: +1.05%APY minus CPIRate verified Oct 29, 2026 offering 60 Month Certificate of Deposit at 4.75% APY, Leader BankLeader BankA+5.0 ★Texas Ratio: 0.22%Real return: +1.00%APY minus CPIRate verified Oct 31, 2026 offering Certificate of Deposit - 4 Years at 4.70% APY, Direct Federal Credit UnionDirect Federal Credit UnionA+5.0 ★Texas Ratio: 2.68%Real return: +0.95%APY minus CPIRate verified Oct 28, 2026 offering 18 Month CD Share Certificate - Jumbo at 4.65% APY, and Cranberry Federal Credit UnionCranberry Federal Credit UnionA+5.0 ★Texas Ratio: 5.35%Real return: +0.89%APY minus CPIRate verified Oct 29, 2026 offering 12-Month Traditional/Roth IRA CD at 4.59% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
West Chesterfield is a smaller community with no bank or credit union branches currently in our database. 783 institutions serving the Massachusetts area are available to West Chesterfield residents, with CD rates as high as 5.05% APY from Usalliance Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026
Compare Best CD Rates in West Chesterfield, Massachusetts & the Surrounding Area
West Chesterfield 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 Month Certificate of Deposit
$0
4.50%
▲ 2.43% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 2.43% above avgNationally 2.13%
Details
Rates accurate as of August 14, 2024
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
- Oct 26, 20264.50%▲ from 3.90%
- Sep 18, 20263.90%first recorded
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Certificate of Deposit - 3 Months
$0
4.50%
▲ 2.43% above Massachusetts avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 2.43% above avgNationally 2.13%
Details
Rates accurate as of August 14, 2024
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Month CD Share Certificate - Jumbo
$250
4.40%
▲ 2.33% above Massachusetts avg
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.33% above avgNationally 2.13%
Details
Jumbo rates apply for deposits of $100,000 or more; New Money Only
Rate History
No change since Oct 28, 2026 · 4.40% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Month CD Share Certificate
$250
4.35%
▲ 2.28% above Massachusetts avg
▼
Rate4.26%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.28% above avgNationally 2.13%
Details
New Money Only
Rate History
No change since Oct 28, 2026 · 4.35% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Direct Choice - 3 Months
$0
4.35%
▲ 2.28% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.28% above avgNationally 2.13%
Details
4.40% APY on balances $100,000+; New Money Only
Rate History
No change since Oct 28, 2026 · 4.35% APY
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month CD
$500
4.30%
▲ 2.23% above Massachusetts avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 2.23% above avgNationally 2.13%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 4.30% ▲ 1.10 pts · high 4.30% / low 3.20%
- Oct 26, 20264.30%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3 Month High-Yield Certificates of Deposit
$1,000
4.25%
▲ 2.18% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 2.18% above avgNationally 2.13%
Details
Market-Leading Rates; Rates effective as of 9/22/26
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 7 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10%
▲ 2.03% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 2.03% above avgNationally 2.13%
Details
Rate History
No change since Oct 28, 2026 · 4.10% APY
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 3 Months
$0
4.00%
▲ 1.93% above Massachusetts avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.93% above avgNationally 2.13%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 26, 20264.00%▲ from 3.85%
- Oct 14, 20263.85%first recorded
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month CD
$1,000
4.00%
▲ 1.93% above Massachusetts avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.93% above avgNationally 2.13%
Details
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 31, 20264.00%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00%
▲ 1.93% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.93% above avgNationally 2.13%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month Certificate of Deposit
$0
3.85%
▲ 1.78% above Massachusetts avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 1.78% above avgNationally 2.13%
Details
SPECIAL
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 4 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate of Deposit
$1,000
3.80%
▲ 1.73% above Massachusetts avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.73% above avgNationally 2.13%
Details
Open Online
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 12 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month IRA Certificate of Deposit
$250
3.80%
▲ 1.73% above Massachusetts avg
▼
Rate3.73%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.73% above avgNationally 2.13%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 11 times
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Certificates of Deposit (CD) - 3 month
$500
3.75%
▲ 1.68% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.07%▲ 1.68% above avgNationally 2.13%
Details
Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month Premium Certificate
$50,000
3.65%
▲ 1.58% above Massachusetts avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.58% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
Goldmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
3.61%
▲ 1.54% above Massachusetts avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 1.54% above avgNationally 2.13%
Details
Certificate of Deposit and IRA Certificate of Deposit Accounts; Rates fixed at account opening; early withdrawal penalties may apply
Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 3 times
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$1,000
3.60%
▲ 1.53% above Massachusetts avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.53% above avgNationally 2.13%
Details
Minimum Balance To Earn APY: $1000
Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month Certificate
$500
3.55%
▲ 1.48% above Massachusetts avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.48% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate of Deposit
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Certificate of Deposit - 3 Months
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Minimum balance of $1,000 required to obtain disclosed APY
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
3 Month Fixed Rate CD
$0
3.50%
▲ 1.43% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 4 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - 3 Month
$0
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Balance: $1,000 & up; Requires Prime Time Checking account
Rate History
No change since Oct 27, 2026 · 3.50% APY
Westport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Certificates - 3 Months
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Penalty on early withdrawal of certificates applies
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Westport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA Certificates - 3 Months
$1,000
3.50%
▲ 1.43% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Penalty on early withdrawal of certificates applies
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship CD - 3 Month
$100,000
3.50%
▲ 1.43% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 3 Month
$500
3.50%
▲ 1.43% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.43% above avgNationally 2.13%
Details
Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking; 3 month term is for Certificates only, not IRAs
Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
- Oct 14, 20263.50%▲ from 0.65%
- Sep 14, 20260.65%first recorded
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificate
$500
3.39%
▲ 1.32% above Massachusetts avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.07%▲ 1.32% above avgNationally 2.13%
Details
Effective Date: March 13, 2026
Rate History
No change since Sep 24, 2026 · 3.39% APY · checked 6 times
MutualOne Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.48%
CD Specials - 3 Month CD
$500
3.35%
▲ 1.28% above Massachusetts avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.28% above avgNationally 2.13%
Details
New money to the Bank required; Interest paid at maturity
Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 4 times
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3-Month CD
$1,000
3.35%
▲ 1.28% above Massachusetts avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.07%▲ 1.28% above avgNationally 2.13%
Details
Rates effective: May 8, 2026
Rate History
2 changes since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.00%
- Oct 27, 20263.35%▲ from 3.00%
- Oct 22, 20263.00%▼ from 3.35%
- Sep 14, 20263.35%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Certificate & IRA 3 Month
$500
3.35%
▲ 1.28% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.28% above avgNationally 2.13%
Details
Certificates and IRAs; 3 month term available for Certificates only
Rate History
No change since Oct 26, 2026 · 3.35% APY · checked 2 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Jumbo Certificate - 3 Month
$100,000
3.35%
▲ 1.28% above Massachusetts avg
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.28% above avgNationally 2.13%
Details
Balance: $100,000.00 minimum daily balance to earn APY
Rate History
No change since Oct 26, 2026 · 3.35% APY · checked 2 times
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
3 Month Jumbo Certificate
$25,000
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Share & IRA Certificate
$0
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Certain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Share Certificate
$0
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 10 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
Business Share Certificate - 3 Months
$0
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Call To Get Started; Penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
Share Certificate 3 Months
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 3 times
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CD
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 13 times
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
CD Specials - 3 Month CD
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
CD Specials Rates; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 4 times
Coastal Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
Certificate of Deposit - 3 Months
$1,000
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
Coastal Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
IRA Certificate of Deposit - 3 Months
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Certificate of Deposit - 3 Month
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Open an Account: Visit a branch
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
Certificate of Deposit - 3 Month
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
First Technology Federal Credit Union
3-Month Share Certificate
$0
3.25%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Featured on homepage rates banner; minimum balance per Rate Sheet (not included in source)
Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
First Technology Federal Credit Union
IRA Certificates - 3-Month
$100,000
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$100,000
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Term Share Certificates - 3 Months
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Certificate of Deposit - 3 Months
$500
3.25%
▲ 1.18% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposits - 3 Months
$1,000
3.25%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Certificates - 3 Months
$1,000
3.25%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.07%▲ 1.18% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
West Chesterfield 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 Month Certificate of Deposit
$0
4.50%
▲ 1.80% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.80% above avgNationally 2.79%
Details
Rates accurate as of August 14, 2024
Rate History
1 change since Sep 18, 2026 · 4.07% → 4.50% ▲ 0.43 pts · high 4.50% / low 4.07%
- Oct 26, 20264.50%▲ from 4.07%
- Sep 18, 20264.07%first recorded
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Certificate of Deposit - 6 Months
$0
4.50%
▲ 1.80% above Massachusetts avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.80% above avgNationally 2.79%
Details
Rates accurate as of August 14, 2024
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.40%
▲ 1.70% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.70% above avgNationally 2.79%
Details
Maximum opening deposit amount of $500,000.00; Fees could reduce earnings; early withdrawal penalty may apply; CD automatically renews at then-offered rate
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 23, 20264.40%▲ from 4.30%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Community Certificate of Deposit Special
$1,000
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Rate History
1 change since Oct 20, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 26, 20264.25%▲ from 3.75%
- Oct 20, 20263.75%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6-Month CD
$1,000
4.25%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Minimum balance to open and earn APY is $1,000; $250,000 maximum deposit; Rate effective as of 26 October, 2026
Rate History
1 change since Oct 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 26, 20264.25%▲ from 4.20%
- Oct 14, 20264.20%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 6 Months
$0
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 26, 20264.25%▲ from 4.20%
- Oct 14, 20264.20%first recorded
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month Business CD
$5,000
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Minimum to open $5,000 and minimum required to earn APY $5,000; Rates effective as of October 14, 2026; Business CDs are subject to a penalty for early withdrawal
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6-Month CD
$25,000
4.25%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Rate History
No change since Oct 28, 2026 · 4.25% APY
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
6 Month High-Yield Certificates of Deposit
$1,000
4.25%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Market-Leading Rates; Rates effective as of 9/22/26
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 7 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month CD
$0
4.25%
▲ 1.55% above Massachusetts avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.55% above avgNationally 2.79%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 30, 20264.25%▲ from 4.20%
- Oct 1, 20264.20%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate of Deposit Special
$1,000
4.20%
▲ 1.50% above Massachusetts avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.50% above avgNationally 2.79%
Details
Rate History
1 change since Oct 20, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 26, 20264.20%▲ from 3.70%
- Oct 20, 20263.70%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month Certificate of Deposit
$1,000
4.20%
▲ 1.50% above Massachusetts avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.50% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Month Certificate
$2,500
4.10%
▲ 1.40% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.40% above avgNationally 2.79%
Details
Personal or Business; Interest Rate Tier: N/A
Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 8 times
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA 6 Month Certificate
$2,500
4.10%
▲ 1.40% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.40% above avgNationally 2.79%
Details
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
Canton Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
CDs & IRA CDs - 6 Month
$1,000
4.10%
▲ 1.40% above Massachusetts avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.40% above avgNationally 2.79%
Details
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Certificates of Deposit - 6 Months
$0
4.07%
▲ 1.37% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.37% above avgNationally 2.79%
Details
Rate History
1 change since Oct 15, 2026 · 3.66% → 4.07% ▲ 0.41 pts · high 4.07% / low 3.66%
- Oct 23, 20264.07%▲ from 3.66%
- Oct 15, 20263.66%first recorded
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Certificate of Deposit - 6 Month SPECIAL
$1,000
4.07%
▲ 1.37% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.37% above avgNationally 2.79%
Details
Available as IRA CD
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 4 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificate Tier 1 - 6 Month
$500
4.04%
▲ 1.34% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.34% above avgNationally 2.79%
Details
Tier 1; Minimum Deposit ($500); Tier level determined by opening deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under
Rate History
No change since Oct 23, 2026 · 4.04% APY · checked 2 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificate Tier 2 - 6 Month
$25,000
4.04%
▲ 1.34% above Massachusetts avg
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.34% above avgNationally 2.79%
Details
Tier 2; Minimum Deposit ($25,000); Tier level determined by opening deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under
Rate History
No change since Oct 23, 2026 · 4.04% APY · checked 2 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
Share Certificate - 6 Month
$500
4.04%
▲ 1.34% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.34% above avgNationally 2.79%
Details
Tier 1; Dividend Penalty: 2 Month for early withdrawal; Tier level determined by opening deposit
Rate History
No change since Sep 16, 2026 · 4.04% APY · checked 3 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
6 Month CD
$500
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 11 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
6 Month Share & IRA Certificate
$0
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Certain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
6 Month Share Certificate
$0
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Minimum deposit of $250 for the 6-month term
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
Business Share Certificate - 6 Months
$0
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Call To Get Started; $250 minimum for 6-month term; Penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
Share Certificate 6 Months
$250
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Homeowner CD - 6-Month CD
$0
4.00%
▲ 1.30% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Earn additional annualized bonus equal to interest in first six months if you also close on a home mortgage loan with Leader Bank within the six-month term (additional 4.00%); 8.00% effective annualized return
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Months CD
$0
4.00%
▲ 1.30% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Certificates of Deposit Specials
Rate History
3 changes since Sep 24, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.40% / low 3.40%
- Oct 31, 20264.00%▼ from 4.40%
- Oct 20, 20264.40%▲ from 4.15%
- Oct 14, 20264.15%▲ from 3.40%
- Sep 24, 20263.40%first recorded
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
6 Month CD
$1,000
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 31, 20264.00%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
6-Month CD
$500
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Balance: $500.00 & More; Rates current as of 10/21/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month CD
$500
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Minimum to open $500; minimum required to earn APY $500; maximum deposit $250,000.00; subject to early withdrawal penalty
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month IRA Certificate
$500
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.00% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 6 Month
$1,000
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
6 Month Certificate
$0
4.00%
▲ 1.30% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- 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%
▲ 1.30% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.30% above avgNationally 2.79%
Details
Rate History
1 change since Oct 5, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 9, 20264.00%▲ from 3.65%
- Oct 5, 20263.65%first recorded
Brotherhood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6-Month IRA
$0
3.97%
▲ 1.27% above Massachusetts avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.27% above avgNationally 2.79%
Details
Rate History
No change since Oct 22, 2026 · 3.97% APY · checked 3 times
Brotherhood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Certificate of Deposit - 6-Month
$0
3.97%
▲ 1.27% above Massachusetts avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.27% above avgNationally 2.79%
Details
Dividend rate 3.90%
Rate History
No change since Oct 22, 2026 · 3.97% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.25% above avgNationally 2.79%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 5 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95%
▲ 1.25% above Massachusetts avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.25% above avgNationally 2.79%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; Less than 1 Year certificate dividends post at maturity
Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 3 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 6 Months
$0
3.95%
▲ 1.25% above Massachusetts avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.25% above avgNationally 2.79%
Details
Rates effective as of 10/23/2026; NCUA-insured; Certificate rate fixed upon opening; Dividend 3.910%
Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 3 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 6 month Certificate
$0
3.95%
▲ 1.25% above Massachusetts avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.25% above avgNationally 2.79%
Details
Rate History
No change since Oct 23, 2026 · 3.95% APY · checked 2 times
All One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Term Share Certificate - 6 Month
$500
3.95%
▲ 1.25% above Massachusetts avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.25% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 3 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 Months Term Share Certificate
$0
3.95%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.25% above avgNationally 2.79%
Details
Regular CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 3.95% APY
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate of Deposit
$1,000
3.90%
▲ 1.20% above Massachusetts avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.20% above avgNationally 2.79%
Details
Open Online
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 12 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month IRA Certificate of Deposit
$250
3.90%
▲ 1.20% above Massachusetts avg
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.70%▲ 1.20% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 11 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month Term Deposit Certificate
$500
3.90%
▲ 1.20% above Massachusetts avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.70%▲ 1.20% above avgNationally 2.79%
Details
Penalty may be applied on funds withdrawn prior to maturity; Minimum daily balance to obtain APY $10.00
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 8 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business Term Deposit Certificates (TDC) - 6 Month TDC
$500
3.90%
▲ 1.20% above Massachusetts avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.70%▲ 1.20% above avgNationally 2.79%
Details
Penalty may be applied on funds withdrawn prior to maturity; APY effective 10/01/2026 and subject to change
Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Deposit Certificates (TDC) - 6 Month TDC
$500
3.90%
▲ 1.20% above Massachusetts avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.70%▲ 1.20% above avgNationally 2.79%
Details
Minimum daily balance to obtain APY $10.00; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 2 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD/IRA CD
$2,500
3.90%
▲ 1.20% above Massachusetts avg
▼
Rate3.86%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.70%▲ 1.20% above avgNationally 2.79%
Details
Method of Compounding: Simple
Rate History
1 change since Sep 30, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
- Oct 3, 20263.90%▲ from 3.85%
- Sep 30, 20263.85%first recorded
Goldmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.86%
▲ 1.16% above Massachusetts avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.70%▲ 1.16% above avgNationally 2.79%
Details
Certificate of Deposit and IRA Certificate of Deposit Accounts; Rates fixed at account opening; early withdrawal penalties may apply
Rate History
No change since Oct 22, 2026 · 3.86% APY · checked 3 times
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
6 Month IRA CD
$0
3.85%
▲ 1.15% above Massachusetts avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.70%▲ 1.15% above avgNationally 2.79%
Details
Short Term Statement Certificates of Deposit; IRA; penalty may be imposed for early withdrawals, with tax implications; additional maturities available
Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 9 times
West Chesterfield 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$100,000
4.59%
▲ 1.80% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.80% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Sep 29, 20264.59%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$100,000
4.59%
▲ 1.80% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.80% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 3 times
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
Premium 12 Month CD
$500
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 3.01%
Details
Must Open In-Branch
Rate History
No change since Oct 20, 2026 · 4.50% APY · checked 4 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificate
$500
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 3.01%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.50% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 12 Month
$1,000
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 3.01%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12-Month CD
$1,000
4.45%
▲ 1.66% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.66% above avgNationally 3.01%
Details
Minimum balance to open and earn APY is $1,000; $250,000 maximum deposit; Rate effective as of 26 October, 2026
Rate History
1 change since Oct 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 26, 20264.45%▲ from 4.25%
- Oct 14, 20264.25%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 12 Months
$0
4.45%
▲ 1.66% above Massachusetts avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.66% above avgNationally 3.01%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 26, 20264.45%▲ from 4.25%
- Oct 14, 20264.25%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$500
4.44%
▲ 1.65% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.65% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Sep 29, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$500
4.44%
▲ 1.65% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.65% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40%
▲ 1.61% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.61% above avgNationally 3.01%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 1, 20264.40%▲ from 3.90%
- Sep 22, 20263.90%first recorded
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
4.40%
▲ 1.61% above Massachusetts avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.61% above avgNationally 3.01%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.85% → 4.40% ▲ 0.55 pts · high 4.40% / low 3.85%
- Oct 30, 20264.40%▲ from 4.10%
- Oct 1, 20264.10%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12-Month CD
$25,000
4.35%
▲ 1.56% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.56% above avgNationally 3.01%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificate Tier 1 - 12 Month
$1,000
4.35%
▲ 1.56% above Massachusetts avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.56% above avgNationally 3.01%
Details
Tier 1; Minimum Deposit (1,000); Tier level determined by opening deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
IRA Certificate Tier 2 - 12 Month
$25,000
4.35%
▲ 1.56% above Massachusetts avg
▼
Rate4.35%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.56% above avgNationally 3.01%
Details
Tier 2; Minimum Deposit (25,000); Tier level determined by opening deposit; All IRA Certificates post dividends at maturity; 2 Month Dividend Penalty for early withdrawal on terms of 12 months or under
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
Share Certificate - 12 Month
$1,000
4.35%
▲ 1.56% above Massachusetts avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.56% above avgNationally 3.01%
Details
Tier 1; Dividend Penalty: 2 Month for early withdrawal; Tier level determined by opening deposit
Rate History
1 change since Sep 16, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 23, 20264.35%▲ from 3.75%
- Sep 16, 20263.75%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 Months CD
$0
4.25%
▲ 1.46% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Certificates of Deposit Specials
Rate History
4 changes since Sep 19, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 31, 20264.25%▲ from 4.00%
- Oct 20, 20264.00%▲ from 3.50%
- Oct 14, 20263.50%▼ from 3.95%
- Sep 24, 20263.95%▲ from 3.45%
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
12-Month CD
$500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Balance: $500.00 & More; Rates current as of 10/21/2026
Rate History
1 change since Oct 21, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 26, 20264.25%▲ from 4.15%
- Oct 21, 20264.15%first recorded
Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
SPECIAL CD - 12 months
$2,500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.17%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Promotional offer available to new or existing checking account customers only; new customers must open an Advantage Checking account at the same time; minimum CD opening deposit $2,500 to obtain promotional APY; automatically renews at maturity for 12 months at the then current 12-month rate
Rate History
No change since Oct 31, 2026 · 4.25% APY
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
HSA CD - 1-Year HSA CD
$500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Minimum to open a CD is $500 and the minimum required to earn APY is $500; CDs are subject to a penalty for early withdrawal; Rates effective as of October 14, 2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
12-Month Special Certificate
$500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Open Online; rate fixed and guaranteed for the term; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1 Year CD
$500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 19, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1 Year IRA CD
$500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
SEP (Simplified Employee Pension) IRA Certificate
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 19, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Business 1 Year CD
$500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 26, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
SEP IRA Certificates - 1 Year IRA CD
$500
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
SEP (Simplified Employee Pension) IRA Certificate; Certificates of Deposit rates are guaranteed for the length of the term
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12 Month Certificate of Deposit
$1,000
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
1 Year Certificate
$1,000
4.20%
▲ 1.41% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.41% above avgNationally 3.01%
Details
Personal or Business; Interest Rate Tier: N/A
Rate History
1 change since Sep 11, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- 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%
IRA 1 Year Certificate
$1,000
4.20%
▲ 1.41% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.41% above avgNationally 3.01%
Details
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship CD - 12 Month
$100,000
4.20%
▲ 1.41% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.41% above avgNationally 3.01%
Details
Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table
Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 3.01%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 Month IRA TDC
$1
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 3.01%
Details
Traditional/Roth IRA Term Deposit Certificate; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business Term Deposit Certificates (TDC) - 12 Month TDC
$500
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 3.01%
Details
Penalty may be applied on funds withdrawn prior to maturity; APY effective 10/01/2026 and subject to change
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Simplified Employee Pension (SEP) IRA - 12 Month IRA TDC
$1
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 3.01%
Details
Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Deposit Certificates (TDC) - 12 Month TDC
$500
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 3.01%
Details
Minimum daily balance to obtain APY $10.00; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Term Share Certificates - 12 Months
$500
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 3.01%
Details
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings
Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14%
▲ 1.35% above Massachusetts avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.35% above avgNationally 3.01%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
12 Month Share & IRA Certificate
$0
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 3.01%
Details
Certain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 8 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
12 Month Share Certificate
$0
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 10 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
Business Share Certificate - 12 Months
$0
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 3.01%
Details
Call To Get Started; Penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
Share Certificate 12 Months
$500
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 3.01%
Details
Penalty for early withdrawal applies; APY accurate as of 09/08/2026
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - 1 Year
$0
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 3.01%
Details
Balance: $1,000 & up; Requires Prime Time Checking account
Rate History
No change since Oct 27, 2026 · 4.10% APY
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Certificate - 12 Months
$500
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 3.01%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 3 times
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
CD - 12 Months
$1,000
4.08%
▲ 1.29% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.29% above avgNationally 3.01%
Details
Early Withdraw Fee does apply
Rate History
No change since Oct 14, 2026 · 4.08% APY · checked 4 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12 Month Certificate
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.26 pts · high 4.07% / low 3.82%
- Sep 24, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12 Month IRA Certificate
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.26 pts · high 4.07% / low 3.82%
- Sep 25, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Certificates of Deposit - 12 Months
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 3.01%
Details
Rate History
1 change since Oct 15, 2026 · 3.66% → 4.07% ▲ 0.41 pts · high 4.07% / low 3.66%
- Oct 23, 20264.07%▲ from 3.66%
- Oct 15, 20263.66%first recorded
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
IRA Certificates - 12 Months
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 3.01%
Details
Traditional & Roth IRA's
Rate History
2 changes since Sep 24, 2026 · 4.07% → 4.07% ▼ 0.00 pts · high 4.07% / low 3.66%
- Oct 23, 20264.07%▲ from 3.66%
- Oct 15, 20263.66%▼ from 4.07%
- Sep 24, 20264.07%first recorded
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
12 Month Certificate
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 3.01%
Details
Effective as of October 16th, 2026
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 23, 20264.07%▲ from 3.82%
- Sep 18, 20263.82%first recorded
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
12 Month IRA
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 3.01%
Details
Effective as of October 16th, 2026
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 23, 20264.07%▲ from 3.82%
- Sep 18, 20263.82%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12 Month Share Certificate
$500
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 3.01%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.85% → 4.07% ▲ 0.22 pts · high 4.07% / low 3.85%
- Oct 9, 20264.07%▲ from 3.85%
- Sep 17, 20263.85%first recorded
BFCU Boston Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1 Year Share Certificate
$0
4.06%
▲ 1.27% above Massachusetts avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.79%▲ 1.27% above avgNationally 3.01%
Details
Jumbo Dividend Rate; members investing $100,000 or more in aggregate Share Certificate balances
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 3 times
West Chesterfield 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Usalliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Certificate
$0
5.05%
▲ 2.18% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 2.18% above avgNationally 2.91%
Details
Special Rate
Rate History
No change since Oct 30, 2026 · 5.05% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 Month CD Share Certificate - Jumbo
$250
4.65%
▲ 1.78% above Massachusetts avg
▼
Rate4.55%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.78% above avgNationally 2.91%
Details
Jumbo rates apply for deposits of $100,000 or more; New Money Only
Rate History
No change since Oct 28, 2026 · 4.65% APY
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
18-Month CD
$0
4.60%
▲ 1.73% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
Exclusive High-Yield CD Offer; Up to $250,000; Rate effective as of 26 October, 2026
Rate History
No change since Oct 26, 2026 · 4.60% APY · checked 2 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 18 Months
$0
4.60%
▲ 1.73% above Massachusetts avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.60% ▲ 0.25 pts · high 4.60% / low 4.35%
- Oct 26, 20264.60%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 Month CD Share Certificate
$250
4.60%
▲ 1.73% above Massachusetts avg
▼
Rate4.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
New Money Only
Rate History
No change since Oct 28, 2026 · 4.60% APY
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Direct Choice - 18 Months
$0
4.60%
▲ 1.73% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.73% above avgNationally 2.91%
Details
4.65% APY on balances $100,000+; New Money Only
Rate History
No change since Oct 28, 2026 · 4.60% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1.5 Year CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 19, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
1.5 Year IRA CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
SEP (Simplified Employee Pension) IRA Certificate
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 19, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Business 1.5 Year CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 26, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
SEP IRA 1.5 Year IRA CD
$500
4.50%
▲ 1.63% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.63% above avgNationally 2.91%
Details
SEP (Simplified Employee Pension) IRA Certificates; Dividend Rate 4.40%; APY 4.50%; Minimum to Earn APY $500
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD
$500
4.49%
▲ 1.62% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.62% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Sep 29, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 18-Month
$500
4.49%
▲ 1.62% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.62% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40%
▲ 1.53% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Certificate - 18 Months
$500
4.40%
▲ 1.53% above Massachusetts avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Learn about our IRAs; IRA/Roth Certificates of Deposit; Open at any Metro location
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Relationship Jumbo Certificate & IRA
$100,000
4.40%
▲ 1.53% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Relationship Jumbo Certificate & IRA
Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship CD - 18 Month
$100,000
4.40%
▲ 1.53% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table
Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
4.40%
▲ 1.53% above Massachusetts avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.53% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
- Oct 30, 20264.40%▲ from 4.00%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18-Month CD
$0
4.36%
▲ 1.49% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.49% above avgNationally 2.91%
Details
CD Special; A minimum balance of $10,000 is required to open and obtain the APY; Personal accounts only; Maximum deposit amount is $500,000 for Special CDs; Early withdrawal penalty applies
Rate History
No change since Oct 7, 2026 · 4.36% APY · checked 6 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18-Month CD
$25,000
4.35%
▲ 1.48% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.48% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Traditional and Roth IRA CD - 18 Month
$0
4.35%
▲ 1.48% above Massachusetts avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.48% above avgNationally 2.91%
Details
Traditional and Roth IRA CD; Rates effective 10.19.2026
Rate History
1 change since Oct 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 19, 20264.35%▲ from 3.40%
- Oct 14, 20263.40%first recorded
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Certificates of Deposit - 18 Months
$1,000
4.30%
▲ 1.43% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.87%▲ 1.43% above avgNationally 2.91%
Details
Rate History
1 change since Oct 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
- Oct 22, 20264.30%▲ from 4.25%
- Oct 14, 20264.25%first recorded
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Certificate of Deposit - 18 Months
$500
4.30%
▲ 1.43% above Massachusetts avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.43% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 3 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
18 Month CD/IRA CD
$2,500
4.30%
▲ 1.43% above Massachusetts avg
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.43% above avgNationally 2.91%
Details
Method of Compounding: Monthly
Rate History
1 change since Sep 30, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 30, 20264.10%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 - 18 Month CD
$0
4.25%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
CD Rates; Certificate of Deposit
Rate History
No change since Oct 31, 2026 · 4.25% APY
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 - 18 Month Certificate of Deposit
$0
4.25%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Homepage banner text: CD Rates 12 - 18 Months 4.25 APY (Annual Percentage Yield)
Rate History
No change since Oct 31, 2026 · 4.25% APY
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.25%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Certificates of Deposit Specials
Rate History
4 changes since Sep 19, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.50%
- Oct 31, 20264.25%▲ from 4.00%
- Oct 20, 20264.00%▲ from 3.50%
- Oct 14, 20263.50%▼ from 4.00%
- Sep 24, 20264.00%▲ from 3.60%
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Certificate of Deposit - 12 - 18 Months
$500
4.25%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Substantial penalty for early withdrawal. Fees may reduce earnings.
Rate History
No change since Oct 31, 2026 · 4.25% APY
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - 18 Month
$0
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Balance: $1,000 & up; Requires Prime Time Checking account
Rate History
No change since Oct 27, 2026 · 4.25% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificate
$500
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.25% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month Certificate of Deposit
$1,000
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 18 Month
$500
4.25%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking
Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 26, 20264.25%▲ from 4.20%
- Oct 14, 20264.20%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Share Certificate
$0
4.25%
▲ 1.38% above Massachusetts avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.38% above avgNationally 2.91%
Details
Rates effective 10.19.2026
Rate History
1 change since Oct 19, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
- Oct 19, 20264.25%▲ from 3.30%
- Oct 19, 20263.30%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24%
▲ 1.37% above Massachusetts avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.37% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Relationship 18 Month CD
$500
4.23%
▲ 1.36% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.87%▲ 1.36% above avgNationally 2.91%
Details
Eligibility: Primary or Joint Owner on Relationship Rewards Checking; Open Online
Rate History
No change since Oct 3, 2026 · 4.23% APY · checked 6 times
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
18-Month CD
$1,000
4.20%
▲ 1.33% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.87%▲ 1.33% above avgNationally 2.91%
Details
Rates effective: October 21, 2026; $1,000 balance needed to earn the stated APY
Rate History
1 change since Sep 14, 2026 · 2.50% → 4.20% ▲ 1.70 pts · high 4.20% / low 2.50%
- Oct 27, 20264.20%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 18 Month
$1,000
4.18%
▲ 1.31% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.31% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 18 Month
$1,000
4.18%
▲ 1.31% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.31% above avgNationally 2.91%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.18% APY
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Select 18-Month CD
$1,000
4.15%
▲ 1.28% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.28% above avgNationally 2.91%
Details
Compounded: Daily
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 6 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Month IRA TDC
$1
4.15%
▲ 1.28% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.87%▲ 1.28% above avgNationally 2.91%
Details
Traditional/Roth IRA Term Deposit Certificate; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business Term Deposit Certificates (TDC) - 18 Month TDC
$500
4.15%
▲ 1.28% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.87%▲ 1.28% above avgNationally 2.91%
Details
Penalty may be applied on funds withdrawn prior to maturity; APY effective 10/01/2026 and subject to change
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Simplified Employee Pension (SEP) IRA - 18 Month IRA TDC
$1
4.15%
▲ 1.28% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.87%▲ 1.28% above avgNationally 2.91%
Details
Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Deposit Certificates (TDC) - 18 Month TDC
$500
4.15%
▲ 1.28% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.87%▲ 1.28% above avgNationally 2.91%
Details
Minimum daily balance to obtain APY $10.00; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Jumbo Certificate - 18 Month
$100,000
4.15%
▲ 1.28% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.87%▲ 1.28% above avgNationally 2.91%
Details
Balance: $100,000.00 minimum daily balance to earn APY
Rate History
No change since Oct 26, 2026 · 4.15% APY · checked 2 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
18 Month Certificate
$0
4.13%
▲ 1.26% above Massachusetts avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.26% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- 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
$0
4.13%
▲ 1.26% above Massachusetts avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.26% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- Sep 25, 20264.13%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
18 Month CD Special
$0
4.07%
▲ 1.20% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.87%▲ 1.20% above avgNationally 2.91%
Details
Open Online
Rate History
No change since Oct 3, 2026 · 4.07% APY · checked 5 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Month Share Certificate
$500
4.07%
▲ 1.20% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.87%▲ 1.20% above avgNationally 2.91%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.85% → 4.07% ▲ 0.22 pts · high 4.07% / low 3.85%
- Oct 9, 20264.07%▲ from 3.85%
- Sep 17, 20263.85%first recorded
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month CD
$500
4.00%
▲ 1.13% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.87%▲ 1.13% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 11 times
West Chesterfield 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
24-Month CD
$0
4.65%
▲ 2.00% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 2.00% above avgNationally 2.91%
Details
Exclusive High-Yield CD Offer; Rate effective as of 26 October, 2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.65% ▲ 0.50 pts · high 4.65% / low 4.15%
- Oct 26, 20264.65%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 24 Months
$0
4.65%
▲ 2.00% above Massachusetts avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 2.00% above avgNationally 2.91%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 26, 20264.65%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Business Certificates of Deposit - 24 Months
$250
4.50%
▲ 1.85% above Massachusetts avg
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.85% above avgNationally 2.91%
Details
SPECIAL OFFER; Rates effective as of October 28, 2026
Rate History
2 changes since Sep 18, 2026 · 3.65% → 4.50% ▲ 0.85 pts · high 4.50% / low 3.65%
- Oct 30, 20264.50%▲ from 4.25%
- Oct 13, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Certificate of Deposit - 24 Months
$250
4.50%
▲ 1.85% above Massachusetts avg
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.85% above avgNationally 2.91%
Details
SPECIAL OFFER; One-time bump-up option available; Rates effective as of October 28, 2026; early withdrawal penalty may apply
Rate History
1 change since Oct 13, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 30, 20264.50%▲ from 4.25%
- Oct 13, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.40% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month CD
$0
4.40%
▲ 1.75% above Massachusetts avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.65% → 4.40% ▲ 0.75 pts · high 4.40% / low 3.65%
- Oct 30, 20264.40%▲ from 3.90%
- Oct 1, 20263.90%▲ from 3.65%
- Sep 24, 20263.65%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Month IRA TDC
$1
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Traditional/Roth IRA Term Deposit Certificate; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business Term Deposit Certificates (TDC) - 24 Month TDC
$500
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Penalty may be applied on funds withdrawn prior to maturity; APY effective 10/01/2026 and subject to change
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Simplified Employee Pension (SEP) IRA - 24 Month IRA TDC
$1
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Deposit Certificates (TDC) - 24 Month TDC
$500
4.30%
▲ 1.65% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.65% above avgNationally 2.91%
Details
Minimum daily balance to obtain APY $10.00; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29%
▲ 1.64% above Massachusetts avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.64% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$50,000
4.28%
▲ 1.63% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.63% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Sep 29, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 24-Month
$50,000
4.28%
▲ 1.63% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.63% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 24 Month
$1,000
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Term Share Certificates - 24 Months
$500
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings
Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 Month Certificate of Deposit
$1,000
4.25%
▲ 1.60% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
Certificates - 24 Months
$500
4.25%
▲ 1.60% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
IRA Certificate - 24 Months
$500
4.25%
▲ 1.60% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 8 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 24 Month
$50,000
4.23%
▲ 1.58% above Massachusetts avg
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.58% above avgNationally 2.91%
Details
Jumbo; $50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.23% ▲ 0.63 pts · high 4.23% / low 3.60%
- Oct 23, 20264.23%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month Certificate
$0
4.23%
▲ 1.58% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.58% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month IRA Certificate
$0
4.23%
▲ 1.58% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.58% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
24-month CD Special
$500
4.20%
▲ 1.55% above Massachusetts avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.55% above avgNationally 2.91%
Details
Balance: $500.00 & More; Rates current as of 10/21/2026
Rate History
1 change since Sep 19, 2026 · 3.92% → 4.20% ▲ 0.28 pts · high 4.20% / low 3.92%
- Oct 21, 20264.20%▲ from 3.92%
- Sep 19, 20263.92%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 24 Month
$1,000
4.18%
▲ 1.53% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.53% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 24 Month
$1,000
4.18%
▲ 1.53% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.53% above avgNationally 2.91%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.18% APY
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposit - 1 1/2 Year
$0
4.18%
▲ 1.53% above Massachusetts avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.53% above avgNationally 2.91%
Details
Minimum Daily Balance*; aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for this product
Rate History
No change since Oct 21, 2026 · 4.18% APY · checked 2 times
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
IRA Certificate of Deposit - 1 1/2 Year
$0
4.18%
▲ 1.53% above Massachusetts avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.65%▲ 1.53% above avgNationally 2.91%
Details
Aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner; minimum daily balance to open account and earn APY
Rate History
No change since Oct 21, 2026 · 4.18% APY · checked 2 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Months Term Share Certificate - Jumbo
$0
4.15%
▲ 1.50% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.50% above avgNationally 2.91%
Details
Jumbo CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.15% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$500
4.13%
▲ 1.48% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.48% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
- 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%
▲ 1.48% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.48% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
24 Month Share Certificate
$500
4.13%
▲ 1.48% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.48% above avgNationally 2.91%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.50% → 4.13% ▲ 0.63 pts · high 4.13% / low 3.50%
- Oct 9, 20264.13%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificate of Deposit - 24 Months
$500
4.07%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.65%▲ 1.42% above avgNationally 2.91%
Details
APY assumes principal and interest remain on deposit for full term; interest compounded and paid monthly; substantial penalty for early withdrawals
Rate History
No change since Oct 15, 2026 · 4.07% APY · checked 3 times
Savers Co-operative Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.40%
24 Month Certificate
$500
4.05%
▲ 1.40% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.40% above avgNationally 2.91%
Details
Certificate of deposit
Rate History
1 change since Sep 19, 2026 · 1.28% → 4.05% ▲ 2.77 pts · high 4.05% / low 1.28%
- 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%
Term Share Certificates - 24 month Certificate
$0
4.05%
▲ 1.40% above Massachusetts avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.65%▲ 1.40% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.05% APY · checked 2 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Months Term Share Certificate
$0
4.05%
▲ 1.40% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.40% above avgNationally 2.91%
Details
Regular CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.05% APY
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Traditional and Roth IRA CD - 24 Month
$0
4.05%
▲ 1.40% above Massachusetts avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.40% above avgNationally 2.91%
Details
Traditional and Roth IRA CD; Rates effective 10.19.2026
Rate History
1 change since Oct 14, 2026 · 2.89% → 4.05% ▲ 1.16 pts · high 4.05% / low 2.89%
- Oct 19, 20264.05%▲ from 2.89%
- Oct 14, 20262.89%first recorded
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Business Certificate of Deposit
$1,000
4.00%
▲ 1.35% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.65%▲ 1.35% above avgNationally 2.91%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 22, 20264.00%▲ from 3.25%
- Sep 20, 20263.25%first recorded
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Certificate of Deposit
$1,000
4.00%
▲ 1.35% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.65%▲ 1.35% above avgNationally 2.91%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 22, 20264.00%▲ from 3.25%
- Sep 20, 20263.25%first recorded
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month Share Certificate
$0
3.95%
▲ 1.30% above Massachusetts avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.65%▲ 1.30% above avgNationally 2.91%
Details
Rates effective 10.19.2026
Rate History
1 change since Oct 19, 2026 · 2.79% → 3.95% ▲ 1.16 pts · high 3.95% / low 2.79%
- Oct 19, 20263.95%▲ from 2.79%
- Oct 19, 20262.79%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month CD - Premier5 Banking
$1,000
3.90%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.91%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 24 Month CD
$0
3.90%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.91%
Details
Retirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
- Oct 20, 20263.90%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 24 Month CD
$1,000
3.90%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.91%
Details
Available exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 3 times
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
24-Month CD/IRA - Premier Spending
$1,000
3.90%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.25% above avgNationally 2.91%
Details
Premier Spending APY; Higher CD/IRA rates available to Premier Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month CD - PrimaryPlus Banking
$1,000
3.88%
▲ 1.23% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.23% above avgNationally 2.91%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 24 Month CD
$0
3.88%
▲ 1.23% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.23% above avgNationally 2.91%
Details
Retirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.88% ▲ 0.88 pts · high 3.88% / low 3.00%
- Oct 20, 20263.88%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
24-Month CD/IRA - Plus Spending
$1,000
3.88%
▲ 1.23% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.23% above avgNationally 2.91%
Details
Plus Spending APY; Higher CD/IRA rates available to Plus Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.88% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month CD
$1,000
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.91%
Details
Minimum balance to open all CDs is $1,000; 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%
- 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 - 24 Month CD
$1,000
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.91%
Details
Minimum balance to open all CDs is $1,000
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 4 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 24 Month CD
$0
3.85%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.65%▲ 1.20% above avgNationally 2.91%
Details
Retirement Certificates of Deposit (IRA CDs); Standard APY
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 20, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
West Chesterfield 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 3 Years
$0
4.65%
▲ 2.13% above Massachusetts avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 2.13% above avgNationally 2.82%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 26, 20264.65%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
36 Month Certificate of Deposit
$1,000
4.50%
▲ 1.98% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.98% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40%
▲ 1.88% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.88% above avgNationally 2.82%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Term Share Certificates - 36 Months
$500
4.35%
▲ 1.83% above Massachusetts avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.83% above avgNationally 2.82%
Details
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings
Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$50,000
4.33%
▲ 1.81% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.81% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Sep 29, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$50,000
4.33%
▲ 1.81% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.81% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 3 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 Month IRA TDC
$1
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Traditional/Roth IRA Term Deposit Certificate; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Business Term Deposit Certificates (TDC) - 36 Month TDC
$500
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Penalty may be applied on funds withdrawn prior to maturity; APY effective 10/01/2026 and subject to change
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Simplified Employee Pension (SEP) IRA - 36 Month IRA TDC
$1
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Deposit Certificates (TDC) - 36 Month TDC
$500
4.30%
▲ 1.78% above Massachusetts avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.78% above avgNationally 2.82%
Details
Minimum daily balance to obtain APY $10.00; Penalty may be applied on funds withdrawn prior to maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 36 Month
$1,000
4.28%
▲ 1.76% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.76% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 36 Month
$1,000
4.28%
▲ 1.76% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.76% above avgNationally 2.82%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.28% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 36 Month
$50,000
4.28%
▲ 1.76% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.76% above avgNationally 2.82%
Details
Jumbo; $50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 23, 20264.28%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 36 Month
$1,000
4.25%
▲ 1.73% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.52%▲ 1.73% above avgNationally 2.82%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month Certificate
$0
4.23%
▲ 1.71% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.71% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month IRA Certificate
$0
4.23%
▲ 1.71% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.71% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Months Term Share Certificate - Jumbo
$0
4.20%
▲ 1.68% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▲ 1.68% above avgNationally 2.82%
Details
Jumbo CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.20% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.66% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.66% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
- Sep 29, 20264.18%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$500
4.18%
▲ 1.66% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Month Share Certificate
$500
4.18%
▲ 1.66% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.66% above avgNationally 2.82%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 9, 20264.18%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 36 month Certificate
$0
4.10%
▲ 1.58% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.58% above avgNationally 2.82%
Details
Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 36 month IRA Certificate
$0
4.10%
▲ 1.58% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.58% above avgNationally 2.82%
Details
Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Months Term Share Certificate
$0
4.10%
▲ 1.58% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▲ 1.58% above avgNationally 2.82%
Details
Regular CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.10% APY
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificate of Deposit - 36 Months
$500
4.07%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.52%▲ 1.55% above avgNationally 2.82%
Details
APY assumes principal and interest remain on deposit for full term; interest compounded and paid monthly; substantial penalty for early withdrawals
Rate History
No change since Oct 15, 2026 · 4.07% APY · checked 3 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
36-Month CD
$25,000
4.00%
▲ 1.48% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.52%▲ 1.48% above avgNationally 2.82%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month Business Certificate of Deposit
$1,000
4.00%
▲ 1.48% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.52%▲ 1.48% above avgNationally 2.82%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 22, 20264.00%▲ from 3.25%
- Sep 20, 20263.25%first recorded
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month Certificate of Deposit
$1,000
4.00%
▲ 1.48% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.52%▲ 1.48% above avgNationally 2.82%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 22, 20264.00%▲ from 3.25%
- Sep 20, 20263.25%first recorded
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposits - 36-Month
$1,000
3.97%
▲ 1.45% above Massachusetts avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▲ 1.45% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.97% APY · checked 4 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD - Premier5 Banking
$1,000
3.90%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.38% above avgNationally 2.82%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 36 Month CD
$0
3.90%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.38% above avgNationally 2.82%
Details
Retirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
- Oct 20, 20263.90%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 36 Month CD
$1,000
3.90%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.38% above avgNationally 2.82%
Details
Available exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 3 times
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
36-Month CD/IRA - Premier Spending
$1,000
3.90%
▲ 1.38% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.38% above avgNationally 2.82%
Details
Premier Spending APY; Higher CD/IRA rates available to Premier Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD - PrimaryPlus Banking
$1,000
3.88%
▲ 1.36% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.36% above avgNationally 2.82%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 36 Month CD
$0
3.88%
▲ 1.36% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.36% above avgNationally 2.82%
Details
Retirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.88% ▲ 0.88 pts · high 3.88% / low 3.00%
- Oct 20, 20263.88%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
36-Month CD/IRA - Plus Spending
$1,000
3.88%
▲ 1.36% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.36% above avgNationally 2.82%
Details
Plus Spending APY; Higher CD/IRA rates available to Plus Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.88% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD
$1,000
3.85%
▲ 1.33% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.33% above avgNationally 2.82%
Details
Minimum balance to open all CDs is $1,000; 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%
- 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%
▲ 1.33% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.33% above avgNationally 2.82%
Details
Minimum balance to open all CDs is $1,000
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 4 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 36 Month CD
$0
3.85%
▲ 1.33% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.33% above avgNationally 2.82%
Details
Retirement Certificates of Deposit (IRA CDs); Standard APY
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 20, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
36-Month CD/IRA
$1,000
3.85%
▲ 1.33% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.33% above avgNationally 2.82%
Details
Rates effective as of Tuesday, October 20, 2026; Open Online
Rate History
1 change since Sep 19, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36 Month Fixed Rate CD
$0
3.85%
▲ 1.33% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.52%▲ 1.33% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 7, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Year Share/IRA Certificates
$500
3.82%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.30% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 4 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
36 Month Certificate
$2,500
3.82%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.52%▲ 1.30% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
36 Month Fixed
$0
3.81%
▲ 1.29% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.29% above avgNationally 2.82%
Details
Fixed-term rate
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.81% ▲ 0.36 pts · high 3.81% / low 3.45%
- Oct 5, 20263.81%▲ from 3.45%
- Sep 14, 20263.45%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Business Term Deposit - 36 Month
$0
3.81%
▲ 1.29% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.29% above avgNationally 2.82%
Details
Rate History
No change since Oct 23, 2026 · 3.81% APY · checked 2 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
IRA 36 Month Fixed
$0
3.81%
▲ 1.29% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.29% above avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 3.81% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Term Deposit - 36 Month
$0
3.81%
▲ 1.29% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.52%▲ 1.29% above avgNationally 2.82%
Details
Dividends compound monthly; Early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.81% APY · checked 3 times
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Platinum CD Specials - 3 Year CD
$0
3.80%
▲ 1.28% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.52%▲ 1.28% above avgNationally 2.82%
Details
Minimum Balance to Earn APY: $500
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 7 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3 Year CD
$500
3.75%
▲ 1.23% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.52%▲ 1.23% above avgNationally 2.82%
Details
APY effective October 21, 2026; assumes rollover and funds remain on deposit for one year; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificate - 3 years
$500
3.75%
▲ 1.23% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.52%▲ 1.23% above avgNationally 2.82%
Details
APY effective October 21, 2026; Minimum balance to obtain APY is $20; Minimum deposit to open account is $500; A penalty may be assessed for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
36-Month Special Certificate
$500
3.75%
▲ 1.23% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.52%▲ 1.23% above avgNationally 2.82%
Details
Open Online
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
West Chesterfield 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 4 Years
$0
4.70%
▲ 2.34% above Massachusetts avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 2.34% above avgNationally 2.81%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.70% ▲ 0.35 pts · high 4.70% / low 4.35%
- Oct 26, 20264.70%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
48 Month Certificate of Deposit
$1,000
4.50%
▲ 2.14% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.14% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
Term Share Certificates - 48 Months
$500
4.45%
▲ 2.09% above Massachusetts avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.09% above avgNationally 2.81%
Details
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings
Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40%
▲ 2.04% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 2.04% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$50,000
4.39%
▲ 2.03% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.03% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
- Sep 29, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$50,000
4.39%
▲ 2.03% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 2.03% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.39% APY · checked 3 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 48 Month
$1,000
4.28%
▲ 1.92% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.92% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 48 Month
$1,000
4.28%
▲ 1.92% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.92% above avgNationally 2.81%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.28% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 48 Month
$50,000
4.28%
▲ 1.92% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.92% above avgNationally 2.81%
Details
Jumbo; $50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 23, 20264.28%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA 48 Month CD
$0
4.25%
▲ 1.89% above Massachusetts avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.36%▲ 1.89% above avgNationally 2.81%
Details
Individual Retirement Account
Rate History
1 change since Oct 21, 2026 · 0.40% → 4.25% ▲ 3.85 pts · high 4.25% / low 0.40%
- Oct 26, 20264.25%▲ from 0.40%
- Oct 21, 20260.40%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 48 Month
$1,000
4.25%
▲ 1.89% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.36%▲ 1.89% above avgNationally 2.81%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Months Term Share Certificate - Jumbo
$0
4.25%
▲ 1.89% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.89% above avgNationally 2.81%
Details
Jumbo CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.25% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$500
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
- Sep 29, 20264.23%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$500
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 3 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month Certificate
$0
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month IRA Certificate
$0
4.23%
▲ 1.87% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
48 Month Share Certificate
$500
4.18%
▲ 1.82% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.82% above avgNationally 2.81%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 9, 20264.18%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 48 month Certificate
$0
4.15%
▲ 1.79% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.79% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Months Term Share Certificate
$0
4.15%
▲ 1.79% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.79% above avgNationally 2.81%
Details
Regular CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.15% APY
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposits - 48-Month
$1,000
4.02%
▲ 1.66% above Massachusetts avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.66% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 4.02% APY · checked 4 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
48-Month CD
$25,000
4.00%
▲ 1.64% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.36%▲ 1.64% above avgNationally 2.81%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
48 Month Certificate
$2,500
3.82%
▲ 1.46% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
48 Month Fixed
$0
3.81%
▲ 1.45% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.45% above avgNationally 2.81%
Details
Fixed-term rate
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50%
- Oct 5, 20263.81%▲ from 3.50%
- Sep 14, 20263.50%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Business Term Deposit - 48 Month
$0
3.81%
▲ 1.45% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.45% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.81% APY · checked 2 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
IRA 48 Month Fixed
$0
3.81%
▲ 1.45% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.45% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.81% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Term Deposit - 48 Month
$0
3.81%
▲ 1.45% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.45% above avgNationally 2.81%
Details
Dividends compound monthly; Early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.81% APY · checked 3 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Certificate of Deposit - 4 Years
$1,000
3.75%
▲ 1.39% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.39% above avgNationally 2.81%
Details
Minimum balance of $1,000 required to obtain disclosed APY
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate of Deposit - 4 Years
$500
3.75%
▲ 1.39% above Massachusetts avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.39% above avgNationally 2.81%
Details
Individual Retirement Account; Minimum balance of $500 required to obtain the disclosed APY
Rate History
No change since Oct 26, 2026 · 3.75% APY · checked 2 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month Certificate of Deposit
$1,000
3.75%
▲ 1.39% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.36%▲ 1.39% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 22, 20263.75%▲ from 3.25%
- Sep 20, 20263.25%first recorded
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
48 Month Certificate
$500
3.75%
▲ 1.39% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.39% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
I.R.A. Certificates - 48 Month
$200
3.75%
▲ 1.39% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.36%▲ 1.39% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD - Premier5 Banking
$1,000
3.60%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.24% above avgNationally 2.81%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 48 Month CD
$0
3.60%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.24% above avgNationally 2.81%
Details
Retirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.60% ▲ 0.85 pts · high 3.60% / low 2.75%
- Oct 20, 20263.60%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 48 Month CD
$1,000
3.60%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.24% above avgNationally 2.81%
Details
Available exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
48-Month CD/IRA - Premier Spending
$1,000
3.60%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.24% above avgNationally 2.81%
Details
Premier Spending APY; Higher CD/IRA rates available to Premier Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD - PrimaryPlus Banking
$1,000
3.58%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.22% above avgNationally 2.81%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 48 Month CD
$0
3.58%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.22% above avgNationally 2.81%
Details
Retirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.58% ▲ 0.83 pts · high 3.58% / low 2.75%
- Oct 20, 20263.58%▲ 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 - Plus Spending
$1,000
3.58%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.22% above avgNationally 2.81%
Details
Plus Spending APY; Higher CD/IRA rates available to Plus Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.58% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD
$1,000
3.55%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.19% above avgNationally 2.81%
Details
Minimum balance to open all CDs is $1,000; 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%
- 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%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.19% above avgNationally 2.81%
Details
Minimum balance to open all CDs is $1,000
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 4 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 48 Month CD
$0
3.55%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.19% above avgNationally 2.81%
Details
Retirement Certificates of Deposit (IRA CDs); Standard APY
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 20, 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
$1,000
3.55%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.19% above avgNationally 2.81%
Details
Rates effective as of Tuesday, October 20, 2026; Open Online
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- 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%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.36%▲ 1.19% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 7, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year CD
$2,500
3.55%
▲ 1.19% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.36%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
48 Month Jumbo Certificate
$25,000
3.50%
▲ 1.14% above Massachusetts avg
▼
Rate3.44%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.36%▲ 1.14% above avgNationally 2.81%
Details
Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificate - 4 years
$500
3.50%
▲ 1.14% above Massachusetts avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.36%▲ 1.14% above avgNationally 2.81%
Details
APY effective October 21, 2026; Minimum balance to obtain APY is $20; Minimum deposit to open account is $500; A penalty may be assessed for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month Business Certificate of Deposit
$1,000
3.50%
▲ 1.14% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.36%▲ 1.14% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 22, 20263.50%▲ from 3.25%
- Sep 20, 20263.25%first recorded
First Technology Federal Credit Union
IRA Certificates - 48-Month
$100,000
3.50%
▲ 1.14% above Massachusetts avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.14% above avgNationally 2.81%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$100,000
3.50%
▲ 1.14% above Massachusetts avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.14% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship CD - 48 Month
$100,000
3.50%
▲ 1.14% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.36%▲ 1.14% above avgNationally 2.81%
Details
Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
West Chesterfield 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
60 Month Certificate of Deposit
$1,000
4.75%
▲ 2.24% above Massachusetts avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 2.24% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.75% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 5 Years
$0
4.70%
▲ 2.19% above Massachusetts avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 2.19% above avgNationally 2.92%
Details
Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.70% ▲ 0.35 pts · high 4.70% / low 4.35%
- Oct 26, 20264.70%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$50,000
4.44%
▲ 1.93% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.93% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Sep 29, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$50,000
4.44%
▲ 1.93% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.93% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40%
▲ 1.89% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.89% above avgNationally 2.92%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Months Term Share Certificate - Jumbo
$0
4.30%
▲ 1.79% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.79% above avgNationally 2.92%
Details
Jumbo CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.30% APY
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 60 Month
$1,000
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 4 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
IRA 60 Month
$1,000
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Individual Retirement Accounts
Rate History
No change since Oct 31, 2026 · 4.28% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$500
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Sep 29, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$500
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 60 Month
$50,000
4.28%
▲ 1.77% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.77% above avgNationally 2.92%
Details
Jumbo; $50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 23, 20264.28%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month IRA Certificate
$500
4.25%
▲ 1.74% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.74% above avgNationally 2.92%
Details
Early withdrawal penalties may apply.
Rate History
No change since Oct 28, 2026 · 4.25% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 60 Month
$1,000
4.25%
▲ 1.74% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.74% above avgNationally 2.92%
Details
Term Certificates (Minimum to Open $1,000.00); Rates effective 10-28-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
60 Month Certificate
$0
4.23%
▲ 1.72% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.72% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
60 Month IRA Certificate
$0
4.23%
▲ 1.72% above Massachusetts avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.72% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 60 month Certificate
$0
4.20%
▲ 1.69% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.69% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Term Share Certificates - 60 month IRA Certificate
$0
4.20%
▲ 1.69% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.69% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Months Term Share Certificate
$0
4.20%
▲ 1.69% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.69% above avgNationally 2.92%
Details
Regular CD; A penalty may be imposed for early withdrawal; AllCom membership required
Rate History
No change since Oct 30, 2026 · 4.20% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
60 Month Share Certificate
$500
4.18%
▲ 1.67% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.67% above avgNationally 2.92%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply
Rate History
1 change since Sep 17, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 9, 20264.18%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposits - 60-Month
$1,000
4.07%
▲ 1.56% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.56% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 4 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
60-Month CD
$25,000
4.00%
▲ 1.49% above Massachusetts avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.49% above avgNationally 2.92%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
60 Month Certificate
$2,500
3.82%
▲ 1.31% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 1.31% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
60 Month Fixed
$0
3.81%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.30% above avgNationally 2.92%
Details
Fixed-term rate
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Oct 9, 20263.81%▲ from 3.55%
- Sep 14, 20263.55%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Business Term Deposit - 60 Month
$0
3.81%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.30% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 3.81% APY · checked 2 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
IRA 60 Month Fixed
$0
3.81%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.30% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 3.81% APY · checked 3 times
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Term Deposit - 60 Month
$0
3.81%
▲ 1.30% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.30% above avgNationally 2.92%
Details
Dividends compound monthly; Early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.81% APY · checked 3 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Certificate of Deposit - 5 Years
$1,000
3.75%
▲ 1.24% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.24% above avgNationally 2.92%
Details
Minimum balance of $1,000 required to obtain disclosed APY
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA Certificate of Deposit - 5 Years
$500
3.75%
▲ 1.24% above Massachusetts avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.24% above avgNationally 2.92%
Details
Individual Retirement Account; Minimum balance of $500 required to obtain the disclosed APY
Rate History
No change since Oct 26, 2026 · 3.75% APY · checked 2 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
60 Month Business Certificate of Deposit
$1,000
3.75%
▲ 1.24% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.51%▲ 1.24% above avgNationally 2.92%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 22, 20263.75%▲ from 3.25%
- Sep 20, 20263.25%first recorded
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
60 Month Certificate
$500
3.75%
▲ 1.24% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.24% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
I.R.A. Certificates - 60 Month
$200
3.75%
▲ 1.24% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.24% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Certificates of Deposit (CDs) - 60-Month
$500
3.75%
▲ 1.24% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Massachusetts Average2.51%▲ 1.24% above avgNationally 2.92%
Details
Balance: $500 - $24,999.99; Open Now
Rate History
No change since Oct 26, 2026 · 3.75% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD - Premier5 Banking
$1,000
3.60%
▲ 1.09% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.09% above avgNationally 2.92%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 60 Month CD
$0
3.60%
▲ 1.09% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.09% above avgNationally 2.92%
Details
Retirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.60% ▲ 0.85 pts · high 3.60% / low 2.75%
- Oct 20, 20263.60%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 60 Month CD
$1,000
3.60%
▲ 1.09% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.09% above avgNationally 2.92%
Details
Available exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
60-Month CD/IRA - Premier Spending
$1,000
3.60%
▲ 1.09% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.09% above avgNationally 2.92%
Details
Premier Spending APY; Higher CD/IRA rates available to Premier Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD - PrimaryPlus Banking
$1,000
3.58%
▲ 1.07% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.07% above avgNationally 2.92%
Details
Minimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 6 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 60 Month CD
$0
3.58%
▲ 1.07% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.07% above avgNationally 2.92%
Details
Retirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.58% ▲ 0.83 pts · high 3.58% / low 2.75%
- Oct 20, 20263.58%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
60-Month CD/IRA - Plus Spending
$1,000
3.58%
▲ 1.07% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.07% above avgNationally 2.92%
Details
Plus Spending APY; Higher CD/IRA rates available to Plus Spending clients; Open Online
Rate History
No change since Oct 21, 2026 · 3.58% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD
$1,000
3.55%
▲ 1.04% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.04% above avgNationally 2.92%
Details
Minimum balance to open all CDs is $1,000; 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%
- 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%
▲ 1.04% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.04% above avgNationally 2.92%
Details
Minimum balance to open all CDs is $1,000
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 4 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD - 60 Month CD
$0
3.55%
▲ 1.04% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.04% above avgNationally 2.92%
Details
Retirement Certificates of Deposit (IRA CDs); Standard APY
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 20, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
60-Month CD/IRA
$1,000
3.55%
▲ 1.04% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 1.04% above avgNationally 2.92%
Details
Rates effective as of Tuesday, October 20, 2026; Open Online
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
60 Month Fixed Rate CD
$0
3.55%
▲ 1.04% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Massachusetts Average2.51%▲ 1.04% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 7, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5 Year CD
$2,500
3.55%
▲ 1.04% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Massachusetts Average2.51%▲ 1.04% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
60 Month Jumbo Certificate
$25,000
3.50%
▲ 0.99% above Massachusetts avg
▼
Rate3.44%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Massachusetts Average2.51%▲ 0.99% above avgNationally 2.92%
Details
Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
5 Year CD
$500
3.50%
▲ 0.99% above Massachusetts avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.51%▲ 0.99% above avgNationally 2.92%
Details
APY effective October 21, 2026; assumes rollover and funds remain on deposit for one year; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificate - 5 years
$500
3.50%
▲ 0.99% above Massachusetts avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.51%▲ 0.99% above avgNationally 2.92%
Details
APY effective October 21, 2026; Minimum balance to obtain APY is $20; Minimum deposit to open account is $500; A penalty may be assessed for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.99% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Massachusetts Average2.51%▲ 0.99% above avgNationally 2.92%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 22, 20263.50%▲ from 3.25%
- Sep 20, 20263.25%first recorded
First Technology Federal Credit Union
IRA Certificates - 60-Month
$100,000
3.50%
▲ 0.99% above Massachusetts avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Massachusetts Average2.51%▲ 0.99% above avgNationally 2.92%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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West Chesterfield, MA CD Rate Trends
Compare local West Chesterfield, MA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MA Avg
2.791%
▲ 0.011 vs 7 days ago
Massachusetts 12-month CD rates rose 0.011 points over the past 7 days to 2.791% APY.
6-Month CD MA Avg
2.699%
▲ 0.012 vs 7 days ago
Massachusetts 6-month CD rates rose 0.012 points over the past 7 days to 2.699% APY.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
MA CD Rate Forecast, Next 12 Months
Where are Massachusetts CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.791%
6-Month Forecast
2.791%
Range: 2.59%, 2.94%
12-Month Forecast
3.041%
Range: 2.84%, 3.19%
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What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.073% | $103.66 | $207.32 | $518.30 | $1,036.60 |
| 6-Month CD | 2.699% | $134.97 | $269.93 | $674.83 | $1,349.65 |
| 12-Month CD | 2.791% | $139.57 | $279.14 | $697.85 | $1,395.70 |
| 18-Month CD | 2.866% | $143.30 | $286.59 | $716.48 | $1,432.95 |
| 24-Month CD | 2.654% | $132.70 | $265.39 | $663.48 | $1,326.95 |
| 36-Month CD | 2.519% | $125.95 | $251.90 | $629.75 | $1,259.50 |
| 48-Month CD | 2.360% | $118.00 | $236.00 | $590.00 | $1,180.00 |
| 60-Month CD | 2.512% | $125.62 | $251.23 | $628.08 | $1,256.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for West Chesterfield, Massachusetts Savers
$25,000 split equally across 5 terms using today’s Massachusetts average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.073% | $103.66 |
| 2 | 6-Month CD | $5,000 | 2.699% | $134.97 |
| 3 | 12-Month CD | $5,000 | 2.791% | $139.57 |
| 4 | 24-Month CD | $5,000 | 2.654% | $132.70 |
| 5 | 36-Month CD | $5,000 | 2.519% | $125.95 |
| Total ($25,000 invested) | $25,000 | 2.547% blended | $636.85/yr | |
Ladder example uses equal $5,000 rungs and Massachusetts average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,759
CD Rates
Tracked in West Chesterfield, Massachusetts
Tracked in West Chesterfield, Massachusetts
66 Banks
68 Credit Unions
About Our West Chesterfield, Massachusetts CD Rate Database
MonitorBankRates tracks 1,759 CD rates from 66 banks and 68 credit unions with locations in West Chesterfield, 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: Usalliance Credit Union offers a CD at 5.05% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in West Chesterfield, Massachusetts.
How to Find the Best CD Rates in West Chesterfield, Massachusetts
What to compare when shopping for a CD in West Chesterfield, Massachusetts
To find the best APYs in West Chesterfield, Massachusetts, start with credit unions and online-only banks: West Chesterfield, Massachusetts has 68 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 West Chesterfield, 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 West Chesterfield, Massachusetts: 134 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare West Chesterfield, Massachusetts savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare West Chesterfield, Massachusetts money market rates
Massachusetts Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$57,232
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$160/yr
At MA 12-mo avg 2.791% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MA 12-month CD average of 2.791%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $160 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 West Chesterfield, Massachusetts
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in West Chesterfield, 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 West Chesterfield, Massachusetts as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give West Chesterfield, Massachusetts savers easier access to their funds. For example, River Works Credit Union is offering its 6 Month Certificate of Deposit at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Energy Credit Union is offering its 60 Month Certificate of Deposit at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a West Chesterfield, Massachusetts saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the West Chesterfield, Massachusetts CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a West Chesterfield, 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 West Chesterfield, Massachusetts
What are CD rates in West Chesterfield, Massachusetts today?
West Chesterfield, Massachusetts CD rates from banks and credit unions serving Massachusetts range from 2.00% to 5.05% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 5.05% APY at Usalliance Credit Union (18 Month Certificate), 4.75% at Energy Credit Union (60 Month Certificate of Deposit) and 4.70% at Leader Bank (Certificate of Deposit - 4 Years), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in West Chesterfield, Massachusetts FDIC insured?
Yes, most established banks in West Chesterfield, 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 West Chesterfield, 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 West Chesterfield, 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 West Chesterfield, 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 West Chesterfield, Massachusetts?
Here are recent top rates found for this area:
- Usalliance Credit Union: 5.05% APY (18 Month Certificate)
- Energy Credit Union: 4.75% APY (60 Month Certificate of Deposit)
- Leader Bank: 4.70% APY (Certificate of Deposit - 4 Years)
- Direct Federal Credit Union: 4.65% APY (18 Month CD Share Certificate - Jumbo)
- Cranberry Federal Credit Union: 4.59% APY (12-Month Traditional/Roth IRA CD)
- Northern Bank & Trust Company: 4.50% APY (Premium 12 Month CD)
- Hanscom Federal Credit Union: 4.50% APY (12 Month IRA Certificate)
- River Works Credit Union: 4.50% APY (3 Month Certificate of Deposit)
- Align Credit Union: 4.50% APY (1.5 Year CD)
- Jeanne D Arc Credit Union: 4.50% APY (Business Certificates of Deposit - 24 Months)
Rates reflect recent verified offers available in West Chesterfield, Massachusetts. Last Updated: October 31, 2026
West Chesterfield, 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 West Chesterfield, Massachusetts rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for West Chesterfield, Massachusetts
West Chesterfield, Massachusetts CD Calculator
At today’s MA top rate of 5.05% APY, a $10,000 deposit earns $505 in the first year. Enter your amount to see your exact return.
West Chesterfield, Massachusetts CD LadderMA CD rates currently range from 2.073% (3-month) to 2.519% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a West Chesterfield, Massachusetts CD at 5.05% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.791% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our West Chesterfield, 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 West Chesterfield, 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 West Chesterfield, Massachusetts. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026
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