Massachusetts CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Current Massachusetts CD rates include Worcester Fire Dept Credit UnionWorcester Fire Dept Credit Union34 GLENNIE ST, WORCESTER, MA 01605A+5.0 ★Texas Ratio: 2.02%Real return: +1.28%APY minus CPI (February 2026) offering 12 Months CD at 4.08% APY, River Works Credit UnionRiver Works Credit Union159 Frontage Rd, Manchester, NH 03103 6013A5.0 ★Texas Ratio: 7.57%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 4.07% APY, Institution for SavingsInstitution for Savings93 State St, Newburyport, MA 01950A+5.0 ★Texas Ratio: 0.11%Real return: +1.25%APY minus CPI (February 2026) offering 12-MONTH CD at 4.05% APY, Shrewsbury Federal Credit UnionShrewsbury Federal Credit Union489 BOSTON TPKE, SHREWSBURY, MA 01545A+5.0 ★Texas Ratio: 1.71%Real return: +1.22%APY minus CPI (February 2026) offering 6 Month Certificate at 4.02% APY, and Members Plus Credit UnionMembers Plus Credit Union29 High St, Medford, MA 02155 3801A+5.0 ★Texas Ratio: 2.40%Real return: +1.20%APY minus CPI (February 2026) offering 6 month CD at 4.00% APY. CD rates as of May 15, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Massachusetts side-by-side. Massachusetts CD rates currently reach as high as 4.08% APY from Worcester Fire Dept Credit Union at 34 GLENNIE ST, WORCESTER, MA 01605. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 15, 2026
Compare Best CD Rates in Massachusetts
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
7 Edward J Lempka Dr, Florida, NY 10921
Private 3-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH 03103 6013
3 Month Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
3 Month CD/IRA
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
*APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
3 Month Term Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
100 Powdermill Rd, Acton, MA 01720
3-Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Boost your tax refund
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month Premium Certificate Account
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
3 month CD
$500
3.64%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Month Certificate of Deposit
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
3 Month Certificate Account
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Main St, Natick, MA 01760
Freedom Platinum 3 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
3 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Main St, Natick, MA 01760
3 Month Certificate of Deposit
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
3-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 3 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
3 Months Certificates of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
3 Month Certificates of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
3 Month Certificates of Deposit
$2,500
3.25%
▼
Rate3.21%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
3 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
245 Long Hill Rd, Middletown, CT 06457
3-Month Business CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
245 Long Hill Rd, Middletown, CT 06457
3-Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 3 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
42 Main St, Hudson, MA 01749
3 Months Certificates of Deposit
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
3 MONTH
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
3 MONTH Certificates of Deposit (CDs)
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificates of Deposit 3 Month
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
3 Month CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Eastern Bank
Institution Rating:
A+5.0 ★
MA
Business Select Account CDs 3 Month CD
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
3 Month CD
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
3 Month Premier Account CD and IRA CDssuper script2
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
3 Months Term Certificates
$500
1.95%
▼
Rate1.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
752 Main St, Tewksbury, MA 01876
3 Months IRA & Share Certificate
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Penalty: 30 Days Interest
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
752 Main St, Tewksbury, MA 01876
IRA & Share Certificate 3 Months
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Penalty: 30 Days Interest
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
90 Days Fixed
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
21 Main St, Franklin, MA 02038
CDs 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
3 Months IRA
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
3 Month Certificate
$2,500
0.95%
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
3 Month Certificate
$0
0.76%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
3 Month Certificate
$500
0.65%
▼
Rate0.64%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 3 Months
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
3 Months Certificate
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
3 Month Certificates & Individual Retirement Accounts
$500
0.50%
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
90 Day Certificate
$0
0.41%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
275 Washington St, North Easton, MA 02356
CDs and IRAs 3 months
$2,500
0.25%
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
3 Month CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH 03103 6013
6 Month Certificate of Deposit
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
6 Month Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
6 Month IRA Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
6 month CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
6 Month Certificate
$2,500
3.95%
▼
Rate3.88%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month Business Term Deposit Certificates (TDC)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month Term Deposit Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month Term Deposit Certificates (TDC)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Certificates of Deposit 6 Month
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Consumer Certificate of Deposit 6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 6 Months
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
Certificate Special 6-month
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA 02169 6714
Standard Share Certificate 6 months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
6 Months Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6 months Certificates & IRAs
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
New Money Special
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6 months Share/IRA Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
New Money Special
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6-Month CD
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
245 Long Hill Rd, Middletown, CT 06457
6-Month Business CD
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
6 months CD
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
6 Month CD/IRA
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
5601 E La Palma Ave, Anaheim, CA 92807 2109
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Money Only
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
6 Month CD/IRA CD
$2,500
3.75%
▼
Rate3.72%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Certificate of Deposit 6 months
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.72%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Certificate of Deposit & IRAs 6 months
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
5601 E La Palma Ave, Anaheim, CA 92807 2109
6 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Money Only
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA 02150
6 Months Certificates of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
245 Long Hill Rd, Middletown, CT 06457
6-Month CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
245 Long Hill Rd, Middletown, CT 06457
6-Month HSA CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
6 Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
IRA Certificate 6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
6 Month Certificate
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
6 Month Premium Certificate Account
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
6 Month Certificate (CDs) / IRA
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
160 Main St, Gloucester, MA 01930
6 Months CD
$2,500
3.60%
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6 months Share/IRA Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
6 months Certificates & IRAs
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Billerica Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
365 boston rd, billerica, MA 01821
6 Months CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
6 Months - 18 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
6 Month Certificate Account
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
6-Month Fixed Rate Certificate of Deposit (CD)
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
6 Month IRA CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
6 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
6 Month CD
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
6 Month Certificate of Deposit (CD)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
6 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
6 Month Certificates & Individual Retirement Accounts
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 6 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA 01605
12 Months CD
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
12-MONTH CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
30 Boston St Ste 9, Lynn, MA 01904
1 year CD
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
12 months CD
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
12 Month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
12 Month Term Certificate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
12 Months Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA Certificates 12 Month
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
12 Month IRA
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
12 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month IRA Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month Term Deposit Certificates (TDC)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 12 Month IRA TDC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month IRA TDC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
12 Month Business Term Deposit Certificates (TDC)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
1 Year Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificates of Deposit 12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
12 Month CD
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 12 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month IRA Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
12 months Certificate
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
Regular term and IRA Certificates - 12 months
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA 02150
12 Months Certificates of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA 02150
IRA Certificates - 12 Months Traditional & Roth IRA's
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits Jumbo 12-Month
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
12 Month Certificate
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits First-Responder 12-Month
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
12 Month CD/IRA
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
10 Holden St, Malden, MA 02148
12 Months Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
12 months Certificates & IRAs
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
12-Month CD
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 12-Month Special
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
12 months Share/IRA Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
12 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
12 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
12 Month Certificates & Individual Retirement Accounts
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
SEP (Simplified Employee Pension) IRA Certificates 12 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
12 Month Certificate of Deposit (CD)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
12 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
12 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
12 Month CD/IRAs
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
12 month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
12 Months Certificates of Deposit
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
1 Year IRA CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
IRA Certificates 12 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $500.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
18 Month Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
18 months CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
10-18 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
18 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
18 Month CD/IRAs
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
18 Month CD/IRA
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Consumer Certificate of Deposit 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Certificates of Deposit 18 Month
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
253 Main St, Southbridge, MA 01550
18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 18 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificates of Deposit 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
18 Month CD
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
18 month CD
$500
3.49%
▼
Rate3.43%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
18 Month Certificate
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 18-Month Special
$5,000
3.35%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
18 Month Premium Certificate Account
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits One-Time Bump 18-Month
$5,000
3.30%
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
18-Month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
18 months Certificates & IRAs
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
18 months Share/IRA Certificates
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
18 Month Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Certificates of Deposit 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
18 Month Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
18 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA 02210 2001
18 Month Certificate Account
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
18 Months IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
SEP (Simplified Employee Pension) IRA Certificates 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
IRA Certificates 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
18-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
1.5 Year IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
1.5 Year CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
IRA Certificates 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $500.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
18 Month Term Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA Certificates 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
18 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
18 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
18 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
18 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
18 Month Certificate of Deposit (CD)
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
18 Month Certificates & Individual Retirement Accounts
$500
3.20%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
18 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
24-MONTH CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
2 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Union St Ste 104, Norfolk, MA 02056 1855
24 Months Share Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month IRA Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
24 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
24 Month IRA
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA Certificates 24 Month
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
24-Month Save for Success Hybrid Share Certificate
$25
3.75%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedMay 10, 2026
Details
Transfer In Up To $1,000 Each Month; Build Your Savings At Your Own Pace
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
24-Month Certificates of Deposit (CDs)
$500
3.67%
▼
Rate3.61%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 2 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
24 months CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
24 Month CD/IRAs
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 24 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Certificates of Deposit 2 Year
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Consumer Certificate of Deposit 2 years
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
24 Months Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 24 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
24 Month Certificate
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
24 Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
24 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8 Cedar St, Woburn, MA 01801 7246
24 Months Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8 Cedar St, Woburn, MA 01801 7246
Share Certificate & IRA Certificates 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
24 Month CD/IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
24 Month Certificate of Deposit (CD)
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
24 Month Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA 02186
24 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
24 Months IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
368 W Broadway, South Boston, MA 02127 2272
24 months CD's and IRA's
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
24 Month Term Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 24 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificate of Deposit 24 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
24 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
160 Main St, Gloucester, MA 01930
IRA 24 Months and over
$500
3.25%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$50,000.00
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
160 Main St, Gloucester, MA 01930
IRA 24 Months
$500
3.25%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00 - $49,999.99
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
160 Main St, Gloucester, MA 01930
24 Month CD
$500
3.25%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
24 Month Certificates & Individual Retirement Accounts
$500
3.20%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
2 Year IRA Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
24 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 24 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
Regular term and IRA Certificates - 24 months
$2,500
3.14%
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
24 months Certificate
$2,500
3.14%
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
3-Year Step-Up IRA Year - 3
$200
4.00%
▼
Rate3.93%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
3 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
36 months CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
36 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Simplified Employee Pension (SEP) IRAs 36 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
36 Month Term Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
3-Year Step-Up IRA Year - 2
$200
3.50%
▼
Rate3.45%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 36 Months
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
36 Months Certificate
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
3 Year IRA Certificates
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
36 Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Consumer Certificate of Deposit 3 years
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
40 Pine St, Stoneham, MA 02180 2048
36 month IRA Certificate
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
36 Month CD/IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8 Cedar St, Woburn, MA 01801 7246
36 Months Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8 Cedar St, Woburn, MA 01801 7246
Share Certificate & IRA Certificates 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate, Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate, Year 2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificate, Year 3
$0
3.30%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificates of Deposit Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificates of Deposit Year 2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
36 Month Step Up Certificates of Deposit Year 3
$0
3.30%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
36 months Certificate
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
Regular term and IRA Certificates - 36 months
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
36 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
36 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
36 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
3-Year Step-Up IRA Year - 1
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA Certificates 36 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
36-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
36 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 36 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificate of Deposit 36 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
36 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
36 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
3 Years Term Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 36 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
36 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
36 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA 02150
36 Months Certificates of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
10 Holden St, Malden, MA 02148
36 Months Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
3 Years Certificate and IRA Certificates
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 36 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA 02169 6714
Standard Share Certificate 36 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
4 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
48 months CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
48 Month Term Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
48 Month Fixed
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
48 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
48 months Certificate
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
Regular term and IRA Certificates - 48 months
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
48 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA Certificates 48 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
48 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
48 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 48 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificate of Deposit 48 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
48 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
48 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
48 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
48 Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
48 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
48 Month CD/IRAs
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA 01104
48 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 48 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
48 Months Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
48 Month Certificates & Individual Retirement Accounts
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 48 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
4 Year IRA CD
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA 02169 6714
Standard Share Certificate 48 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Haverhill, MA 01830 4132
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI 02860 1227
IRA Certificate Of Deposit 48 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI 02860 1227
48 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
179 Main St, Southbridge, MA 01550
IRA Certificates 48 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
179 Main St, Southbridge, MA 01550
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificates of Deposit 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
48 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 48-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
4 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
4 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
SEP (Simplified Employee Pension) IRA Certificates 4 Years
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
150 West St, Pittsfield, MA 01201
48 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH 03103 6013
48 Month Certificate of Deposit
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
Retirement 48 Month CD
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premier5 Banking APY
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
5 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA 02132
60 months CD
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
60 months Certificate
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
14 Research Drive, Bethel, CT 06810
Regular term and IRA Certificates - 60 months
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
60 Month Fixed
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
60 Month Term Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
IRA Certificates 60 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $500.00
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Certificates of Deposit 5 Year
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
Consumer Certificate of Deposit 5 years
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
IRA Certificates 60 Months
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA 02169
60 Months Certificate
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
40 Pine St, Stoneham, MA 02180 2048
60 month IRA Certificate
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
60 Month Term Certificate
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
60 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
30 International Pl, Tewksbury, MA 01876
60 Month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
60 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
60 Month Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
IRA Certificates 60 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
60-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA 01950
60 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
60 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Individual Retirement Accounts (IRA) 60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
60 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
60 Month IRA Certificates
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
60 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificate of Deposit 60 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
80 Montvale Ave, Stoneham, MA 02180
Business Certificates of Deposit 60 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
60 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit 60 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA 02169 6714
Standard Share Certificate 60 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
60 Month CD/IRAs
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA 01104
60 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
60 Month Certificates & Individual Retirement Accounts
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
Certificates of Deposit 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
60 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI 02860 1227
60 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Haverhill, MA 01830 4132
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI 02860 1227
IRA Certificate Of Deposit 60 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
179 Main St, Southbridge, MA 01550
IRA Certificates 60 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
5 Year IRA CD
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
IRA Certificates of Deposit 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
60 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
179 Main St, Southbridge, MA 01550
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 60-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
5 Year IRA CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
SEP (Simplified Employee Pension) IRA Certificates 5 Years
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Massachusetts at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- Massachusetts CD rates currently reach as high as 4.08% APY from Worcester Fire Dept Credit Union. The rate table above ranks every offer we track for Massachusetts, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Massachusetts CD Rate Trends
Compare local Massachusetts 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
2.050%
▲ 0.077 vs 7 days ago
Massachusetts 12-month CD rates rose 0.077 points over the past 7 days to 2.050% APY.
6-Month CD — MA Avg
2.469%
▲ 0.073 vs 7 days ago
Massachusetts 6-month CD rates rose 0.073 points over the past 7 days to 2.469% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MA CD Rate Forecast — Next 12 Months
Where are Massachusetts CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.050%
6-Month Forecast
2.050%
Range: 1.85% – 2.20%
12-Month Forecast
1.800%
Range: 1.60% – 1.95%
Powered by
MonitorBankRates
What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.028% | $101.42 | $202.84 | $507.10 | $1,014.20 |
| 6-Month CD | 2.469% | $123.44 | $246.87 | $617.18 | $1,234.35 |
| 12-Month CD | 2.050% | $102.52 | $205.04 | $512.60 | $1,025.20 |
| 18-Month CD | 2.235% | $111.75 | $223.50 | $558.75 | $1,117.50 |
| 24-Month CD | 2.225% | $111.26 | $222.51 | $556.28 | $1,112.55 |
| 36-Month CD | 1.848% | $92.42 | $184.83 | $462.08 | $924.15 |
| 48-Month CD | 1.814% | $90.72 | $181.43 | $453.58 | $907.15 |
| 60-Month CD | 2.327% | $116.33 | $232.65 | $581.63 | $1,163.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 15, 2026. | |||||
Sample CD Ladder for 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 | 2.028% | $101.42 |
| 2 | 6-Month CD | $5,000 | 2.469% | $123.44 |
| 3 | 12-Month CD | $5,000 | 2.050% | $102.52 |
| 4 | 24-Month CD | $5,000 | 2.225% | $111.26 |
| 5 | 36-Month CD | $5,000 | 1.848% | $92.42 |
| Total ($25,000 invested) | $25,000 | 2.124% blended | $531.06/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.
944
CD Rates
Tracked in Massachusetts
Tracked in Massachusetts
50 Banks
53 Credit Unions
About Our Massachusetts CD Rate Database
MonitorBankRates tracks 944 CD rates from 50 banks and 53 credit unions with locations in Massachusetts, plus national online institutions available to Massachusetts residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Worcester Fire Dept Credit Union offers a CD at 4.08% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Massachusetts.
How to Find the Best CD Rates in Massachusetts
What to compare when shopping for a CD in Massachusetts
To find the best APYs in Massachusetts, start with credit unions and online-only banks — Massachusetts has 53 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 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 Massachusetts — 103 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Massachusetts savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Massachusetts money market rates
Massachusetts Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
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
$117/yr
At MA 12-mo avg 2.050% 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 2.050%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $117 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 Massachusetts
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Massachusetts
Are CD rates in Massachusetts FDIC insured?
Yes, most established banks in 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 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 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 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 Massachusetts?
Here are recent top rates found for this area:
- Worcester Fire Dept Credit Union: 4.08% APY (12 Months CD)
- River Works Credit Union: 4.07% APY (6 Month Certificate of Deposit)
- Institution for Savings: 4.05% APY (12-MONTH CD)
- Shrewsbury Federal Credit Union: 4.02% APY (6 Month Certificate)
- Millbury Federal Credit Union: 4.00% APY (3-Year Step-Up IRA Year - 3)
- Lynn Firemens Federal Credit Union: 4.00% APY (1 year CD)
- Webster Bank: 4.00% APY (Private 3-Month CD)
- Members Plus Credit Union: 4.00% APY (3 year CD)
- Walpole Co-operative Bank: 3.95% APY (6 Month Certificate)
- Winchester Co-operative Bank: 3.90% APY (6 Month Business Term Deposit Certificates (TDC))
Rates reflect recent verified offers available in Massachusetts. Last Updated: May 15, 2026
CD Calculators for Massachusetts
Massachusetts CD Calculator
At today’s MA top rate of 4.08% APY, a $10,000 deposit earns $408 in the first year. Enter your amount to see your exact return.
Massachusetts CD LadderMA CD rates currently range from 2.028% (3-month) to 1.848% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Massachusetts CD at 4.08% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.050% 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 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 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 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: May 15, 2026
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