Massachusetts Best CD Rates October 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.
Massachusetts CD rates range from 0.65% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Massachusetts CD rates include Clinton Savings BankClinton Savings Bank200 Church St, Clinton, MA 01510A-5.0 ★Texas Ratio: 15.56%Real return: +2.20%APY minus CPI (February 2026) offering 12-month Get Real Add-On CD at 5.00% APY, Rockland Federal Credit UnionRockland Federal Credit Union241 Union St, Rockland, MA 02370A+5.0 ★Texas Ratio: 3.09%Real return: +1.95%APY minus CPI (February 2026) offering 3 Year Share Certificate at 4.75% APY, Energy Credit UnionEnergy Credit Union156 Spring St, West Roxbury, MA 02132A+5.0 ★Texas Ratio: 5.81%Real return: +1.95%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.75% APY, Happen BankHappen Bank1 Harbor St, Boston, MA 02210A+5.0 ★Texas Ratio: 2.06%Real return: +1.80%APY minus CPI (February 2026) offering 2 Year Consumer Certificate of Deposit at 4.60% APY, and Cranberry Federal Credit UnionCranberry Federal Credit Union2203 Cranberry Hwy, West Wareham, MA 02576 1210A+5.0 ★Texas Ratio: 5.35%Real return: +1.79%APY minus CPI (February 2026) offering 12-Month Traditional/Roth IRA CD at 4.59% APY. CD rates as of October 13, 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 5.00% APY from Clinton Savings Bank at 200 Church St, Clinton, MA 01510. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in Massachusetts
Massachusetts 3 Month CD Rates
MonitorBankRates Massachusetts Average · 3 Month CD1.95% APY▼ 0.02% from last weekNational 2.09%
The average 3-month CD rate in Massachusetts is 1.95% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Month CD
$0
4.25%
▲ 2.30% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 2.30% above avgNationally 2.09%
Details
Rates effective as of 9/22/26 and are subject to change without notice. Minimum opening deposit of $1,000. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings. For more information, please refer to our disclosures.
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Month High-Yield Certificates of Deposit
$1,000
4.25%
▲ 2.30% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 2.30% above avgNationally 2.09%
Details
See below for full disclosure
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 4 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 3 Month
$1,000
4.00%
▲ 2.05% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 2.05% above avgNationally 2.09%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.00% APY
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
947 Western Ave, Lynn, MA 01905 2640
3 Month Certificate of Deposit
$0
3.90%
▲ 1.95% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 1.95% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
3 Month Certificate
$1,000
3.85%
▲ 1.90% above Massachusetts avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.90% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 24, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
New Bedford Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1150 Purchase St, New Bedford, MA 02740 6635
3 Month Certificate of Deposit
$0
3.85%
▲ 1.90% above Massachusetts avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 1.90% above avgNationally 2.09%
Details
SPECIAL
Rate History
No change since Oct 13, 2026 · 3.85% APY
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
3 Month Certificate of Deposit
$1,000
3.80%
▲ 1.85% above Massachusetts avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.85% above avgNationally 2.09%
Details
Open 3 Month CD Online (Opens in new tab)
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
3 Month IRA Certificate of Deposit
$250
3.80%
▲ 1.85% above Massachusetts avg
▼
Rate3.73%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.85% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 6 times
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
243 Broadway, Methuen, MA 01844
3 Month CD
$1,000
3.75%
▲ 1.80% above Massachusetts avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.80% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 3 Month
$0
3.65%
▲ 1.70% above Massachusetts avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.70% above avgNationally 2.09%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
Arrha Credit Union
145 Industry Ave, Springfield, MA 01104 3222
3 Month Premium Certificate
$50,000
3.65%
▲ 1.70% above Massachusetts avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Massachusetts Average1.95%▲ 1.70% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 Merrimack St, Lawrence, MA 01843
3 Month Certificate Account
$50,000
3.65%
▲ 1.70% above Massachusetts avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 1.70% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Month Certificate
$1,000
3.60%
▲ 1.65% above Massachusetts avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.65% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 7 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
3 Month CD
$0
3.60%
▲ 1.65% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.65% above avgNationally 2.09%
Details
Earn Up To
Rate History
3 changes since Sep 14, 2026 · 2.20% → 3.60% ▲ 1.40 pts · high 3.60% / low 2.20%
- Oct 8, 20263.60%▲ from 2.20%
- Sep 25, 20262.20%▼ from 3.60%
- Sep 18, 20263.60%▲ from 2.20%
- Sep 14, 20262.20%first recorded
Arrha Credit Union
145 Industry Ave, Springfield, MA 01104 3222
3 Month Certificate
$500
3.55%
▲ 1.60% above Massachusetts avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Massachusetts Average1.95%▲ 1.60% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
500 Merrimack St, Lawrence, MA 01843
3 Month Certificate Account
$500
3.55%
▲ 1.60% above Massachusetts avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 1.60% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
Business 3 Month Certificate of Deposit
$1,000
3.50%
▲ 1.55% above Massachusetts avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
3 Month Certificate
$0
3.50%
▲ 1.55% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 3 times
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
3 Month Fixed Rate CD
$0
3.50%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
375 Merrimack St, Lowell, MA 01852 5909
Share Certificate - 3 months
$500
3.39%
▲ 1.44% above Massachusetts avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.44% above avgNationally 2.09%
Details
Effective Date: March 13, 2026
Rate History
No change since Sep 24, 2026 · 3.39% APY · checked 4 times
MutualOne Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.48%
828 Concord St, Framingham, MA 01701
3 Month CD
$500
3.35%
▲ 1.40% above Massachusetts avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 8 times
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
78 Main St, Edgartown, MA 02539
3-Month CD
$1,000
3.35%
▲ 1.40% above Massachusetts avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details
Rate guaranteed for the length of the term.
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
3 Month Business Share Certificate
$0
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Balance: $500.00 - $500.00
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
3 Month Share & IRA Certificate
$0
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
3 Month Share Certificate
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1 College Ave, Somerville, MA 02144
3 Month CD
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 8 times
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1 College Ave, Somerville, MA 02144
Business 3 Month CD
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 7 times
Coastal Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
744 Broad St, East Weymouth, MA 02189
3 Month Certificate of Deposit
$1,000
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 8 times
Coastal Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
744 Broad St, East Weymouth, MA 02189
IRA Certificates of Deposit - 3 Months
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 7 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
3 Month Certificate of Deposit
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
63 State St, Newburyport, MA 01950
3 Month Certificate
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
63 State St, Newburyport, MA 01950
Open a 24 Cd - 3 Month
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
3 Month Term Share Certificates
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
3 Month Certificates
$1,000
3.25%
▲ 1.30% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
3 Month IRA Certificates
$1,000
3.25%
▲ 1.30% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
3 Month CD
$500
3.20%
▲ 1.25% above Massachusetts avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.25% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
3 Month Certificate
$0
3.14%
▲ 1.19% above Massachusetts avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.19% above avgNationally 2.09%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
70 Westview St, Lexington, MA 02421 3142
3 Months High Yield
$500
3.10%
▲ 1.15% above Massachusetts avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 1.15% above avgNationally 2.09%
Details
New Money Only: No; May be used for Traditional and Roth accounts: No
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Cambridge Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Month Certificate
$0
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
- Oct 2, 20263.00%▼ from 3.25%
- Sep 18, 20263.25%first recorded
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
42 Main St, Hudson, MA 01749
3 Month Certificate
$1,000
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Daily Minimum Balance to Obtain APY** is $1,000
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 8 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
3-Month Business CD
$0
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
3-Month CD
$0
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Marthas Vineyard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
78 Main St, Edgartown, MA 02539
3-Month CD
$1,000
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.00% ▼ 0.35 pts · high 3.35% / low 3.00%
- Oct 12, 20263.00%▼ from 3.35%
- Sep 14, 20263.35%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 3 Month
$500
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
300 Granite St Fl 3, Braintree, MA 02184 3909
3 Month Certificate of Deposit
$500
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
30 Pond St, Sharon, MA 02067 2040
3 Month Certificate
$0
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
75 Park St, Lee, MA 01238
3 Month Certificate
$500
2.75%
▲ 0.80% above Massachusetts avg
▼
Rate2.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
99 Chestnut St, North Attleboro, MA 02760
Certificate Of Deposit - 3 month
$1,000
2.75%
▲ 0.80% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details
Rate History
No change since Oct 13, 2026 · 2.75% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
99 Chestnut St, North Attleboro, MA 02760
IRA Certificate Of Deposit - 3 month
$500
2.75%
▲ 0.80% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details
Minimum to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
3 Month Certificate
$500
2.75%
▲ 0.80% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Massachusetts 6 Month CD Rates
MonitorBankRates Massachusetts Average · 6 Month CD2.69% APY▲ 0.05% from last weekNational 2.78%
The average 6-month CD rate in Massachusetts is 2.69% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
6 Month High-Yield CD
$500
4.40%
▲ 1.71% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.69%▲ 1.71% above avgNationally 2.78%
Details
10-Day CD Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
6 Month Consumer Certificate of Deposit
$500
4.30%
▲ 1.61% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.61% above avgNationally 2.78%
Details
Maximum opening deposit $500,000.00
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
6 Month CD
$0
4.25%
▲ 1.56% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.69%▲ 1.56% above avgNationally 2.78%
Details
Rates effective as of 9/22/26 and are subject to change without notice. Minimum opening deposit of $1,000. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings. For more information, please refer to our disclosures.
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
6 Month High-Yield Certificates of Deposit
$1,000
4.25%
▲ 1.56% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.69%▲ 1.56% above avgNationally 2.78%
Details
See below for full disclosure
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 4 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
6 Month Certificate
$1,000
4.20%
▲ 1.51% above Massachusetts avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Sep 24, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
6 Month Certificate of Deposit
$1,000
4.20%
▲ 1.51% above Massachusetts avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.20% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
6 Month CD
$0
4.20%
▲ 1.51% above Massachusetts avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
1 change since Sep 24, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
- Oct 1, 20264.20%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
6 Month Certificate
$2,500
4.10%
▲ 1.41% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.41% above avgNationally 2.78%
Details
Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 7 times
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
Business 6 Month Certificate
$2,500
4.10%
▲ 1.41% above Massachusetts avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.41% above avgNationally 2.78%
Details
Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 8 times
Canton Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
671 Washington St, Canton, MA 02021
6 Month CD
$0
4.10%
▲ 1.41% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.41% above avgNationally 2.78%
Details
Rate History
1 change since Sep 19, 2026 · 2.02% → 4.10% ▲ 2.08 pts · high 4.10% / low 2.02%
- Oct 7, 20264.10%▲ from 2.02%
- Sep 19, 20262.02%first recorded
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
311 Chestnut St, Chelsea, MA 02150
6 Months Certificate of Deposit
$0
4.07%
▲ 1.38% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.38% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
248 Broadway, Methuen, MA 01844
Certificate of Deposit - 6 Month SPECIAL
$1,000
4.07%
▲ 1.38% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.38% above avgNationally 2.78%
Details
Available as IRA CD; Penalties may be imposed for early withdrawals
Rate History
No change since Oct 13, 2026 · 4.07% APY
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
947 Western Ave, Lynn, MA 01905 2640
6 Month Certificate of Deposit
$0
4.07%
▲ 1.38% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.38% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
6 Month CD
$500
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
6 Month Business Share Certificate
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Balance: $500.00 - $500.00
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
6 Month Share & IRA Certificate
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
6 Month Share Certificate
$250
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
6 Month Homeowner CD
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Additional 4.00%** Annualized Bonus for Leader Bank Home Purchase
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
400 Broadway, Lynn, MA 01904
6-Month CD
$500
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
No change since Oct 11, 2026 · 4.00% APY
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
6-Month CD
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
6 Month IRA Certificates
$500
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 6 Month
$1,000
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.00% APY
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
271 Greenwood St, Worcester, MA 01607
Certificate - 6 Month
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 9, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
271 Greenwood St, Worcester, MA 01607
IRA Certificate 6 Month
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
1 change since Oct 5, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 9, 20264.00%▲ from 3.65%
- Oct 5, 20263.65%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
Certificate - 6 Month
$0
3.95%
▲ 1.26% above Massachusetts avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.78%
Details
Dividends post at certificate maturity; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
IRA Certificate 6 months
$0
3.95%
▲ 1.26% above Massachusetts avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.78%
Details
IRA Certificate; Rates effective as of 10/12/2026; NCUA-insured: Yes
Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
6 month Certificate
$0
3.95%
▲ 1.26% above Massachusetts avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.78%
Details
Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 5, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
All One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
910 W Boylston St, Worcester, MA 01606
Term Share Certificate - 6 Month
$500
3.95%
▲ 1.26% above Massachusetts avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.78%
Details
Term Share Certificates / Term Share IRAs; APY effective 09/22/2026; new money required
Rate History
No change since Oct 13, 2026 · 3.95% APY
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
6 Months Term Share Certificate (CD & IRA)
$500
3.95%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.78%
Details
Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 3 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
6 Month Certificate of Deposit
$1,000
3.90%
▲ 1.21% above Massachusetts avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.78%
Details
Open 6 Month CD Online (Opens in new tab)
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
6 Month IRA Certificate of Deposit
$250
3.90%
▲ 1.21% above Massachusetts avg
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
6 Month TDC
$0
3.90%
▲ 1.21% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
6 Month Term Deposit Certificate
$0
3.90%
▲ 1.21% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.78%
Details
Balance: $10.00; (1)
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 6 Month TDC
$0
3.90%
▲ 1.21% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1336 Massachusetts Ave, Cambridge, MA 02138
6 Month CD/IRA CD
$2,500
3.90%
▲ 1.21% above Massachusetts avg
▼
Rate3.86%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.78%
Details
Rate History
1 change since Sep 30, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
- Oct 3, 20263.90%▲ from 3.85%
- Sep 30, 20263.85%first recorded
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
49 Church St, Whitinsville, MA 01588
6 Month IRA CD
$0
3.85%
▲ 1.16% above Massachusetts avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.16% above avgNationally 2.78%
Details
Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 6 times
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
100 Quincy Ave, Quincy, MA 02169 6714
6 Month Certificate
$1,000
3.85%
▲ 1.16% above Massachusetts avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.69%▲ 1.16% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10 Holden St, Malden, MA 02148
6 Month Certificate
$500
3.82%
▲ 1.13% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.13% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
6-Month Business CD
$0
3.80%
▲ 1.11% above Massachusetts avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.11% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
94 Shaker Road, East Longmeadow, MA 01028
6-Month HSA CD
$0
3.80%
▲ 1.11% above Massachusetts avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.11% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
6 Month Share Certificate
$500
3.79%
▲ 1.10% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.10% above avgNationally 2.78%
Details
Tier 1; dividends post at maturity; 2 month dividend penalty for early withdrawal
Rate History
No change since Oct 8, 2026 · 3.79% APY · checked 2 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 1 - 6 Month
$500
3.79%
▲ 1.10% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.10% above avgNationally 2.78%
Details
Dividends post at maturity; 2 month dividend penalty for early withdrawal
Rate History
1 change since Sep 16, 2026 · 4.04% → 3.79% ▼ 0.25 pts · high 4.04% / low 3.79%
- Oct 8, 20263.79%▼ from 4.04%
- Sep 16, 20264.04%first recorded
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 2 - 6 Month
$25,000
3.79%
▲ 1.10% above Massachusetts avg
▼
Rate3.75%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.10% above avgNationally 2.78%
Details
Dividends post at maturity; 2 month dividend penalty for early withdrawal
Rate History
1 change since Sep 16, 2026 · 4.04% → 3.79% ▼ 0.25 pts · high 4.04% / low 3.79%
- Oct 8, 20263.79%▼ from 4.04%
- Sep 16, 20264.04%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
6 Month Fixed
$0
3.76%
▲ 1.07% above Massachusetts avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.07% above avgNationally 2.78%
Details
IRA Savings Rates; Rates effective as of October 5, 2026
Rate History
2 changes since Sep 14, 2026 · 3.24% → 3.76% ▲ 0.52 pts · high 3.76% / low 3.24%
- Oct 9, 20263.76%▲ from 3.40%
- Oct 5, 20263.40%▲ from 3.24%
- Sep 14, 20263.24%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
Term Deposit - 6 Month
$0
3.76%
▲ 1.07% above Massachusetts avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.07% above avgNationally 2.78%
Details
Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.76% APY
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5 Market St, Amesbury, MA 01913
Business 6 Month Community Certificate of Deposit Special
$1,000
3.75%
▲ 1.06% above Massachusetts avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
243 Broadway, Methuen, MA 01844
6 Month CD
$1,000
3.75%
▲ 1.06% above Massachusetts avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
419 Broadway, Everett, MA 02149
6-Month Insured CD
$500
3.75%
▲ 1.06% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.78%
Details
New money only. $250,000 maximum deposit. Annual Percentage Yield (APY) is accurate of the date posted and is subject to change without notice. APY assumes the interest remains on deposit until maturity. A penalty may be imposed for early withdrawal. Offer may be withdrawn at any time. A minimum of $500 is required to open a Certificate of Deposit and earn the advertised APY.
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
419 Broadway, Everett, MA 02149
6-Month Special Certificate
$500
3.75%
▲ 1.06% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Open Online
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
11 Central St, Norwood, MA 02062
6 Month Certificate of Deposit
$2,500
3.75%
▲ 1.06% above Massachusetts avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Compounding: Monthly; Visit a Branch to open
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
Massachusetts 12 Month CD Rates
MonitorBankRates Massachusetts Average · 12 Month CD2.79% APY▲ 0.07% from last weekNational 2.99%
The average 12-month CD rate in Massachusetts is 2.79% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Clinton Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.56%
200 Church St, Clinton, MA 01510
12-month Get Real Add-On CD
$100
5.00%
▲ 2.21% above Massachusetts avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 2.21% above avgNationally 2.99%
Details
APY (Annual Percentage Yield) is for 12-month Get Real Add-On CD promotional rate CD. Rate effective 8/28/2025. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Minimum deposit of $100.00 required to open CD and a $10.00 minimum balance required to obtain APY. To qualify for this account, you must be 14-25 years of age with an active Get Real Checking Account or Get Real Savings Account. If you are under the age of 18 you will need a signature of a parent or a legal guardian as a joint owner. After the account is opened, you may make deposits until the maturity date. Deposits can be made at the branch or transferred from another account via online banking or our mobile app. At maturity, the 12-month Get Real Add-On CD will revert to a 12-month CD which will not accept additional deposits after the account is opened with the non-promotional APY at that time. Early withdrawal penalties may apply. Fees may reduce earnings. Offer may be withdrawn at any time. Not to be combined with any additional promotional offer. For more information, please call 978-365-3700.
Rate History
1 change since Sep 19, 2026 · 3.00% → 5.00% ▲ 2.00 pts · high 5.00% / low 3.00%
- Oct 11, 20265.00%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month Traditional/Roth IRA CD
$100,000
4.59%
▲ 1.80% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.80% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Sep 29, 20264.59%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 12-Month
$100,000
4.59%
▲ 1.80% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.80% above avgNationally 2.99%
Details
Min balance tier: $100.000.00 (as printed)
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Sep 29, 20264.59%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
Premium 12 months
$500
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 2.99%
Details
Must Open In-Branch
Rate History
1 change since Sep 9, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Sep 24, 20264.50%▲ from 4.30%
- Sep 9, 20264.30%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
12 Month IRA Certificates
$500
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 2.99%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 4, 20264.50%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 12 Month
$1,000
4.50%
▲ 1.71% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 2.99%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.50% APY
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
71 Station Lndg, Medford, MA 02155 5191
12 Month Certificate
$0
4.50%
▲ 1.71% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.79%▲ 1.71% above avgNationally 2.99%
Details
Special Rate
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month Traditional/Roth IRA CD
$500
4.44%
▲ 1.65% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.65% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Sep 29, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 12-Month
$500
4.44%
▲ 1.65% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.65% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Sep 29, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
12 months High-Yield CD
$500
4.40%
▲ 1.61% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.79%▲ 1.61% above avgNationally 2.99%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
12 Month Certificate
$1,000
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 24, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
12 Month Share Certificate
$1,000
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Tier 1; dividends post at maturity; 2 month dividend penalty for early withdrawal
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 1 - 12 Month
$1,000
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Dividends post at maturity; 2 month dividend penalty for early withdrawal
Rate History
1 change since Sep 16, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 8, 20264.25%▲ from 3.75%
- Sep 16, 20263.75%first recorded
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
24 Church St, Leominster, MA 01453
IRA Certificates - Tier 2 - 12 Month
$25,000
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Dividends post at maturity; 2 month dividend penalty for early withdrawal
Rate History
1 change since Sep 16, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 8, 20264.25%▲ from 3.75%
- Sep 16, 20263.75%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
12 Month Certificate of Deposit
$1,000
4.25%
▲ 1.46% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
1 Year Certificate
$1,000
4.20%
▲ 1.41% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 1.41% above avgNationally 2.99%
Details
Rate History
1 change since Sep 11, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 24, 20264.20%▲ from 4.05%
- Sep 11, 20264.05%first recorded
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
982 Main St, Walpole, MA 02081
Business 1 Year Certificate
$1,000
4.20%
▲ 1.41% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 1.41% above avgNationally 2.99%
Details
Rate History
1 change since Sep 11, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 24, 20264.20%▲ from 4.05%
- Sep 11, 20264.05%first recorded
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 1 Year
$0
4.19%
▲ 1.40% above Massachusetts avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.40% above avgNationally 2.99%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 4.19% APY · checked 2 times
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
400 Broadway, Lynn, MA 01904
12-Month CD
$500
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 2.99%
Details
Rate History
No change since Oct 11, 2026 · 4.15% APY
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
12 Month IRA TDC
$0
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
12 Month TDC
$0
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 12 Month TDC
$0
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 12 Month IRA TDC
$0
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 2.99%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
1 Year Share Certificate
$0
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 2.99%
Details
Compounding: Monthly; Personal accounts only
Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
12 Month Term Share Certificates
$500
4.15%
▲ 1.36% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.36% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Sep 21, 20264.15%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
12 Month Business Share Certificate
$0
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 2.99%
Details
Balance: $500.00 - $500.00
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
12 Month Share & IRA Certificate
$0
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 5 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
199 Worcester Ct, Falmouth, MA 02540
12 Month Share Certificate
$500
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 2.99%
Details
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
12 Month CD
$0
4.10%
▲ 1.31% above Massachusetts avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.79%▲ 1.31% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 1, 20264.10%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
34 GLENNIE ST, WORCESTER, MA 01605
12 Month CD
$0
4.08%
▲ 1.29% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.79%▲ 1.29% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month Certificate
$1,000
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 2.99%
Details
Regular Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.26 pts · high 4.07% / low 3.82%
- Sep 24, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month IRA Certificate
$1,000
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 2.99%
Details
IRA Share Certificate; Dividend rate; APY*
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.26 pts · high 4.07% / low 3.82%
- Sep 25, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
311 Chestnut St, Chelsea, MA 02150
12 Months Certificate of Deposit
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
311 Chestnut St, Chelsea, MA 02150
IRA Certificates - 12 Months - Traditional & Roth IRA's
$0
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 2.99%
Details
Traditional & Roth IRA's
Rate History
No change since Oct 12, 2026 · 4.07% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 12 Month
$500
4.07%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.28% above avgNationally 2.99%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.07% ▲ 0.22 pts · high 4.07% / low 3.85%
- Oct 5, 20264.07%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1 Year CD
$500
4.05%
▲ 1.26% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.26% above avgNationally 2.99%
Details
Rates on certificates of deposit are guaranteed for the length of the term
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1 Year IRA CD
$500
4.05%
▲ 1.26% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.26% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business Certificates of Deposit - 1 Year CD
$500
4.05%
▲ 1.26% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.26% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business SEP (Simplified Employee Pension) IRA Certificates - 1 Year IRA CD
$500
4.05%
▲ 1.26% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.26% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business SEP 1 Year IRA CD
$500
4.05%
▲ 1.26% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.79%▲ 1.26% above avgNationally 2.99%
Details
SEP (Simplified Employee Pension) IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
1 Year CD
$0
4.05%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.79%▲ 1.26% above avgNationally 2.99%
Details
Rates effective as of 9/22/26 and are subject to change without notice. Minimum opening deposit of $1,000. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings. For more information, please refer to our disclosures.
Rate History
No change since Oct 6, 2026 · 4.05% APY · checked 2 times
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
1 Year High-Yield Certificates of Deposit
$1,000
4.05%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.79%▲ 1.26% above avgNationally 2.99%
Details
See below for full disclosure
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
71 Washington St, Salem, MA 01970
12-month CD
$10,000
4.00%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Maximum deposit amount is $500,000 for Special CDs. Personal accounts only.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
12 Month CD
$500
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2 S Water St, Edgartown, MA 02539
1-Year CD
$1,000
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
12 Month Business Non-Profit Certificate of Deposit
$0
4.00%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
12 Month CD - Premier5 Banking
$0
4.00%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Open Now
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
30 Boston St Ste 9, Lynn, MA 01904
1 year CD
$0
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
12 Month IRA Certificates
$0
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
NCUA-insured; Rates effective as of 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.00% APY
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
103 N Elm St, Westfield, MA 01085
Certificate - 1 Year
$0
4.00%
▲ 1.21% above Massachusetts avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Massachusetts 18 Month CD Rates
MonitorBankRates Massachusetts Average · 18 Month CD2.82% APY▲ 0.03% from last weekNational 2.87%
The average 18-month CD rate in Massachusetts is 2.82% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
18-Month Traditional/Roth IRA CD
$500
4.49%
▲ 1.67% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.67% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Sep 29, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 18-Month
$500
4.49%
▲ 1.67% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.67% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Sep 29, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
18 Month CD
$500
4.40%
▲ 1.58% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.82%▲ 1.58% above avgNationally 2.87%
Details
10-Day CD Rate Guarantee
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 10, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
18 months High-Yield CD
$500
4.40%
▲ 1.58% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.82%▲ 1.58% above avgNationally 2.87%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
71 Washington St, Salem, MA 01970
18-Month CD
$10,000
4.36%
▲ 1.54% above Massachusetts avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.54% above avgNationally 2.87%
Details
Maximum deposit amount is $500,000 for Special CDs. Personal accounts only.
Rate History
No change since Oct 7, 2026 · 4.36% APY · checked 2 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
18 Month Certificate
$1,000
4.35%
▲ 1.53% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.53% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 18 Month
$0
4.34%
▲ 1.52% above Massachusetts avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.52% above avgNationally 2.87%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 4.34% APY · checked 2 times
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
71 Washington St, Salem, MA 01970
18-month CD Special
$10,000
4.30%
▲ 1.48% above Massachusetts avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Massachusetts Average2.82%▲ 1.48% above avgNationally 2.87%
Details
Maximum deposit amount is $500,000. Fees may reduce earnings. Personal accounts only. One account per customer.
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 2 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1336 Massachusetts Ave, Cambridge, MA 02138
18 Month CD/IRA CD
$2,500
4.30%
▲ 1.48% above Massachusetts avg
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.82%▲ 1.48% above avgNationally 2.87%
Details
Rate History
1 change since Sep 30, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 30, 20264.10%first recorded
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
18 Month Certificate
$1,000
4.25%
▲ 1.43% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.43% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
18 Month IRA Certificates
$500
4.25%
▲ 1.43% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.43% above avgNationally 2.87%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.43% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.43% above avgNationally 2.87%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
18 Month Share Certificate
$0
4.25%
▲ 1.43% above Massachusetts avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.43% above avgNationally 2.87%
Details
Compounding: Monthly; Personal accounts only
Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 2 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
18 Month Certificate of Deposit
$1,000
4.25%
▲ 1.43% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.43% above avgNationally 2.87%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
155 West St, Ware, MA 01082
Relationship 18 Month CD
$500
4.23%
▲ 1.41% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.41% above avgNationally 2.87%
Details
Primary or Joint Owner on Relationship Rewards Checking
Rate History
No change since Oct 3, 2026 · 4.23% APY · checked 3 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
18 Month Certificate
$1,000
4.18%
▲ 1.36% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.36% above avgNationally 2.87%
Details
Rate History
1 change since Sep 19, 2026 · 0.45% → 4.18% ▲ 3.73 pts · high 4.18% / low 0.45%
- Oct 3, 20264.18%▲ from 0.45%
- Sep 19, 20260.45%first recorded
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2 S Water St, Edgartown, MA 02539
Select 18-Month CD
$1,000
4.15%
▲ 1.33% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.33% above avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
18 Month IRA TDC
$0
4.15%
▲ 1.33% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.82%▲ 1.33% above avgNationally 2.87%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
18 Month TDC
$0
4.15%
▲ 1.33% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.82%▲ 1.33% above avgNationally 2.87%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 18 Month TDC
$0
4.15%
▲ 1.33% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.82%▲ 1.33% above avgNationally 2.87%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 18 Month IRA TDC
$0
4.15%
▲ 1.33% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.82%▲ 1.33% above avgNationally 2.87%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 3, 20264.15%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month Certificate
$1,000
4.13%
▲ 1.31% above Massachusetts avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.31% above avgNationally 2.87%
Details
Regular Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- Sep 24, 20264.13%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month IRA Certificate
$1,000
4.13%
▲ 1.31% above Massachusetts avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.31% above avgNationally 2.87%
Details
IRA Share Certificate; Dividend rate; APY*
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- Sep 25, 20264.13%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1.5 Year CD
$500
4.10%
▲ 1.28% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.28% above avgNationally 2.87%
Details
Rates on certificates of deposit are guaranteed for the length of the term
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
1.5 Year IRA CD
$500
4.10%
▲ 1.28% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.28% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business Certificates of Deposit - 1.5 Year CD
$500
4.10%
▲ 1.28% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.28% above avgNationally 2.87%
Details
Rate History
No change since Oct 13, 2026 · 4.10% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
87 Hale St, Lowell, MA 01851
Business SEP 1.5 Year IRA CD
$500
4.10%
▲ 1.28% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.28% above avgNationally 2.87%
Details
SEP (Simplified Employee Pension) IRA Certificates
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
155 West St, Ware, MA 01082
18 Month CD Special
$0
4.07%
▲ 1.25% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.25% above avgNationally 2.87%
Details
Open Online
Rate History
No change since Oct 3, 2026 · 4.07% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 18 Month
$500
4.07%
▲ 1.25% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.25% above avgNationally 2.87%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.07% ▲ 0.22 pts · high 4.07% / low 3.85%
- Oct 5, 20264.07%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
160 County St, New Bedford, MA 02740
18 Month CD
$500
4.00%
▲ 1.18% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
102 Rogers St, Gloucester, MA 01930
18-Month CD
$500
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
27 Park St, Attleboro, MA 02703
Private 18 Month
$0
4.00%
▲ 1.18% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Balance: $500+
Rate History
1 change since Sep 18, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 7, 20264.00%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
27 Park St, Attleboro, MA 02703
Private 18-Month CD
$500
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
for existing or new Private Checking account holders. Enjoy the flexibility of a short-term CD. Earn guaranteed returns.
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 2, 20264.00%▲ from 0.02%
- Sep 9, 20260.02%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5 Cheshire Rd, Pittsfield, MA 01201
18 Months CD
$0
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 24, 20264.00%▲ from 3.60%
- Sep 19, 20263.60%first recorded
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
30 Middlesex St, Lowell, MA 01852
18 Month Certificate
$500
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 3, 20264.00%▲ from 3.90%
- Sep 20, 20263.90%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
18 month Certificate
$0
4.00%
▲ 1.18% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 5, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 18 Month
$500
4.00%
▲ 1.18% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 18 Month
$200
4.00%
▲ 1.18% above Massachusetts avg
▼
Rate3.93%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
18 Months Term Share Certificate (CD & IRA)
$500
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 3 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
18 Month Certificates
$1,000
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 1, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
286 Oliver St, Fall River, MA 02724 2935
18 Month IRA Certificates
$1,000
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 1, 20264.00%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
18 Month Certificate
$500
4.00%
▲ 1.18% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
18 Month CD
$0
4.00%
▲ 1.18% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.82%▲ 1.18% above avgNationally 2.87%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 24, 20263.75%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
240 Cabot St, Beverly, MA 01915
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.03% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.03% above avgNationally 2.87%
Details
Requires a qualifying checking account.
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
240 Cabot St, Beverly, MA 01915
18-Month M&T Select CD
$0
3.85%
▲ 1.03% above Massachusetts avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.03% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
18 Month Business Non-Profit Certificate of Deposit
$0
3.85%
▲ 1.03% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.03% above avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
18 Month CD - Premier5 Banking
$0
3.85%
▲ 1.03% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.03% above avgNationally 2.87%
Details
Open Now
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
18 Month CD - PrimaryPlus Banking
$0
3.83%
▲ 1.01% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 1.01% above avgNationally 2.87%
Details
Open Now
Rate History
No change since Oct 7, 2026 · 3.83% APY · checked 2 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
18 Month Certificate
$0
3.82%
▲ 1.00% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.82%▲ 1.00% above avgNationally 2.87%
Details
Rate History
No change since Sep 30, 2026 · 3.82% APY · checked 4 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
18 Month CD
$0
3.80%
▲ 0.98% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.82%▲ 0.98% above avgNationally 2.87%
Details
Open Now
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
- Oct 7, 20263.80%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Massachusetts 24 Month CD Rates
MonitorBankRates Massachusetts Average · 24 Month CD2.63% APY▲ 0.03% from last weekNational 2.88%
The average 24-month CD rate in Massachusetts is 2.63% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
2 Year Consumer Certificate of Deposit
$500
4.60%
▲ 1.97% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.97% above avgNationally 2.88%
Details
Maximum opening deposit $500,000.00
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
- Oct 8, 20264.60%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
2 Year Share Certificate
$0
4.50%
▲ 1.87% above Massachusetts avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.87% above avgNationally 2.88%
Details
Compounding: Monthly; Personal accounts only
Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 2 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
2 years High-Yield CD
$500
4.40%
▲ 1.77% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.63%▲ 1.77% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
24 Month Certificate
$1,000
4.35%
▲ 1.72% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.63%▲ 1.72% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
24 Month IRA TDC
$0
4.30%
▲ 1.67% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.67% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
24 Month TDC
$0
4.30%
▲ 1.67% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.67% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 24 Month TDC
$0
4.30%
▲ 1.67% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.67% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 24 Month IRA TDC
$0
4.30%
▲ 1.67% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.67% above avgNationally 2.88%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month Traditional/Roth IRA CD
$50,000
4.28%
▲ 1.65% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.65% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Sep 29, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 24-Month
$50,000
4.28%
▲ 1.65% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.65% above avgNationally 2.88%
Details
Min balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Sep 29, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 24 Month
$1,000
4.25%
▲ 1.62% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.62% above avgNationally 2.88%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
24 Month Term Share Certificates
$500
4.25%
▲ 1.62% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.62% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 21, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
24 Month Certificate of Deposit
$1,000
4.25%
▲ 1.62% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.62% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
24 Month Certificates of Deposit
$250
4.25%
▲ 1.62% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.62% above avgNationally 2.88%
Details
SPECIAL OFFER; Available with a one-time bump-up option
Rate History
No change since Oct 13, 2026 · 4.25% APY
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
Business Certificates of Deposit - 24 Months
$250
4.25%
▲ 1.62% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.62% above avgNationally 2.88%
Details
SPECIAL OFFER
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Oct 13, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
Certificate of Deposit - 24 Months
$250
4.25%
▲ 1.62% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.62% above avgNationally 2.88%
Details
Special Offer; One-time bump-up option available; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
24 Month Certificate
$500
4.25%
▲ 1.62% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.63%▲ 1.62% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 24 Month (jumbo)
$50,000
4.23%
▲ 1.60% above Massachusetts avg
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.60% above avgNationally 2.88%
Details
Jumbo share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.23% APY
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month Certificate
$1,000
4.23%
▲ 1.60% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.60% above avgNationally 2.88%
Details
Regular Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
24 Month IRA Certificate
$1,000
4.23%
▲ 1.60% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.60% above avgNationally 2.88%
Details
IRA Share Certificate; Dividend rate; APY*
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
400 Broadway, Lynn, MA 01904
24-month CD Special
$500
4.20%
▲ 1.57% above Massachusetts avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.57% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 3.92% → 4.20% ▲ 0.28 pts · high 4.20% / low 3.92%
- Oct 11, 20264.20%▲ from 3.92%
- Sep 24, 20263.92%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
24 Month Certificate
$1,000
4.18%
▲ 1.55% above Massachusetts avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.63%▲ 1.55% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.30% → 4.18% ▲ 0.88 pts · high 4.18% / low 3.30%
- Oct 3, 20264.18%▲ from 3.30%
- Sep 19, 20263.30%first recorded
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
109 Main St, Gloucester, MA 01930
1 1/2 Year
$500
4.18%
▲ 1.55% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.55% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.18% APY · checked 6 times
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
24 Months Jumbo CD
$0
4.15%
▲ 1.52% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.63%▲ 1.52% above avgNationally 2.88%
Details
Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month Traditional/Roth IRA CD
$500
4.13%
▲ 1.50% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.50% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
- Sep 29, 20264.13%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 24-Month
$500
4.13%
▲ 1.50% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.50% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
- Sep 29, 20264.13%▲ from 3.80%
- Sep 14, 20263.80%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 24 Month
$500
4.13%
▲ 1.50% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.50% above avgNationally 2.88%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.13% ▲ 0.63 pts · high 4.13% / low 3.50%
- Oct 5, 20264.13%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10 Holden St, Malden, MA 02148
24 Month Certificate
$500
4.07%
▲ 1.44% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
Savers Co-operative Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.40%
270 Main St, Southbridge, MA 01550
24 Month Certificate
$500
4.05%
▲ 1.42% above Massachusetts avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.42% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 1.28% → 4.05% ▲ 2.77 pts · high 4.05% / low 1.28%
- Oct 11, 20264.05%▲ from 1.28%
- Sep 19, 20261.28%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
24 month Certificate
$0
4.05%
▲ 1.42% above Massachusetts avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.42% above avgNationally 2.88%
Details
Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 5, 20264.05%▲ from 3.75%
- Sep 14, 20263.75%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
24 Months Term Share Certificate (CD & IRA)
$500
4.05%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.63%▲ 1.42% above avgNationally 2.88%
Details
Regular CD - min $500. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.05% APY · checked 3 times
BankGloucester
Institution Rating:
C-3.7 ★Texas Ratio: 30.61%
160 Main St, Gloucester, MA 01930
24 Month Certificate
$500
4.00%
▲ 1.37% above Massachusetts avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 28, 2026
Massachusetts Average2.63%▲ 1.37% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99; Compounding Frequency: Monthly
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month Business Non-Profit Certificate of Deposit
$0
3.90%
▲ 1.27% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.63%▲ 1.27% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD - Premier5 Banking
$0
3.90%
▲ 1.27% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.63%▲ 1.27% above avgNationally 2.88%
Details
Open Now
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
330 Whitney Ave, Holyoke, MA 01040
24 Month CD
$0
3.90%
▲ 1.27% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.63%▲ 1.27% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
1 change since Sep 24, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 1, 20263.90%▲ from 3.65%
- Sep 24, 20263.65%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD - PrimaryPlus Banking
$0
3.88%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.63%▲ 1.25% above avgNationally 2.88%
Details
Open Now
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD
$0
3.85%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Open Now
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business 24 Month CD
$0
3.85%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
24-Month CD/IRA
$0
3.85%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Plus Spending APY: 3.88%; Premier Spending APY: 3.90%
Rate History
1 change since Sep 19, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
24 Month Fixed Rate CD
$0
3.85%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 7, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
2 year CD
$2,500
3.85%
▲ 1.22% above Massachusetts avg
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Union St Ste 104, Norfolk, MA 02056 1855
Share Certificate - 24 Month
$0
3.85%
▲ 1.22% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Penalty for early withdrawal: 6 months dividend; Dividend paid at anniversary and then at maturity; Minimum balance $2,500.00
Rate History
No change since Oct 12, 2026 · 3.85% APY
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
24-Month Certificate
$1,000
3.82%
▲ 1.19% above Massachusetts avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.63%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.82% APY · checked 4 times
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
248 Broadway, Methuen, MA 01844
Certificate of Deposit - 24 Month
$1,000
3.81%
▲ 1.18% above Massachusetts avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.63%▲ 1.18% above avgNationally 2.88%
Details
Available as IRA CD; Penalties may be imposed for early withdrawals
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Sep 24, 20263.81%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Main St, Millbury, MA 01527
Platinum CD Specials - 2 Year CD
$0
3.80%
▲ 1.17% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.63%▲ 1.17% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
24 Month Certificate of Deposit
$500
3.75%
▲ 1.12% above Massachusetts avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Open Online (Opens in a new Window)
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
24 Month IRA Certificate of Deposit
$500
3.75%
▲ 1.12% above Massachusetts avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
2 Year Certificate
$0
3.75%
▲ 1.12% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
2 Year IRA Certificate
$0
3.75%
▲ 1.12% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 4 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
63 State St, Newburyport, MA 01950
24 Month Certificate
$500
3.75%
▲ 1.12% above Massachusetts avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Massachusetts 36 Month CD Rates
MonitorBankRates Massachusetts Average · 36 Month CD2.46% APY▼ 0.03% from last weekNational 2.81%
The average 36-month CD rate in Massachusetts is 2.46% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
3 Year Share Certificate
$0
4.75%
▲ 2.29% above Massachusetts avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 2.29% above avgNationally 2.81%
Details
Compounding: Monthly; Personal accounts only
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 2 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
36 Month Certificate of Deposit
$1,000
4.50%
▲ 2.04% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 2.04% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
3 years High-Yield CD
$500
4.40%
▲ 1.94% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.46%▲ 1.94% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
3 Year Certificate
$1,000
4.35%
▲ 1.89% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.46%▲ 1.89% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
36 Month Term Share Certificates
$500
4.35%
▲ 1.89% above Massachusetts avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.89% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
- Sep 21, 20264.35%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month Traditional/Roth IRA CD
$50,000
4.33%
▲ 1.87% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Sep 29, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 36-Month
$50,000
4.33%
▲ 1.87% above Massachusetts avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.87% above avgNationally 2.81%
Details
Min balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Sep 29, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
36 Month IRA TDC
$0
4.30%
▲ 1.84% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
36 Month TDC
$0
4.30%
▲ 1.84% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Business 36 Month TDC
$0
4.30%
▲ 1.84% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
Traditional 36 Month IRA TDC
$0
4.30%
▲ 1.84% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.84% above avgNationally 2.81%
Details
Traditional/Roth IRA Term Deposit Certificates (TDC)
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
36 Month Certificate
$1,000
4.28%
▲ 1.82% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.46%▲ 1.82% above avgNationally 2.81%
Details
Rate History
1 change since Sep 19, 2026 · 3.30% → 4.28% ▲ 0.98 pts · high 4.28% / low 3.30%
- Oct 3, 20264.28%▲ from 3.30%
- Sep 19, 20263.30%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 36 Month (jumbo)
$50,000
4.28%
▲ 1.82% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.82% above avgNationally 2.81%
Details
Jumbo share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.28% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 36 Month
$1,000
4.25%
▲ 1.79% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.79% above avgNationally 2.81%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month Certificate
$1,000
4.23%
▲ 1.77% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.77% above avgNationally 2.81%
Details
Regular Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month IRA Certificate
$1,000
4.23%
▲ 1.77% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.77% above avgNationally 2.81%
Details
IRA Share Certificate; Dividend rate; APY*
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
36 Months Jumbo CD
$0
4.20%
▲ 1.74% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.46%▲ 1.74% above avgNationally 2.81%
Details
Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.20% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.72% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.72% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
- Sep 29, 20264.18%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 36-Month
$500
4.18%
▲ 1.72% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.72% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
- Sep 29, 20264.18%▲ from 3.56%
- Sep 14, 20263.56%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 36 Month
$500
4.18%
▲ 1.72% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.72% above avgNationally 2.81%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 5, 20264.18%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
36 month Certificate
$0
4.10%
▲ 1.64% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.64% above avgNationally 2.81%
Details
Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 5, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
36 month IRA Certificate
$0
4.10%
▲ 1.64% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.64% above avgNationally 2.81%
Details
IRA Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 5, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
36 Months Term Share Certificate (CD & IRA)
$500
4.10%
▲ 1.64% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.46%▲ 1.64% above avgNationally 2.81%
Details
Regular CD - min $500. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10 Holden St, Malden, MA 02148
36 Month Certificate
$500
4.07%
▲ 1.61% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.61% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
36-Month Certificate
$1,000
3.97%
▲ 1.51% above Massachusetts avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.46%▲ 1.51% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.97% APY · checked 4 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month Business Non-Profit Certificate of Deposit
$0
3.90%
▲ 1.44% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD - Premier5 Banking
$0
3.90%
▲ 1.44% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details
Open Now
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD - PrimaryPlus Banking
$0
3.88%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.46%▲ 1.42% above avgNationally 2.81%
Details
Open Now
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD
$0
3.85%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details
Open Now
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business 36 Month CD
$0
3.85%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
36-Month CD/IRA
$0
3.85%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details
Plus Spending APY: 3.88%; Premier Spending APY: 3.90%
Rate History
1 change since Sep 19, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 7, 20263.85%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
36 Month Fixed Rate CD
$0
3.85%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 7, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
101 Page St, New Bedford, MA 02740
3 Year Share/IRA Certificates
$500
3.82%
▲ 1.36% above Massachusetts avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.36% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 7 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
1 Gillette Park, South Boston, MA 02127 1028
36 Month Regular term and IRA Certificates
$2,500
3.82%
▲ 1.36% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.46%▲ 1.36% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.82% ▲ 0.62 pts · high 3.82% / low 3.20%
- Sep 27, 20263.82%▲ from 3.20%
- Sep 18, 20263.20%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
36 Month Fixed
$0
3.81%
▲ 1.35% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.35% above avgNationally 2.81%
Details
IRA Savings Rates; Rates effective as of October 5, 2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.81% ▲ 0.36 pts · high 3.81% / low 3.45%
- Oct 5, 20263.81%▲ from 3.45%
- Sep 14, 20263.45%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
Term Deposit - 36 Month
$0
3.81%
▲ 1.35% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.35% above avgNationally 2.81%
Details
Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.81% APY
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Main St, Millbury, MA 01527
Platinum CD Specials - 3 Year CD
$0
3.80%
▲ 1.34% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.34% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
3 Year Certificate
$0
3.75%
▲ 1.29% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
3 Year IRA Certificate
$0
3.75%
▲ 1.29% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 4 times
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
419 Broadway, Everett, MA 02149
36-Month Special Certificate
$0
3.75%
▲ 1.29% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.29% above avgNationally 2.81%
Details
Open Online
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
3 year CD
$2,500
3.75%
▲ 1.29% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.46%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 36 Month
$500
3.75%
▲ 1.29% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.29% above avgNationally 2.81%
Details
Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 36 Month
$200
3.75%
▲ 1.29% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
3 Year Certificate
$0
3.70%
▲ 1.24% above Massachusetts avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 3 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 3 Years
$0
3.70%
▲ 1.24% above Massachusetts avg
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 9 times
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
36 Month Certificates of Deposit
$250
3.65%
▲ 1.19% above Massachusetts avg
▼
Rate3.59%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.19% above avgNationally 2.81%
Details
SPECIAL OFFER
Rate History
No change since Oct 13, 2026 · 3.65% APY
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
Business Certificates of Deposit - 36 Months
$250
3.65%
▲ 1.19% above Massachusetts avg
▼
Rate3.59%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.19% above avgNationally 2.81%
Details
SPECIAL OFFER
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
Certificate of Deposit - 36 Months
$250
3.65%
▲ 1.19% above Massachusetts avg
▼
Rate3.59%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.46%▲ 1.19% above avgNationally 2.81%
Details
Special Offer; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
CENTRAL ONE
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
714 Main St, Shrewsbury, MA 01545
36 Month Premium Certificates/Premium IRA Certificates
$0
3.60%
▲ 1.14% above Massachusetts avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.46%▲ 1.14% above avgNationally 2.81%
Details
Rate History
1 change since Sep 27, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 6, 20263.60%▲ from 3.45%
- Sep 27, 20263.45%first recorded
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Main St, Millbury, MA 01527
3 Year CD
$0
3.55%
▲ 1.09% above Massachusetts avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.46%▲ 1.09% above avgNationally 2.81%
Details
Balance: $500
Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 8 times
Massachusetts 48 Month CD Rates
MonitorBankRates Massachusetts Average · 48 Month CD2.31% APY▼ 0.04% from last weekNational 2.80%
The average 48-month CD rate in Massachusetts is 2.31% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
48 Month Certificate of Deposit
$1,000
4.50%
▲ 2.19% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.19% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
48 Month Term Share Certificates
$500
4.45%
▲ 2.14% above Massachusetts avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.14% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 0.75% → 4.45% ▲ 3.70 pts · high 4.45% / low 0.75%
- Sep 21, 20264.45%▲ from 0.75%
- Sep 18, 20260.75%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
4 years High-Yield CD
$500
4.40%
▲ 2.09% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.31%▲ 2.09% above avgNationally 2.80%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month Traditional/Roth IRA CD
$50,000
4.39%
▲ 2.08% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
- Sep 29, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 48-Month
$50,000
4.39%
▲ 2.08% above Massachusetts avg
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 2.08% above avgNationally 2.80%
Details
Min balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
- Sep 29, 20264.39%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
4 Year Certificate
$1,000
4.35%
▲ 2.04% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 2.04% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
48 Month Certificate
$1,000
4.28%
▲ 1.97% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 1.97% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 3.04% → 4.28% ▲ 1.24 pts · high 4.28% / low 3.04%
- Oct 3, 20264.28%▲ from 3.04%
- Sep 19, 20263.04%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 48 Month (jumbo)
$50,000
4.28%
▲ 1.97% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.97% above avgNationally 2.80%
Details
Jumbo share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.28% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 48 Month
$1,000
4.25%
▲ 1.94% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 1.94% above avgNationally 2.80%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
48 Months Jumbo CD
$0
4.25%
▲ 1.94% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.31%▲ 1.94% above avgNationally 2.80%
Details
Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.25% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48-Month Traditional/Roth IRA CD
$500
4.23%
▲ 1.92% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
- Sep 29, 20264.23%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 48-Month
$500
4.23%
▲ 1.92% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
- Sep 29, 20264.23%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$1,000
4.23%
▲ 1.92% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details
Regular Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month IRA Certificate
$1,000
4.23%
▲ 1.92% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.92% above avgNationally 2.80%
Details
IRA Share Certificate; Dividend rate; APY*
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 48 Month
$500
4.18%
▲ 1.87% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.87% above avgNationally 2.80%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 5, 20264.18%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
48 month Certificate
$0
4.15%
▲ 1.84% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.84% above avgNationally 2.80%
Details
Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
48 Months Term Share Certificate (CD & IRA)
$500
4.15%
▲ 1.84% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.31%▲ 1.84% above avgNationally 2.80%
Details
Regular CD - min $500. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
48-Month Certificate
$1,000
4.02%
▲ 1.71% above Massachusetts avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.31%▲ 1.71% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 4.02% APY · checked 4 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
1 Gillette Park, South Boston, MA 02127 1028
48 Month Regular term and IRA Certificates
$2,500
3.82%
▲ 1.51% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.31%▲ 1.51% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Sep 27, 20263.82%▲ from 3.30%
- Sep 18, 20263.30%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
48 Month Fixed
$0
3.81%
▲ 1.50% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.50% above avgNationally 2.80%
Details
IRA Savings Rates; Rates effective as of October 5, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50%
- Oct 5, 20263.81%▲ from 3.50%
- Sep 14, 20263.50%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
Term Deposit - 48 Month
$0
3.81%
▲ 1.50% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.50% above avgNationally 2.80%
Details
Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.81% APY
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
4 Year Certificate
$0
3.75%
▲ 1.44% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 3 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 4 Years
$0
3.75%
▲ 1.44% above Massachusetts avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 9 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 48 Month
$500
3.75%
▲ 1.44% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details
Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 48 Month
$200
3.75%
▲ 1.44% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 1.44% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month Business Non-Profit Certificate of Deposit
$0
3.60%
▲ 1.29% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD - Premier5 Banking
$0
3.60%
▲ 1.29% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD - PrimaryPlus Banking
$0
3.58%
▲ 1.27% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 1.27% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD
$0
3.55%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business 48 Month CD
$0
3.55%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
- Oct 7, 20263.55%▲ from 2.80%
- Sep 18, 20262.80%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
48-Month CD/IRA
$0
3.55%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details
Plus Spending APY: 3.58%; Premier Spending APY: 3.60%
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
48 Month Fixed Rate CD
$0
3.55%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 7, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
4 year CD
$2,500
3.55%
▲ 1.24% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
4 Year IRA Certificate
$0
3.50%
▲ 1.19% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 1.19% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
48 Month Relationship CD pricing
$100,000
3.50%
▲ 1.19% above Massachusetts avg
▼
Rate3.39%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.31%▲ 1.19% above avgNationally 2.80%
Details
Balance: $100,000.00
Rate History
No change since Oct 10, 2026 · 3.50% APY
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
48 Month Certificate
$1,000
3.35%
▲ 1.04% above Massachusetts avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 1.04% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
50 Cabot St, Needham, MA 02494
48 Month CD Share Certificate - Jumbo
$250
3.30%
▲ 0.99% above Massachusetts avg
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.99% above avgNationally 2.80%
Details
Jumbo rate for deposits of $100,000 or more; APY assumes Direct Advantage Checking, without it APY is 0.10% lower
Rate History
No change since Oct 12, 2026 · 3.30% APY
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
248 Broadway, Methuen, MA 01844
Certificate of Deposit - 48 Month
$1,000
3.29%
▲ 0.98% above Massachusetts avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.31%▲ 0.98% above avgNationally 2.80%
Details
Available as IRA CD; Penalties may be imposed for early withdrawals
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 8 times
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
48 Month Certificate
$500
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Sep 9, 2026 · 3.25% APY · checked 8 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
48 Month Certificate of Deposit
$500
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1 Merrimack St, Haverhill, MA 01830
48 Month IRA Certificate of Deposit
$500
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
80 Montvale Ave, Stoneham, MA 02180
48 Month Business Certificate of Deposit
$1,000
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
80 Montvale Ave, Stoneham, MA 02180
48 Month Certificate of Deposit
$1,000
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
80 Montvale Ave, Stoneham, MA 02180
48 Month IRA Certificate
$1,000
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 4 Year
$0
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
63 State St, Newburyport, MA 01950
48 Month Certificate
$500
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
63 State St, Newburyport, MA 01950
48 Month IRA Certificate
$500
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
63 State St, Newburyport, MA 01950
Open a 24 Cd - 48 Month
$500
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
50 Cabot St, Needham, MA 02494
48 Month CD Share Certificate
$250
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Dividends compounded daily; APY assumes Direct Advantage Checking, without it APY is 0.10% lower; Dividend rate applies to standard balances
Rate History
No change since Oct 12, 2026 · 3.25% APY
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
30 Pond St, Sharon, MA 02067 2040
48 Month Certificate
$0
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 10, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Massachusetts 60 Month CD Rates
MonitorBankRates Massachusetts Average · 60 Month CD2.44% APYUnchanged from last weekNational 2.90%
The average 60-month CD rate in Massachusetts is 2.44% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
60 Month Certificate of Deposit
$1,000
4.75%
▲ 2.31% above Massachusetts avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 2.31% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.75% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month Traditional/Roth IRA CD
$50,000
4.44%
▲ 2.00% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 2.00% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Sep 29, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 60-Month
$50,000
4.44%
▲ 2.00% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 2.00% above avgNationally 2.90%
Details
Min balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.44% ▲ 0.83 pts · high 4.44% / low 3.61%
- Sep 29, 20264.44%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
125 High St, Boston, MA 02110
5 years High-Yield CD
$500
4.40%
▲ 1.96% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.96% above avgNationally 2.90%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
5 Year Certificate
$1,000
4.35%
▲ 1.91% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 1.91% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
60 Months Jumbo CD
$0
4.30%
▲ 1.86% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.86% above avgNationally 2.90%
Details
Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.30% APY · checked 3 times
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
60 Month Certificate
$1,000
4.28%
▲ 1.84% above Massachusetts avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 1.84% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 3.04% → 4.28% ▲ 1.24 pts · high 4.28% / low 3.04%
- Oct 3, 20264.28%▲ from 3.04%
- Sep 19, 20263.04%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60-Month Traditional/Roth IRA CD
$500
4.28%
▲ 1.84% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.84% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Sep 29, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
Certificates of Deposit (CD) - 60-Month
$500
4.28%
▲ 1.84% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.84% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Sep 29, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 60 Month (jumbo)
$50,000
4.28%
▲ 1.84% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.84% above avgNationally 2.90%
Details
Jumbo share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.28% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
60 Month IRA Certificates
$500
4.25%
▲ 1.81% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.81% above avgNationally 2.90%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 60 Month
$1,000
4.25%
▲ 1.81% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.81% above avgNationally 2.90%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month Certificate
$1,000
4.23%
▲ 1.79% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.79% above avgNationally 2.90%
Details
Regular Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
60 Month IRA Certificate
$1,000
4.23%
▲ 1.79% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.79% above avgNationally 2.90%
Details
IRA Share Certificate; Dividend rate; APY*
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 25, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
60 month Certificate
$0
4.20%
▲ 1.76% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.76% above avgNationally 2.90%
Details
Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
40 Pine St, Stoneham, MA 02180 2048
60 month IRA Certificate
$0
4.20%
▲ 1.76% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.76% above avgNationally 2.90%
Details
IRA Term Share Certificate
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
60 Months Term Share Certificate (CD & IRA)
$500
4.20%
▲ 1.76% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.76% above avgNationally 2.90%
Details
Regular CD - min $500. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.20% APY · checked 3 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Share Certificates - 60 Month
$500
4.18%
▲ 1.74% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.74% above avgNationally 2.90%
Details
$500 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply before maturity
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.18% ▲ 0.68 pts · high 4.18% / low 3.50%
- Oct 5, 20264.18%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
642 Chelmsford St, Lowell, MA 01851
60-Month Certificate
$1,000
4.07%
▲ 1.63% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.63% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 4 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
1 Gillette Park, South Boston, MA 02127 1028
60 Month Regular term and IRA Certificates
$2,500
3.82%
▲ 1.38% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.38% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Sep 27, 20263.82%▲ from 3.30%
- Sep 18, 20263.30%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
60 Month Fixed
$0
3.81%
▲ 1.37% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.37% above avgNationally 2.90%
Details
IRA Savings Rates; Rates effective as of October 5, 2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Oct 9, 20263.81%▲ from 3.55%
- Sep 14, 20263.55%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
200 Westgate Center Dr, Hadley, MA 01035
Term Deposit - 60 Month
$0
3.81%
▲ 1.37% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.37% above avgNationally 2.90%
Details
Term Deposit Savings; Minimum Balance: $500; Dividends compound monthly; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.81% APY
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
5 Year Certificate
$0
3.75%
▲ 1.31% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.44%▲ 1.31% above avgNationally 2.90%
Details
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 3 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
91 Pleasant St, Marblehead, MA 01945
IRA Certificate 5 Years
$0
3.75%
▲ 1.31% above Massachusetts avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.44%▲ 1.31% above avgNationally 2.90%
Details
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 9 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
Certificates - 60 Month
$500
3.75%
▲ 1.31% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.31% above avgNationally 2.90%
Details
Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
50 Main St, Millbury, MA 01527
I.R.A. Certificates - 60 Month
$200
3.75%
▲ 1.31% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.44%▲ 1.31% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
CENTRAL ONE
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
714 Main St, Shrewsbury, MA 01545
60 Month Premium Certificates/Premium IRA Certificates
$0
3.75%
▲ 1.31% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.31% above avgNationally 2.90%
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month Business Non-Profit Certificate of Deposit
$0
3.60%
▲ 1.16% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 1.16% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD - Premier5 Banking
$0
3.60%
▲ 1.16% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 1.16% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD - PrimaryPlus Banking
$0
3.58%
▲ 1.14% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 1.14% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 2 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD
$0
3.55%
▲ 1.11% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 1.11% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1500 Iyannough Rd, Hyannis, MA 02601
Business 60 Month CD
$0
3.55%
▲ 1.11% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 1.11% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
- Oct 7, 20263.55%▲ from 2.80%
- Sep 18, 20262.80%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
56 Common St, Barre, MA 01005
60-Month CD/IRA
$0
3.55%
▲ 1.11% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.44%▲ 1.11% above avgNationally 2.90%
Details
Plus Spending APY: 3.58%; Premier Spending APY: 3.60%
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 7, 20263.55%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Bluestone Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
756 Orchard St, Raynham, MA 02767
60 Month Fixed Rate CD
$0
3.55%
▲ 1.11% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.44%▲ 1.11% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 7, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
600 Atlantic Ave, Boston, MA 02210
5 year CD
$2,500
3.55%
▲ 1.11% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.11% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
50 Cabot St, Needham, MA 02494
60 Month CD Share Certificate - Jumbo
$250
3.55%
▲ 1.11% above Massachusetts avg
▼
Rate3.49%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.11% above avgNationally 2.90%
Details
Jumbo rate for deposits of $100,000 or more; APY assumes Direct Advantage Checking, without it APY is 0.10% lower
Rate History
No change since Oct 12, 2026 · 3.55% APY
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
5 Year Certificate
$0
3.50%
▲ 1.06% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
320 Needham St, Newton, MA 02464
5 Year IRA Certificate
$0
3.50%
▲ 1.06% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.90%
Details
Rate History
No change since Sep 28, 2026 · 3.50% APY · checked 4 times
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
50 Cabot St, Needham, MA 02494
60 Month CD Share Certificate
$250
3.50%
▲ 1.06% above Massachusetts avg
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.90%
Details
Dividends compounded daily; APY assumes Direct Advantage Checking, without it APY is 0.10% lower; Dividend rate applies to standard balances
Rate History
No change since Oct 12, 2026 · 3.50% APY
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
46 Lizotte Dr, Marlborough, MA 01752 3061
60 Month Relationship CD pricing
$100,000
3.50%
▲ 1.06% above Massachusetts avg
▼
Rate3.39%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.90%
Details
Balance: $100,000.00
Rate History
No change since Oct 10, 2026 · 3.50% APY
CENTRAL ONE
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
714 Main St, Shrewsbury, MA 01545
60 Month Regular Certificates (and IRA Certificates)
$0
3.50%
▲ 1.06% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 1.06% above avgNationally 2.90%
Details
Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 3 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
246 Main St, Milford, MA 01757
60 Month Certificate
$1,000
3.45%
▲ 1.01% above Massachusetts avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 1.01% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1 Harbor St, Boston, MA 02210
5 Year Consumer Certificate of Deposit
$500
3.40%
▲ 0.96% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 0.96% above avgNationally 2.90%
Details
Maximum opening deposit $500,000.00
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month fixed
$25
3.35%
▲ 0.91% above Massachusetts avg
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.44%▲ 0.91% above avgNationally 2.90%
Details
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
180 Merrimack St, Haverhill, MA 01830
IRA 60 month variable
$25
3.35%
▲ 0.91% above Massachusetts avg
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.44%▲ 0.91% above avgNationally 2.90%
Details
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
60 Month Certificate
$500
3.35%
▲ 0.91% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Massachusetts Average2.44%▲ 0.91% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
35 Broadway, Taunton, MA 02780
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 5 Year
$0
3.30%
▲ 0.86% above Massachusetts avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 0.86% above avgNationally 2.90%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
51 Willow St, Lynn, MA 01901
60 Month Certificate
$0
3.30%
▲ 0.86% above Massachusetts avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Massachusetts Average2.44%▲ 0.86% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
282 Providence Hwy, Westwood, MA 02090
5 Year Share Certificates
$500
3.29%
▲ 0.85% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.44%▲ 0.85% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
60 Month Certificate
$500
3.25%
▲ 0.81% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Massachusetts Average2.44%▲ 0.81% above avgNationally 2.90%
Details
Rate History
No change since Sep 9, 2026 · 3.25% APY · checked 8 times
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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.
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
2.792%
▲ 0.071 vs 7 days ago
Massachusetts 12-month CD rates rose 0.071 points over the past 7 days to 2.792% APY.
6-Month CD MA Avg
2.687%
▲ 0.054 vs 7 days ago
Massachusetts 6-month CD rates rose 0.054 points over the past 7 days to 2.687% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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MA CD Rate Forecast, Next 12 Months
Where are Massachusetts CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.792%
6-Month Forecast
2.792%
Range: 2.59%, 2.94%
12-Month Forecast
3.042%
Range: 2.84%, 3.19%
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 | 1.954% | $97.68 | $195.35 | $488.38 | $976.75 |
| 6-Month CD | 2.687% | $134.35 | $268.69 | $671.73 | $1,343.45 |
| 12-Month CD | 2.792% | $139.62 | $279.24 | $698.10 | $1,396.20 |
| 18-Month CD | 2.818% | $140.89 | $281.77 | $704.43 | $1,408.85 |
| 24-Month CD | 2.631% | $131.55 | $263.09 | $657.73 | $1,315.45 |
| 36-Month CD | 2.459% | $122.96 | $245.91 | $614.78 | $1,229.55 |
| 48-Month CD | 2.312% | $115.60 | $231.19 | $577.98 | $1,155.95 |
| 60-Month CD | 2.445% | $122.23 | $244.45 | $611.13 | $1,222.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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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 | 1.954% | $97.68 |
| 2 | 6-Month CD | $5,000 | 2.687% | $134.35 |
| 3 | 12-Month CD | $5,000 | 2.792% | $139.62 |
| 4 | 24-Month CD | $5,000 | 2.631% | $131.55 |
| 5 | 36-Month CD | $5,000 | 2.459% | $122.96 |
| Total ($25,000 invested) | $25,000 | 2.505% blended | $626.16/yr | |
Ladder example uses equal $5,000 rungs and Massachusetts average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,616
CD Rates
Tracked in Massachusetts
Tracked in Massachusetts
73 Banks
70 Credit Unions
About Our Massachusetts CD Rate Database
MonitorBankRates tracks 1,616 CD rates from 73 banks and 70 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Clinton Savings Bank offers a CD at 5.00% APY with a minimum deposit of $100. 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 70 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: 143 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Massachusetts savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare 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
$160/yr
At MA 12-mo avg 2.792% 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 2.792%, saving 10% of the local median salary ($5,723/year) and putting it in a CD would earn an additional $160 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Massachusetts
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Massachusetts
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Massachusetts typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Massachusetts as everywhere in the U.S.
Choosing a CD Term in Massachusetts
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Massachusetts savers easier access to their funds. For example, Marcus Bank is offering its 6 Month High-Yield CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Energy Credit Union is offering its 60 Month Certificate of Deposit at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Massachusetts Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Massachusetts saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Massachusetts
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Massachusetts CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Massachusetts
Most CDs carry a fixed rate that is locked for the entire term, protecting a Massachusetts depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in 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:
- Clinton Savings Bank: 5.00% APY (12-month Get Real Add-On CD)
- Rockland Federal Credit Union: 4.75% APY (3 Year Share Certificate)
- Energy Credit Union: 4.75% APY (60 Month Certificate of Deposit)
- Happen Bank: 4.60% APY (2 Year Consumer Certificate of Deposit)
- Cranberry Federal Credit Union: 4.59% APY (12-Month Traditional/Roth IRA CD)
- Northern Bank & Trust Company: 4.50% APY (Premium 12 months)
- Hanscom Federal Credit Union: 4.50% APY (12 Month IRA Certificates)
- USALLIANCE: 4.50% APY (12 Month Certificate)
- GFA Federal Credit Union: 4.45% APY (48 Month Term Share Certificates)
- Marcus Bank: 4.40% APY (12 months High-Yield CD)
Rates reflect recent verified offers available in Massachusetts. Last Updated: October 13, 2026
Massachusetts CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Massachusetts rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Massachusetts
Massachusetts CD Calculator
At today’s MA top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Massachusetts CD LadderMA CD rates currently range from 1.954% (3-month) to 2.459% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Massachusetts CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.792% 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: October 13, 2026
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