CD Rates Chelmsford, Massachusetts (MA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Chelmsford, Massachusetts CD rates include USALLIANCEUSALLIANCE300 Apollo Dr, Chelmsford, MA 01824 3629B4.5 ★Texas Ratio: 21.07% offering 18 Month Certificate at 4.10% APY, Eastern Bank Boston, MAEastern Bank Boston, MA291 Chelmsford St, Chelmsford, MA 01824A+5.0 ★Texas Ratio: 2.03% offering 6 Month CD at 3.75% APY, Workers Federal Credit UnionWorkers Federal Credit Union6 Turnpike Rd, Chelmsford, MA 01824A5.0 ★Texas Ratio: 9.04% offering 24-Month Certificates of Deposit (CDs) at 3.67% APY, Lowell Five BankLowell Five Bank23 Fletcher St, Chelmsford, MA 01824A+5.0 ★Texas Ratio: 1.76% offering 48 Month CD at 3.05% APY, and Rockland TrustRockland Trust20 Drum Hill Rd, Chelmsford, MA 01824A+5.0 ★Texas Ratio: 1.37% offering 6-Month CD at 2.75% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Chelmsford, Massachusetts, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: April 5, 2026
Compare Best CD Rates in Chelmsford, Massachusetts & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
3 Month Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
41 Drum Hill Rd, Chelmsford, MA 01824
3 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
3 Month Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
3 Month CD/IRA
$500
3.89%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
3 Month CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
1,2
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
*APY: Annual Percentage Yield
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
3 month CD
$500
3.64%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Month Certificate of Deposit
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
3 Month Certificate of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
6 Main St, Natick, MA 01760
3 Month Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
*Annual Percentage Yield
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
3 Month Certificates of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
3 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA 02184 3909
3 Month Certificates of Deposit (CDs)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
3 MONTH Certificates of Deposit (CDs)
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
3 Month Certificates of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
3 Month CD
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
600 Atlantic Ave, Boston, MA 02210
3 month CD
$2,500
1.75%
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
3 Month Certificate
$2,500
0.95%
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
3 Month Certificate
$0
0.76%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 3 Month
$100,000
0.65%
▼
Rate0.64%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
3 Month Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
90 Day Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
7 Main St, Ayer, MA 01432
3 mo. Certificates
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1 Monarch Pl, Springfield, MA 01144
Certificates of Deposit 3 Month
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
Certificates of Deposit (CDs)3 month
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
27 Park St, Attleboro, MA 02703
3 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
6 Month Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
291 Chelmsford St, Chelmsford, MA 01824
6 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Turnpike Rd, Chelmsford, MA 01824
6-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.23%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500-$24,999.99
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
20 Drum Hill Rd, Chelmsford, MA 01824
6-Month CD
$1,000
2.75%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
6 month CD
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
1
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
6-Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
6 Month Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
6 month CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
6 Month Certificate
$2,500
3.95%
▼
Rate3.88%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
6 Month Business Term Deposit Certificates (TDC)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
248 Broadway, Methuen, MA 01844
6 Month Certificate of Deposit (CDs) (Available as IRA CD)
$1,000
3.81%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
103 N Elm St, Westfield, MA 01085 1603
Certificate and IRA Certificates 6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
6 Month Certificate of Deposit Special
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA 01109
IRA Certificate- 6 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
6 Month Certificate
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
6 Month CD
$500
3.63%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
6 Month Certificate IRA
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Beach St, Quincy, MA 02170
Certificate of Deposit 6 Month
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
6 Month Term Deposit Savings
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.75%; APY with 2,500 Co-op Points: 3.81%
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
6 Month Certificates of Deposit
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
27 Park St, Attleboro, MA 02703
6 Month Personal CDs
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
6 Month CD
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
805 W Boylston St, Worcester, MA 01606 3032
6 Month CD
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
LIMITED TIME ONLY
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
57 Newton St, Greenfield, MA 01301 3113
6 Month Term Certificates (CDs) & IRAs
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
6-Month CD/IRA Plus Spending
$0
3.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
6 Month Certificate of Deposit
$0
3.15%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
155 West St, Ware, MA 01082
6 Month CD Special
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum to open
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
30 Boston St Ste 9, Lynn, MA 01904
6 month CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
71 Washington St, Salem, MA 01970
6 Month CD
$0
2.76%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
70 Main St, Medway, MA 02053
6 Month CD
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
6 Month Share Certificate
$500
2.00%
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
600 Atlantic Ave, Boston, MA 02210
6 month CD
$2,500
1.90%
▼
Rate1.90%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.65%
775 Davol St, Fall River, MA 02720 1028
6 Month Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
6 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
6 Month Certificates
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA 02026
6 Month Term CD
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
6 Month Certificate
$2,500
0.66%
▼
Rate0.65%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
Certificates of Deposit (CDs) 6 Month CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
*Minimum $500 deposit to open. Early withdrawal penalties will be imposed.
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
6 Month Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
6 Month Certificates of Deposit
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
6 Month Certificates of Deposit
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
25 Court St, Boston, MA 02108
6 Month Certificates of Deposit (CD'S)
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1 Monarch Pl, Springfield, MA 01144
Certificates of Deposit 6 Month
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
6 month IRA Certificates
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 6 month
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
10 Post Office Sq, Boston, MA 02109
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Turnpike Rd, Chelmsford, MA 01824
12-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500-$24,999.99
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
20 Drum Hill Rd, Chelmsford, MA 01824
Select 12-Month CD
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
41 Drum Hill Rd, Chelmsford, MA 01824
12 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
30 Boston St Ste 9, Lynn, MA 01904
1 year CD
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
12 Month Term Certificate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
12 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
12 Month Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
1 Year Certificate of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits Jumbo 12-Month
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 12 Month
$100,000
3.65%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
12 Month CD/IRA
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
600 Atlantic Ave, Boston, MA 02210
1 year CD
$2,500
3.55%
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
12 month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
12 Month Certificate IRA
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
12 Month Certificate
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
1 Year CD
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
57 Newton St, Greenfield, MA 01301 3113
12 Month Term Certificates (CDs) & IRAs
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
12 Month Term Deposit Savings
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.40%; APY with 2,500 Co-op Points: 3.45%
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
744 Broad St, East Weymouth, MA 02189
12-Month IRA
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
248 Broadway, Methuen, MA 01844
12 Month Certificate of Deposit (CDs) (Available as IRA CD)
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
12-Month CD/IRA Premier Spending
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
12 Month CD PrimaryPlus Banking
$0
2.98%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
1 Year Certificates of Deposit
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
99 Chestnut St, North Attleboro, MA 02760
12 month Certificate Of Deposit
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
12 Month Certificate
$500
2.88%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
1 Year Term Certificates
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
109 Main St, Gloucester, MA 01930
1 Year Certificate of Deposit Account
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
71 Washington St, Salem, MA 01970
12 Month CD
$0
2.76%
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
12 MONTH Certificates of Deposit (CDs)
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
12 Month Share Certificate
$500
2.25%
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA 01104
12 Month Share Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
12 Month Certificate of Deposit
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
12 Month Certificates
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
Certificates of Deposit (CDs) 12 Month CD
$500
1.15%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
*Minimum $500 deposit to open. Early withdrawal penalties will be imposed.
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
12 Month Certificate
$500
1.02%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
1 Year Certificate of Deposit
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
1 Year Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
12-Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
12 month CD
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
12 Month Certificates of Deposit
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
25 Court St, Boston, MA 02108
1 Year Certificates of Deposit (CD'S)
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
12 Month College Saver Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
**
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
330 Swansea Mall Dr, Swansea, MA 02777
6 Months - Less than 1 Year Statement Certificate of Deposit (CD)
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
12 month IRA Certificates
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 12 month
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
12 Month Share Certificate
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
27 Park St, Attleboro, MA 02703
12 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
18 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Turnpike Rd, Chelmsford, MA 01824
18-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500-$24,999.99
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
20 Drum Hill Rd, Chelmsford, MA 01824
Select 18-Month CD
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
41 Drum Hill Rd, Chelmsford, MA 01824
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
IRA 18 Month Variable Rate Certificate
$100
4.59%
▼
Rate4.50%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
18-Month Special Certificate
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 18 Month
$100,000
3.70%
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
18 Month Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
18 Month CD/IRA
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
18 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
18 month CD
$500
3.49%
▼
Rate3.43%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA 01109
IRA Certificates -18 month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 18-Month Special
$5,000
3.35%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
248 Broadway, Methuen, MA 01844
18 Month Certificate of Deposit (CDs) (Available as IRA CD)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
18 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
18 Month Certificate
$500
3.19%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
18 Month IRA Certificates
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
57 Newton St, Greenfield, MA 01301 3113
18 Month Term Certificates (CDs) & IRAs
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
756 Orchard St, Raynham, MA 02767
18 Month Fixed Rate CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
18-Month CD/IRA Premier Spending
$0
2.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
18 Month CD PrimaryPlus Banking
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
18 Month Share Certificate
$500
2.31%
▼
Rate2.29%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
18 Month CD
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
18 Month CD
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
18 Month Certificate of Deposit
$500
1.76%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
18 month CD
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
18 Month Certificates
$500
1.60%
▼
Rate1.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
18 Month Certificate
$500
1.28%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
18 Month CD/IRA
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
18 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA 01535
18 Month Certificate
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
Certificates of Deposit (CDs) 18 Month CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
*Minimum $500 deposit to open. Early withdrawal penalties will be imposed.
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
18 Month Certificates of Deposit
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
25 Court St, Boston, MA 02108
18 Month Certificates of Deposit (CD'S)
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Certificate of Deposit & IRAs 18 month Preferred CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1 Monarch Pl, Springfield, MA 01144
Certificates of Deposit 18 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
18 month IRA Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 18 month
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
27 Park St, Attleboro, MA 02703
18 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
24 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate Special
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Turnpike Rd, Chelmsford, MA 01824
24-Month Certificates of Deposit (CDs)
$500
3.67%
▼
Rate3.61%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500-$24,999.99
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
20 Drum Hill Rd, Chelmsford, MA 01824
2-Year CD
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
41 Drum Hill Rd, Chelmsford, MA 01824
24 Month Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
24-MONTH CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
24-Month CD
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
2 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
2 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
24 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 24 Month
$100,000
3.70%
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 2 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
600 Atlantic Ave, Boston, MA 02210
2 year CD
$2,500
3.55%
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
24 Month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
24 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
333 Milliken Blvd, Fall River, MA 02721
24 Month Share Certificate
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
24 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
24 Month IRA
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bluestone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
756 Orchard St, Raynham, MA 02767
24 Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
2 Year IRA Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
24 Month Term Deposit Savings
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.40%; APY with 2,500 Co-op Points: 3.45%
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 24-Month Special
$1,000
3.14%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
2 Year CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
24 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
99 Chestnut St, North Attleboro, MA 02760
24 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
57 Newton St, Greenfield, MA 01301 3113
24 Month Term Certificates (CDs) & IRAs
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA 01109
IRA Certificates -24 month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
2 Year Certificate
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
24-Month CD/IRA Premier Spending
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
24 Month CD PrimaryPlus Banking
$0
2.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1 Monarch Pl, Springfield, MA 01144
Certificates of Deposit 24 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
24 Month Share Certificate
$500
2.36%
▼
Rate2.34%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
71 Washington St, Salem, MA 01970
24 Month CD
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
24 Month Certificate of Deposit
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
24 Month Certificates
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
24 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
24 month CD
$500
1.31%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
24 Month Certificate
$500
1.28%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
2 Year UniStep CD
$500
1.25%
▼
Rate1.23%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
2-Year CD
$0
1.05%
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
2 Year Certificates of Deposit
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA 01535
24 Month Certificate
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA 02723
Share Certificates and IRA Certificates 2 Year
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
25 Court St, Boston, MA 02108
2 Year Certificates of Deposit (CD'S)
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
2 Year Certificate of Deposit
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
24 Month IRA Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
24 Month Certificate of Deposit
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
24 month IRA Certificates
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 24 month
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
246 Main St, Milford, MA 01757
1-1/2 Year IRA
$25
0.10%
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
36 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate Special
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Turnpike Rd, Chelmsford, MA 01824
36-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500-$24,999.99
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
41 Drum Hill Rd, Chelmsford, MA 01824
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
3 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Share/IRA Certificates 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Millbury National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Main St, Millbury, MA 01527
3 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
36-Month Special Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
248 Broadway, Methuen, MA 01844
36 Month Certificate of Deposit (CDs) (Available as IRA CD)
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 36 Month
$100,000
3.50%
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA 01950
3 Year IRA Certificates
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
36 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
36 Month Certificates of Deposit
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
36 Month Term Deposit Savings
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.30%; APY with 2,500 Co-op Points: 3.35%
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
600 Atlantic Ave, Boston, MA 02210
3 year CD
$2,500
3.05%
▼
Rate3.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
36 Month IRA
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
57 Newton St, Greenfield, MA 01301 3113
36 Month Term Certificates (CDs) & IRAs
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
3 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
36 Month Certificate of Deposit
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1 Monarch Pl, Springfield, MA 01144
Certificates of Deposit 36 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
36-Month CD/IRA Premier Spending
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
36 Month CD PrimaryPlus Banking
$0
2.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
3 Year Certificate of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
36 Month Share Certificate
$500
2.41%
▼
Rate2.39%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
982 Main St, Walpole, MA 02081
3 Year Certificate
$1,000
2.35%
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
36 Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
246 Main St, Milford, MA 01757
36 Month Education CD
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
36 MONTH Certificates of Deposit (CDs)
$500
2.00%
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
36 Month Certificates
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
3 Year Certificate of Deposit
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
36 Month Certificate
$500
1.69%
▼
Rate1.65%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
36 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
49 Church St, Whitinsville, MA 01588
3 Year UniStep CD
$500
1.25%
▼
Rate1.23%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
36 Month CD/IRA
$500
1.15%
▼
Rate1.14%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
36 Month CD
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
36 Month Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA 02723
Share Certificates and IRA Certificates 3 Year
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
3 Year Certificate of Deposit
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
25 Court St, Boston, MA 02108
3 Year Certificates of Deposit (CD'S)
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
36 Month Certificate IRA
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
71 Washington St, Salem, MA 01970
36 Month CD
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
36 month IRA Certificates
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 36 month
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
36 Month Share Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
48 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
23 Fletcher St, Chelmsford, MA 01824
48 Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
4 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 48 Month
$100,000
3.50%
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
48 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
248 Broadway, Methuen, MA 01844
48 Month Certificate of Deposit (CDs) (Available as IRA CD)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA 01830
48 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA 01109
IRA Certificates -48 month
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
48 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
48 Month IRA
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 48-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
4 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
57 Newton St, Greenfield, MA 01301 3113
48 Month Term Certificates (CDs) & IRAs
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
48 Month Term Deposit Savings
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.00%; APY with 2,500 Co-op Points: 3.04%
New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1 Monarch Pl, Springfield, MA 01144
Certificates of Deposit 48 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
4 Year Certificate of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
48 Month Share Certificate
$500
2.44%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
48-Month CD/IRA Premier Spending
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
48 Month CD Premier5 Banking
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
48 Month Certificate
$500
2.05%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
48 MONTH Certificates of Deposit (CDs)
$500
2.00%
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
48 Month Certificates
$500
1.85%
▼
Rate1.84%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
419 Broadway, Everett, MA 02149
48-Month Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
48 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
4 Year Certificates of Deposit
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
4-Year CD
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
48 Month CD/IRA
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
55 Main St, Hingham, MA 02043
4 Year Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA 02723
Share Certificates and IRA Certificates 4 Year
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
4 Year Certificate of Deposit
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
48 Month Certificate IRA
$500
0.65%
▼
Rate0.64%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
48 Month IRA Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
48 month CD
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
330 Swansea Mall Dr, Swansea, MA 02777
3 - Less than 4 Year Statement Certificate of Deposit (CD)
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Beach St, Quincy, MA 02170
Certificate of Deposit 4 Year
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
221 Commercial St, Provincetown, MA 02657
48 Month CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 48 month
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
48 Month Share Certificate
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
300 Apollo Dr, Chelmsford, MA 01824 3629
60 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Turnpike Rd, Chelmsford, MA 01824
60-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500-$24,999.99
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
20 Drum Hill Rd, Chelmsford, MA 01824
5-Year CD
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
41 Drum Hill Rd, Chelmsford, MA 01824
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
5 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 60 Month
$100,000
3.50%
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
5 Year CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
60 Month Jumbo CD Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
60 Month Term Certificate
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA 01109
IRA Certificates -60 month
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
600 Atlantic Ave, Boston, MA 02210
5 year CD
$2,500
3.05%
▼
Rate3.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
400 Main St, Greenfield, MA 01301
60 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
5-Year CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 60-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
2.5 Year CD
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
57 Newton St, Greenfield, MA 01301 3113
60 Month Term Certificates (CDs) & IRAs
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA 01035
60 Month Term Deposit Savings
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Dividend Rate with 2,500 Co-op Points: 3.00%; APY with 2,500 Co-op Points: 3.04%
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
60 Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
60 Month Share Certificate
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
60-Month CD/IRA Premier Spending
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
60 Month CD PrimaryPlus Banking
$0
2.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
71 Washington St, Salem, MA 01970
60 Month Special CD
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
60 Month Certificate
$500
2.05%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
60 Month Certificates
$500
1.90%
▼
Rate1.89%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
Certificate of Deposit & IRAs 60 month
$1,000
1.75%
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
37 Tremont St, Peabody, MA 01960
5 Year Certificates of Deposit
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
60 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
5-Year CD
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
60 Month CD/IRA
$500
1.30%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA 01020 1255
5 Year Certificate
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
63 Federal St, Greenfield, MA 01301
60 Month Certificate of Deposit
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
60 Month Certificate
$500
0.75%
▼
Rate0.74%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
330 Swansea Mall Dr, Swansea, MA 02777
4 - 5 Year Statement Certificate of Deposit (CD)
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
60 Month IRA Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
7 Main St, Ayer, MA 01432
60 mo. Certificates
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
60 month CD
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA 01331 1825
60 Month Certificate IRA
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
330 Whitney Ave, Holyoke, MA 01040
Certificates of Deposit & IRA 60 month
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
146 Main St, Monson, MA 01057
60 month Variable IRA Certificates
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA 01803
60 Month Share Certificate
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Frequently Asked Questions about CD Rates in Chelmsford, Massachusetts
Are CD rates in Chelmsford, Massachusetts FDIC insured?
Yes, most established banks in Chelmsford, 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 Chelmsford, 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 Chelmsford, 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 Chelmsford, 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 Chelmsford, Massachusetts?
Here are recent top rates found for this area:
- USALLIANCE: 4.10% APY (18 Month Certificate)
- Eastern Bank Boston, MA: 3.75% APY (6 Month CD)
- Workers Federal Credit Union: 3.67% APY (24-Month Certificates of Deposit (CDs))
- Lowell Five Bank: 3.05% APY (48 Month CD)
- Rockland Trust: 2.75% APY (6-Month CD)
- TD Bank: 1.00% APY (3 Month Choice CD)
- Middlesex Federal Savings: 4.59% APY (IRA 18 Month Variable Rate Certificate)
- MutualOne Bank: 4.07% APY (6 month CD)
- Institution for Savings: 4.05% APY (24-MONTH CD)
- Leader Bank: 4.05% APY (6-Month CD)
Rates reflect recent verified offers available in Chelmsford, Massachusetts. Last Updated: April 5, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Chelmsford, 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 pulling data straight 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 Chelmsford, 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: April 5, 2026
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