Essex, Massachusetts Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Essex, Massachusetts CD rates range from 0.41% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Essex, Massachusetts CD rates include Beacon Bank and TrustBeacon Bank and Trust8 Martin St, Essex, MA 01929A+5.0 ★Texas Ratio: 5.36%Real return: +0.50%APY minus CPI (February 2026) offering 24-Month Certificate of Deposit (CD) at 3.30% APY, Clinton Savings BankClinton Savings BankA-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 UnionA+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 UnionA+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, and Happen BankHappen BankA+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. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Essex has 4 local institutions in our database, with CD rates as high as 3.30% APY from Beacon Bank and Trust at 8 Martin St, Essex, MA 01929. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated, 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 14, 2026
Compare Best CD Rates in Essex, Massachusetts & the Surrounding Area
Essex 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
3 Month CD
$1,000
4.25%
▲ 2.30% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 2.30% above avgNationally 2.09%
Details
High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
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%
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%
Certificate of Deposit - 3 Months
$1,000
3.85%
▲ 1.90% above Massachusetts avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.90% above avgNationally 2.09%
Details
Monthly Service Charge:
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%
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%
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 14, 2026
Massachusetts Average1.95%▲ 1.85% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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 14, 2026
Massachusetts Average1.95%▲ 1.85% above avgNationally 2.09%
Details
Minimum to Obtain APY: N/A
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 7 times
Methuen Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
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%
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
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 3 Month Premium
$50,000
3.65%
▲ 1.70% above Massachusetts avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.70% above avgNationally 2.09%
Details
Premium
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 3 times
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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%
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
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 3 Month
$500
3.55%
▲ 1.60% above Massachusetts avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.60% above avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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 14, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
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%
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
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 3 Month
$500
3.50%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Relationship rate; requires Relationship Checking requirements to be maintained
Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
- Oct 14, 20263.50%▲ from 0.65%
- Sep 14, 20260.65%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
3.50%
▲ 1.55% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65%
- Oct 14, 20263.50%▲ from 0.65%
- Sep 14, 20260.65%first recorded
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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%
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%
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
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 3 Month
$500
3.35%
▲ 1.40% above Massachusetts avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details
Minimum daily balance to earn APY: $500.00
Rate History
1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50%
- Oct 14, 20263.35%▲ from 0.50%
- Sep 14, 20260.50%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month
$100,000
3.35%
▲ 1.40% above Massachusetts avg
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.40% above avgNationally 2.09%
Details
Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50%
- Oct 14, 20263.35%▲ from 0.50%
- Sep 14, 20260.50%first recorded
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Business Share Certificate
$0
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Minimum Daily Balance to obtain APY: $500.00
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Share & IRA Certificates
$0
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
3 Month Share Certificate
$500
3.25%
▲ 1.30% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
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%
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%
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%
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%
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 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposits - 3 Months
$1,000
3.25%
▲ 1.30% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month CD
$500
3.20%
▲ 1.25% above Massachusetts avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.25% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
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%
3 Months High Yield Certificate
$500
3.10%
▲ 1.15% above Massachusetts avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.15% above avgNationally 2.09%
Details
New Money Only: No; May be used for Traditional and Roth accounts: No; Open account
Rate History
No change since Oct 14, 2026 · 3.10% APY
Cambridge Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Certificates Of Deposit - 3 Months
$0
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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%
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%
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%
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%
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%
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%
Certificates of Deposit (CDs) - 3 Month
$500
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Month Certificate
$0
3.00%
▲ 1.05% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Certificates; Effective Date: July 9, 2026
Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 2 times
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Certificates - 3 Months
$0
3.00%
▲ 1.05% above Massachusetts avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Fixed rate for the term; penalty may apply for early withdrawal; minimum balance required to open and earn the stated APY
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
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%
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%
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%
Certificates - 3 Months
$500
2.75%
▲ 0.80% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
IRA Certificate - 3 Months
$500
2.75%
▲ 0.80% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average1.95%▲ 0.80% above avgNationally 2.09%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 5 times
Canton Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3 Month CD
$0
2.50%
▲ 0.55% above Massachusetts avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average1.95%▲ 0.55% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
Essex 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
8 Martin St, Essex, MA 01929
6-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.61% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 0.61% above avgNationally 2.77%
Details
No ATM access; no check writing
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
8 Martin St, Essex, MA 01929
Beacon One 6 Month CD
$1,000
3.30%
▲ 0.61% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 0.61% above avgNationally 2.77%
Details
Must be an OWNER on a Beacon Bank checking account; Balance cannot exceed $1,000,000; No additional deposits before maturity; Early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
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 2.77%
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%
6 Month CD
$1,000
4.25%
▲ 1.56% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.56% above avgNationally 2.77%
Details
High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6-Month CD
$0
4.20%
▲ 1.51% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.77%
Details
Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online
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
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 6 Months
$1,000
4.20%
▲ 1.51% above Massachusetts avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.77%
Details
Monthly Service Charge:
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%
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 2.77%
Details
Rate History
No change since Oct 13, 2026 · 4.20% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month CD
$0
4.20%
▲ 1.51% above Massachusetts avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.51% above avgNationally 2.77%
Details
Early Withdrawal Penalty: 3 months' interest; Interest Rate/APY: 4.11% / 4.20%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
6 Month CD
$500
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
6 Month Business Share Certificate
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details
Minimum Daily Balance to obtain APY: $250.00
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%
6 Month Share & IRA Certificates
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
6 Month Share Certificate
$250
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Month Homeowner CD
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
Details
Homeowner CD; additional annualized bonus equal to interest earned in first six months if you also close a home mortgage loan with Leader Bank within that six-month term; effective annualized return 8.00% (not a separate rate)
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 9, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Certificate 6 Month
$0
4.00%
▲ 1.31% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.69%▲ 1.31% above avgNationally 2.77%
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
2 changes since Sep 18, 2026 · 4.35% → 3.95% ▼ 0.40 pts · high 4.40% / low 3.95%
- Oct 14, 20263.95%▼ from 4.40%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 months High-Yield CD
$500
3.95%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
Details
Early Withdrawal Penalty: Yes
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 14, 2026
Massachusetts Average2.69%▲ 1.26% above avgNationally 2.77%
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%
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 14, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
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 14, 2026
Massachusetts Average2.69%▲ 1.21% above avgNationally 2.77%
Details
Minimum to Obtain APY: N/A
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 7 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
6 Month Standard Share Certificate
$1,000
3.85%
▲ 1.16% above Massachusetts avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.16% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Standard CD - 6 months
$1,000
3.85%
▲ 1.16% above Massachusetts avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.69%▲ 1.16% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 2.77%
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%
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 14, 2026
Massachusetts Average2.69%▲ 1.06% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Essex 12 Month CD Rates
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%
12-month Get Real Add-On CD
$100
5.00%
▲ 2.20% above Massachusetts avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 2.20% 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%
12-Month Traditional/Roth IRA CD
$100,000
4.59%
▲ 1.79% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.79% 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%
Certificates of Deposit (CD) - 12-Month
$100,000
4.59%
▲ 1.79% above Massachusetts avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.79% 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%
Premium Certificate of Deposit - 12 months
$500
4.50%
▲ 1.70% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.70% above avgNationally 2.99%
Details
In-Branch Only; Must Open In-Branch
Rate History
No change since Oct 14, 2026 · 4.50% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificates
$500
4.50%
▲ 1.70% above Massachusetts avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.70% 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%
Share Certificate - 12 Month
$1,000
4.50%
▲ 1.70% above Massachusetts avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.70% 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%
12 Month Certificate
$0
4.50%
▲ 1.70% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.70% above avgNationally 2.99%
Details
Special Rate; featured rate from homepage; View all rate specials
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%
12-Month Traditional/Roth IRA CD
$500
4.44%
▲ 1.64% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.64% 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%
Certificates of Deposit (CD) - 12-Month
$500
4.44%
▲ 1.64% above Massachusetts avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.64% 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%
12 Month High-Yield CD
$500
4.40%
▲ 1.60% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.60% above avgNationally 2.99%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
4.40%
▲ 1.60% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.60% 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%
12-Month CD
$1,000
4.25%
▲ 1.45% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details
Maximum deposit $250,000; Open now
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 14, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 12 Months
$1,000
4.25%
▲ 1.45% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.45% above avgNationally 2.99%
Details
Monthly Service Charge:
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%
12 Month Share Certificate
$1,000
4.25%
▲ 1.45% above Massachusetts avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.45% 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%
IRA Certificates - Tier 1 - 12 Month
$1,000
4.25%
▲ 1.45% above Massachusetts avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.45% 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%
IRA Certificates - Tier 2 - 12 Month
$25,000
4.25%
▲ 1.45% above Massachusetts avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.45% 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%
12 Month Certificate of Deposit
$1,000
4.25%
▲ 1.45% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.45% 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%
1 Year Certificate
$1,000
4.20%
▲ 1.40% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.40% 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%
Business 1 Year Certificate
$1,000
4.20%
▲ 1.40% above Massachusetts avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.40% 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%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 1 Year
$0
4.19%
▲ 1.39% above Massachusetts avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.39% 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%
12-Month CD
$500
4.15%
▲ 1.35% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% 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%
12 Month IRA TDC
$0
4.15%
▲ 1.35% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% 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%
12 Month TDC
$0
4.15%
▲ 1.35% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% 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%
Business 12 Month TDC
$0
4.15%
▲ 1.35% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% 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%
Traditional 12 Month IRA TDC
$0
4.15%
▲ 1.35% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.80%▲ 1.35% 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%
1 Year Share Certificate
$0
4.15%
▲ 1.35% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.35% 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%
12 Month Term Share Certificates
$500
4.15%
▲ 1.35% above Massachusetts avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.35% 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%
12 Month Business Share Certificate
$0
4.10%
▲ 1.30% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details
Minimum Daily Balance to obtain APY: $500.00
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
12 Month Share & IRA Certificates
$0
4.10%
▲ 1.30% above Massachusetts avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
12 Month Share Certificate
$500
4.10%
▲ 1.30% above Massachusetts avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
4.10%
▲ 1.30% above Massachusetts avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.30% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 3 months' interest; Interest Rate/APY: 4.02% / 4.10%
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%
CD 12 Months
$1,000
4.08%
▲ 1.28% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.28% above avgNationally 2.99%
Details
Minimum Deposit of $1,000; Early Withdraw Fee does apply
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12 Month Certificate
$1,000
4.07%
▲ 1.27% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.27% 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%
12 Month IRA Certificate
$1,000
4.07%
▲ 1.27% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.27% 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%
12 Months Certificate of Deposit
$0
4.07%
▲ 1.27% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.27% 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%
IRA Certificates - 12 Months - Traditional & Roth IRA's
$0
4.07%
▲ 1.27% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.27% 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%
Share Certificates - 12 Month
$500
4.07%
▲ 1.27% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.27% 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%
1 Year CD
$500
4.05%
▲ 1.25% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.25% 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%
1 Year IRA CD
$500
4.05%
▲ 1.25% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.25% 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%
Business Certificates of Deposit - 1 Year CD
$500
4.05%
▲ 1.25% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.25% 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%
Business SEP (Simplified Employee Pension) IRA Certificates - 1 Year IRA CD
$500
4.05%
▲ 1.25% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.25% 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%
Business SEP 1 Year IRA CD
$500
4.05%
▲ 1.25% above Massachusetts avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.80%▲ 1.25% 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%
1 Year CD
$1,000
4.05%
▲ 1.25% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.25% above avgNationally 2.99%
Details
High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26
Rate History
No change since Oct 6, 2026 · 4.05% APY · checked 3 times
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12-month CD
$10,000
4.00%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details
Special CD; minimum balance of $10,000 required to open and obtain APY; maximum deposit $500,000; personal accounts only; penalty for premature withdrawal; Open online
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
12 Month CD
$500
4.00%
▲ 1.20% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1-Year CD
$1,000
4.00%
▲ 1.20% above Massachusetts avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details
Compounded: Daily
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
12 Month CD - Premier5 Banking
$1,000
4.00%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details
Open Now; Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 12 Month CD
$1,000
4.00%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 12 Month - Premier5 Banking
$1,000
4.00%
▲ 1.20% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1 year CD
$0
4.00%
▲ 1.20% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.80%▲ 1.20% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Essex 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD
$500
4.49%
▲ 1.66% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.66% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Sep 29, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 18-Month
$500
4.49%
▲ 1.66% above Massachusetts avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.66% above avgNationally 2.88%
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%
18 Month High-Yield CD
$500
4.40%
▲ 1.57% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.57% above avgNationally 2.88%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40%
▲ 1.57% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.57% 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
Salem Five Direct
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18-Month CD
$10,000
4.36%
▲ 1.53% above Massachusetts avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.53% above avgNationally 2.88%
Details
Special CD; minimum balance of $10,000 required to open and obtain APY; maximum deposit $500,000; personal accounts only; penalty for premature withdrawal; Open online
Rate History
No change since Oct 7, 2026 · 4.36% APY · checked 3 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
18-Month CD
$0
4.35%
▲ 1.52% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.52% above avgNationally 2.88%
Details
Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online
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
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 18 Months
$1,000
4.35%
▲ 1.52% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.52% above avgNationally 2.88%
Details
Monthly Service Charge:
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%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 18 Month
$0
4.34%
▲ 1.51% above Massachusetts avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.51% above avgNationally 2.88%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 4.34% APY · checked 2 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
18 Month CD/IRA CD
$2,500
4.30%
▲ 1.47% above Massachusetts avg
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.47% above avgNationally 2.88%
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%
18 Month Certificate
$1,000
4.25%
▲ 1.42% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
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%
18 Month IRA Certificates
$500
4.25%
▲ 1.42% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
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%
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.42% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
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%
18 Month Share Certificate
$0
4.25%
▲ 1.42% above Massachusetts avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
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%
18 Month Certificate of Deposit
$1,000
4.25%
▲ 1.42% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.42% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Relationship 18 Month CD
$500
4.23%
▲ 1.40% above Massachusetts avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.40% above avgNationally 2.88%
Details
Primary or Joint Owner on Relationship Rewards Checking
Rate History
No change since Oct 3, 2026 · 4.23% APY · checked 3 times
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 18 Month
$500
4.20%
▲ 1.37% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.37% above avgNationally 2.88%
Details
Relationship rate; requires Relationship Checking requirements to be maintained
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
- Oct 14, 20264.20%▲ from 3.45%
- Sep 14, 20263.45%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
4.20%
▲ 1.37% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.37% above avgNationally 2.88%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 14, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Select 18-Month CD
$1,000
4.15%
▲ 1.32% above Massachusetts avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
Details
Compounded: Daily
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Month IRA TDC
$0
4.15%
▲ 1.32% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
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%
18 Month TDC
$0
4.15%
▲ 1.32% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
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%
Business 18 Month TDC
$0
4.15%
▲ 1.32% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
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%
Traditional 18 Month IRA TDC
$0
4.15%
▲ 1.32% above Massachusetts avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.83%▲ 1.32% above avgNationally 2.88%
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%
18 Month Certificate
$1,000
4.13%
▲ 1.30% above Massachusetts avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.30% above avgNationally 2.88%
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%
18 Month IRA Certificate
$1,000
4.13%
▲ 1.30% above Massachusetts avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.30% above avgNationally 2.88%
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%
1.5 Year CD
$500
4.10%
▲ 1.27% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
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%
1.5 Year IRA CD
$500
4.10%
▲ 1.27% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
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%
Business Certificates of Deposit - 1.5 Year CD
$500
4.10%
▲ 1.27% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.10% APY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Business SEP 1.5 Year IRA CD
$500
4.10%
▲ 1.27% above Massachusetts avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.27% above avgNationally 2.88%
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%
18 Month CD Special
$0
4.07%
▲ 1.24% above Massachusetts avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.24% above avgNationally 2.88%
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%
Share Certificates - 18 Month
$500
4.07%
▲ 1.24% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.24% 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 · 3.85% → 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%
18 Month CD
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details
Location: 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; minimum deposit of $500; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18 Month
$0
4.00%
▲ 1.17% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details
Balance: $500+; Limited time offer; open with as little as $500; for existing or new Private Checking account holders; Open Account: Apply Now
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%
Private 18-Month CD
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details
For existing or new Private Checking account holders; Open with as little as $500; Promotional APY; Minimum balance to earn stated APY is $500
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
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
18 Month Certificate
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
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%
18 month Certificate
$0
4.00%
▲ 1.17% above Massachusetts avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
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%
Certificates - 18 Month
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
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%
I.R.A. Certificates - 18 Month
$200
4.00%
▲ 1.17% above Massachusetts avg
▼
Rate3.93%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
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%
18 Months Term Share Certificate (CD & IRA)
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
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%
18 Month IRA Certificates
$1,000
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
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
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposits - 18 Months
$1,000
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
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
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
Certificates - 18 Months
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
IRA Certificate - 18 Months
$500
4.00%
▲ 1.17% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 5 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
4.00%
▲ 1.17% above Massachusetts avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.17% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 months' interest; Interest Rate/APY: 3.92% / 4.00%
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
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 18 Month
$500
3.95%
▲ 1.12% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.12% above avgNationally 2.88%
Details
Minimum daily balance to earn APY: $500.00
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.95% ▲ 0.75 pts · high 3.95% / low 3.20%
- Oct 14, 20263.95%▲ from 3.20%
- Sep 14, 20263.20%first recorded
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month
$100,000
3.95%
▲ 1.12% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.12% above avgNationally 2.88%
Details
Min Daily Balance to earn APY: $100,000.00
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
- Oct 14, 20263.95%▲ from 3.45%
- Sep 14, 20263.45%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 1.02% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.02% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Minimum deposit of $1,000 to open a CD
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$1,000
3.85%
▲ 1.02% above Massachusetts avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.02% above avgNationally 2.88%
Details
Requires a qualifying M&T Bank checking account (MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking or Advantage Checking) to open; maximum deposit $1,000,000 per account ($750,000 if opened online); early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
18 Month CD - Premier5 Banking
$1,000
3.85%
▲ 1.02% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.02% above avgNationally 2.88%
Details
Open Now; Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 18 Month CD
$1,000
3.85%
▲ 1.02% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.83%▲ 1.02% above avgNationally 2.88%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
Essex 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
8 Martin St, Essex, MA 01929
24-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.66% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 0.66% above avgNationally 2.88%
Details
No ATM access; no check writing
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
8 Martin St, Essex, MA 01929
Beacon One 24 Month CD
$1,000
3.30%
▲ 0.66% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 0.66% above avgNationally 2.88%
Details
Must be an OWNER on a Beacon Bank checking account; Balance cannot exceed $1,000,000; No additional deposits before maturity; Early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year Consumer Certificate of Deposit
$500
4.60%
▲ 1.96% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.96% 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%
2 Year Share Certificate
$0
4.50%
▲ 1.86% above Massachusetts avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.86% 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%
2 Year High-Yield CD
$500
4.40%
▲ 1.76% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.76% above avgNationally 2.88%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40%
▲ 1.76% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.76% 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%
24-Month CD
$1,000
4.35%
▲ 1.71% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.71% above avgNationally 2.88%
Details
Maximum deposit $250,000; Open now
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 14, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 24 Months
$1,000
4.35%
▲ 1.71% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.71% above avgNationally 2.88%
Details
Monthly Service Charge:
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%
24 Month IRA TDC
$0
4.30%
▲ 1.66% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% 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%
24 Month TDC
$0
4.30%
▲ 1.66% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% 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%
Business 24 Month TDC
$0
4.30%
▲ 1.66% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% 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%
Traditional 24 Month IRA TDC
$0
4.30%
▲ 1.66% above Massachusetts avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.66% 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%
24-Month Traditional/Roth IRA CD
$50,000
4.28%
▲ 1.64% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.64% 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%
Certificates of Deposit (CD) - 24-Month
$50,000
4.28%
▲ 1.64% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.64% 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%
Share Certificate - 24 Month
$1,000
4.25%
▲ 1.61% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.61% 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%
24 Month Term Share Certificates
$500
4.25%
▲ 1.61% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% 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%
24 Month Certificate of Deposit
$1,000
4.25%
▲ 1.61% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% 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%
24 Month Certificates of Deposit
$250
4.25%
▲ 1.61% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% 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%
Business Certificates of Deposit - 24 Months
$250
4.25%
▲ 1.61% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% 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%
Certificate of Deposit - 24 Months
$250
4.25%
▲ 1.61% above Massachusetts avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.61% 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%
Certificates - 24 Months
$500
4.25%
▲ 1.61% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
IRA Certificate - 24 Months
$500
4.25%
▲ 1.61% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.61% above avgNationally 2.88%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 5 times
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Share Certificate - 24 Month (jumbo)
$50,000
4.23%
▲ 1.59% above Massachusetts avg
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.59% 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%
24 Month Certificate
$1,000
4.23%
▲ 1.59% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.59% 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%
24 Month IRA Certificate
$1,000
4.23%
▲ 1.59% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.59% 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%
24-month CD Special
$500
4.20%
▲ 1.56% above Massachusetts avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.56% 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
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1 1/2 Year
$500
4.18%
▲ 1.54% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.54% 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%
24 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.15%
▲ 1.51% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.51% above avgNationally 2.88%
Details
Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.15% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$500
4.13%
▲ 1.49% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.49% 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%
Certificates of Deposit (CD) - 24-Month
$500
4.13%
▲ 1.49% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.49% 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%
Share Certificates - 24 Month
$500
4.13%
▲ 1.49% above Massachusetts avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.49% 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%
24 Month Certificate
$500
4.07%
▲ 1.43% above Massachusetts avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.43% 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%
24 Month Certificate
$500
4.05%
▲ 1.41% above Massachusetts avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.41% 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%
24 month Certificate
$0
4.05%
▲ 1.41% above Massachusetts avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.41% 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%
24 Months Term Share Certificate (CD & IRA)
$500
4.05%
▲ 1.41% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.41% 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
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month CD - Premier5 Banking
$1,000
3.90%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.26% above avgNationally 2.88%
Details
Open Now; Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 24 Month CD
$1,000
3.90%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.26% above avgNationally 2.88%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 24 Month - Premier5 Banking
$1,000
3.90%
▲ 1.26% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.26% above avgNationally 2.88%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.90% APY
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month CD
$0
3.90%
▲ 1.26% above Massachusetts avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.26% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 months' interest; Interest Rate/APY: 3.83% / 3.90%
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%
24 Month CD - PrimaryPlus Banking
$1,000
3.88%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.24% above avgNationally 2.88%
Details
Open Now; PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 24 Month - PrimaryPlus Banking
$1,000
3.88%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.24% above avgNationally 2.88%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.88% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
24 Month CD
$1,000
3.85%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.21% 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%
Business Certificates of Deposit - 24 Month CD
$1,000
3.85%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.21% above avgNationally 2.88%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
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
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 24 Month
$1,000
3.85%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.21% above avgNationally 2.88%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 14, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
24-Month CD/IRA
$0
3.85%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.21% 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%
24 Month Fixed Rate CD
$0
3.85%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.64%▲ 1.21% 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%
2 year CD
$2,500
3.85%
▲ 1.21% above Massachusetts avg
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.21% 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%
Share Certificate - 24 Month
$0
3.85%
▲ 1.21% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.64%▲ 1.21% 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%
24-Month Certificate of Deposit
$1,000
3.82%
▲ 1.18% above Massachusetts avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.64%▲ 1.18% above avgNationally 2.88%
Details
Dividend Rate: 3.75%
Rate History
No change since Sep 24, 2026 · 3.82% APY · checked 5 times
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Certificate of Deposit - 24 Month
$1,000
3.81%
▲ 1.17% above Massachusetts avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.64%▲ 1.17% 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
Essex 36 Month CD Rates
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%
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%
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%
3 Year High-Yield CD
$500
4.40%
▲ 1.94% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.94% above avgNationally 2.81%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40%
▲ 1.94% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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%
3-Year CD
$0
4.35%
▲ 1.89% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.89% above avgNationally 2.81%
Details
Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online
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
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Certificate of Deposit - 3 Years
$1,000
4.35%
▲ 1.89% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.89% above avgNationally 2.81%
Details
Monthly Service Charge:
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%
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%
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%
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%
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%
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%
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%
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
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
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%
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%
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%
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 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.20%
▲ 1.74% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 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 Oct 14, 2026 · 4.20% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.72% 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%
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%
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%
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%
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 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 14, 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%
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%
36-Month Certificate of Deposit
$1,000
3.97%
▲ 1.51% above Massachusetts avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.51% above avgNationally 2.81%
Details
Dividend Rate: 3.90%
Rate History
No change since Sep 24, 2026 · 3.97% APY · checked 5 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD - Premier5 Banking
$1,000
3.90%
▲ 1.44% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details
Open Now; Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 36 Month CD
$1,000
3.90%
▲ 1.44% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 36 Month - Premier5 Banking
$1,000
3.90%
▲ 1.44% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.44% above avgNationally 2.81%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.90% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD - PrimaryPlus Banking
$1,000
3.88%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.42% above avgNationally 2.81%
Details
Open Now; PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 36 Month - PrimaryPlus Banking
$1,000
3.88%
▲ 1.42% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.42% above avgNationally 2.81%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.88% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
36 Month CD
$1,000
3.85%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
Business Certificates of Deposit - 36 Month CD
$1,000
3.85%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
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
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 36 Month
$1,000
3.85%
▲ 1.39% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.39% above avgNationally 2.81%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 14, 20263.85%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
36-Month CD/IRA
$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%
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%
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%
Certificate - 36 months
$2,500
3.82%
▲ 1.36% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.46%▲ 1.36% above avgNationally 2.81%
Details
Regular term and IRA Certificates
Rate History
No change since Oct 14, 2026 · 3.82% APY
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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
Essex 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
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%
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%
4 Year High-Yield CD
$500
4.40%
▲ 2.09% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 2.09% above avgNationally 2.80%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40%
▲ 2.09% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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%
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%
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%
Certificate of Deposit - 4 Years
$1,000
4.35%
▲ 2.04% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 2.04% above avgNationally 2.80%
Details
Monthly Service Charge:
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
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
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%
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%
48 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.25%
▲ 1.94% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 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 Oct 14, 2026 · 4.25% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$500
4.23%
▲ 1.92% 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%
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%
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%
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%
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%
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%
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 14, 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%
48-Month Certificate of Deposit
$1,000
4.02%
▲ 1.71% above Massachusetts avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.71% above avgNationally 2.80%
Details
Dividend Rate: 3.95%
Rate History
No change since Sep 24, 2026 · 4.02% APY · checked 5 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
Certificate - 48 months
$2,500
3.82%
▲ 1.51% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.51% above avgNationally 2.80%
Details
Regular term and IRA Certificates
Rate History
No change since Oct 14, 2026 · 3.82% APY
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
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%
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%
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%
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%
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%
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%
48 Month CD - Premier5 Banking
$1,000
3.60%
▲ 1.29% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details
Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 48 Month CD
$1,000
3.60%
▲ 1.29% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 48 Month - Premier5 Banking
$1,000
3.60%
▲ 1.29% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.29% above avgNationally 2.80%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.60% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD - PrimaryPlus Banking
$1,000
3.58%
▲ 1.27% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.27% above avgNationally 2.80%
Details
PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 48 Month - PrimaryPlus Banking
$1,000
3.58%
▲ 1.27% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.27% above avgNationally 2.80%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.58% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
48 Month CD
$1,000
3.55%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
Business Certificates of Deposit - 48 Month CD
$1,000
3.55%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
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
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 48 Month
$1,000
3.55%
▲ 1.24% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.24% above avgNationally 2.80%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 14, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
48-Month CD/IRA
$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%
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%
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%
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%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month
$100,000
3.50%
▲ 1.19% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 1.19% above avgNationally 2.80%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
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%
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%
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%
Business Certificates of Deposit - 48 months
$0
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Minimum Balance to Open & Earn APY: $500.00; Maximum opening deposit of $250,000.00 per certificate of deposit account; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 3.25% APY
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
Certificate of Deposit - 48 months
$500
3.25%
▲ 0.94% above Massachusetts avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.31%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Sep 9, 2026 · 3.25% APY · checked 9 times
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
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%
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%
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%
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%
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%
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%
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
Essex 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
60 Month Certificate of Deposit
$1,000
4.75%
▲ 2.30% above Massachusetts avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 2.30% above avgNationally 2.91%
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%
60-Month Traditional/Roth IRA CD
$50,000
4.44%
▲ 1.99% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.99% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Sep 29, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$50,000
4.44%
▲ 1.99% above Massachusetts avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.99% above avgNationally 2.91%
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%
5 Year High-Yield CD
$500
4.40%
▲ 1.95% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.95% above avgNationally 2.91%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40%
▲ 1.95% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.95% above avgNationally 2.91%
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%
Certificate of Deposit - 5 Years
$1,000
4.35%
▲ 1.90% above Massachusetts avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.90% above avgNationally 2.91%
Details
Monthly Service Charge:
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%
60 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.30%
▲ 1.85% above Massachusetts avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.85% above avgNationally 2.91%
Details
Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.30% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$500
4.28%
▲ 1.83% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Sep 29, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$500
4.28%
▲ 1.83% above Massachusetts avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.91%
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%
Jumbo Share Certificate - 60 Month (jumbo)
$50,000
4.28%
▲ 1.83% above Massachusetts avg
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.83% above avgNationally 2.91%
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%
60 Month IRA Certificates
$500
4.25%
▲ 1.80% above Massachusetts avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.80% above avgNationally 2.91%
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%
Share Certificate - 60 Month
$1,000
4.25%
▲ 1.80% above Massachusetts avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.80% above avgNationally 2.91%
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%
60 Month Certificate
$1,000
4.23%
▲ 1.78% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.78% above avgNationally 2.91%
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%
60 Month IRA Certificate
$1,000
4.23%
▲ 1.78% above Massachusetts avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.78% above avgNationally 2.91%
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%
60 month Certificate
$0
4.20%
▲ 1.75% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.91%
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%
60 month IRA Certificate
$0
4.20%
▲ 1.75% above Massachusetts avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.91%
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%
60 Months Term Share Certificate (CD & IRA)
$500
4.20%
▲ 1.75% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.75% above avgNationally 2.91%
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%
Share Certificates - 60 Month
$500
4.18%
▲ 1.73% above Massachusetts avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.73% above avgNationally 2.91%
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%
60-Month Certificate of Deposit
$1,000
4.07%
▲ 1.62% above Massachusetts avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.62% above avgNationally 2.91%
Details
Dividend Rate: 4.00%
Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 5 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
Certificate - 60 months
$2,500
3.82%
▲ 1.37% above Massachusetts avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.37% above avgNationally 2.91%
Details
Regular term and IRA Certificates
Rate History
No change since Oct 14, 2026 · 3.82% APY
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
60 Month Fixed
$0
3.81%
▲ 1.36% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.91%
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%
Term Deposit - 60 Month
$0
3.81%
▲ 1.36% above Massachusetts avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.36% above avgNationally 2.91%
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%
5 Year Certificate
$0
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
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%
IRA Certificate 5 Years
$0
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
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%
Certificates - 60 Month
$500
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
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%
I.R.A. Certificates - 60 Month
$200
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
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%
60 Month Premium Certificate
$0
3.75%
▲ 1.30% above Massachusetts avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.30% above avgNationally 2.91%
Details
Member must be at least 18 years of age and have a minimum monthly direct deposit of $1,500 into a Premium Checking account; minimum opening deposit of $10,000 for Premium Certificate
Rate History
No change since Oct 14, 2026 · 3.75% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD - Premier5 Banking
$1,000
3.60%
▲ 1.15% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.91%
Details
Premier5 Banking APY
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Business Non-Profit Certificates of Deposit (CDs) Accounts - 60 Month CD
$1,000
3.60%
▲ 1.15% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.91%
Details
Available exclusively to organizations with documented 501c status; Minimum balance to open all CDs is $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 60 Month - Premier5 Banking
$1,000
3.60%
▲ 1.15% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.15% above avgNationally 2.91%
Details
Premier5 Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.60% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD - PrimaryPlus Banking
$1,000
3.58%
▲ 1.13% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.13% above avgNationally 2.91%
Details
PrimaryPlus Banking APY
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 3 times
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 60 Month - PrimaryPlus Banking
$1,000
3.58%
▲ 1.13% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.13% above avgNationally 2.91%
Details
PrimaryPlus Banking APY; Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.58% APY
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
60 Month CD
$1,000
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
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%
Business Certificates of Deposit - 60 Month CD
$1,000
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
Details
Minimum balance to open all CDs is $1,000; early withdrawal penalty may apply
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
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
IRA CD 60 Month
$1,000
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
Details
Retirement Certificates of Deposit (IRA CDs); Minimum balance to open all CDs is $1,000; Available to new and existing customers; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
- Oct 14, 20263.55%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Fidelity Co-operative Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.47%
60-Month CD/IRA
$0
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
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%
60 Month Fixed Rate CD
$0
3.55%
▲ 1.10% above Massachusetts avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 7, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5 year CD
$2,500
3.55%
▲ 1.10% above Massachusetts avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
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%
60 Month CD Share Certificate - Jumbo
$250
3.55%
▲ 1.10% above Massachusetts avg
▼
Rate3.49%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.10% above avgNationally 2.91%
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%
5 Year Certificate
$0
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.91%
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%
5 Year IRA Certificate
$0
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.91%
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%
60 Month CD Share Certificate
$250
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.91%
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%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month
$100,000
3.50%
▲ 1.05% above Massachusetts avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.91%
Details
Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
CENTRAL ONE
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
60 Month Regular Certificate
$0
3.50%
▲ 1.05% above Massachusetts avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 1.05% above avgNationally 2.91%
Details
Also applies to IRA Certificates; no additional deposits after account opening
Rate History
No change since Oct 14, 2026 · 3.50% APY
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60 Month Certificate
$1,000
3.45%
▲ 1.00% above Massachusetts avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 1.00% above avgNationally 2.91%
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%
5 Year Consumer Certificate of Deposit
$500
3.40%
▲ 0.95% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Massachusetts Average2.45%▲ 0.95% above avgNationally 2.91%
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%
IRA 60 month fixed
$25
3.35%
▲ 0.90% above Massachusetts avg
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.91%
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%
IRA 60 month variable
$25
3.35%
▲ 0.90% above Massachusetts avg
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.91%
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%
Certificates - 60 Months
$500
3.35%
▲ 0.90% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.91%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
IRA Certificate - 60 Months
$500
3.35%
▲ 0.90% above Massachusetts avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Massachusetts Average2.45%▲ 0.90% above avgNationally 2.91%
Details
Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 5 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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.
Essex, MA CD Rate Trends
Compare local Essex, MA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MA Avg
2.802%
▲ 0.054 vs 7 days ago
Massachusetts 12-month CD rates rose 0.054 points over the past 7 days to 2.802% APY.
6-Month CD MA Avg
2.688%
▲ 0.032 vs 7 days ago
Massachusetts 6-month CD rates rose 0.032 points over the past 7 days to 2.688% APY.
As of Oct 14, 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
2.802%
6-Month Forecast
2.802%
Range: 2.60%, 2.95%
12-Month Forecast
3.052%
Range: 2.85%, 3.20%
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What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.948% | $97.42 | $194.84 | $487.10 | $974.20 |
| 6-Month CD | 2.688% | $134.42 | $268.84 | $672.10 | $1,344.20 |
| 12-Month CD | 2.802% | $140.12 | $280.23 | $700.57 | $1,401.15 |
| 18-Month CD | 2.831% | $141.56 | $283.11 | $707.78 | $1,415.55 |
| 24-Month CD | 2.636% | $131.79 | $263.58 | $658.95 | $1,317.90 |
| 36-Month CD | 2.461% | $123.05 | $246.10 | $615.25 | $1,230.50 |
| 48-Month CD | 2.308% | $115.41 | $230.83 | $577.07 | $1,154.15 |
| 60-Month CD | 2.450% | $122.51 | $245.02 | $612.55 | $1,225.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Essex, 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 | 1.948% | $97.42 |
| 2 | 6-Month CD | $5,000 | 2.688% | $134.42 |
| 3 | 12-Month CD | $5,000 | 2.802% | $140.12 |
| 4 | 24-Month CD | $5,000 | 2.636% | $131.79 |
| 5 | 36-Month CD | $5,000 | 2.461% | $123.05 |
| Total ($25,000 invested) | $25,000 | 2.507% blended | $626.80/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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1,595
CD Rates
Tracked in Essex, Massachusetts
Tracked in Essex, Massachusetts
63 Banks
66 Credit Unions
About Our Essex, Massachusetts CD Rate Database
MonitorBankRates tracks 1,595 CD rates from 63 banks and 66 credit unions with locations in Essex, 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: Beacon Bank and Trust offers a CD at 3.30% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Essex, Massachusetts.
How to Find the Best CD Rates in Essex, Massachusetts
What to compare when shopping for a CD in Essex, Massachusetts
To find the best APYs in Essex, Massachusetts, start with credit unions and online-only banks: Essex, Massachusetts has 66 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 Essex, 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 Essex, Massachusetts: 129 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Essex, 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 Essex, Massachusetts money market rates
Essex, Massachusetts Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.7%
National avg: 17.3%
Median Individual Earnings
$61,000
National avg: $47,340
Poverty Rate
7.5%
National avg: 11.1%
Unemployment Rate
2.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$171/yr
At MA 12-mo avg 2.802% APY
12.7% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.2% reflects a strong local economy. At today’s MA 12-month CD average of 2.802%, saving 10% of the local median salary ($6,100/year) and putting it in a CD would earn an additional $171 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 Essex, 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 Essex, 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 Essex, 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 Essex, Massachusetts as everywhere in the U.S.
Choosing a CD Term in Essex, 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 Essex, Massachusetts savers easier access to their funds. For example, Beacon Bank and Trust is offering its 6-Month Certificate of Deposit (CD) at 3.30% 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 Essex, 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 Essex, 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 Essex, 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 Essex, 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 Essex, Massachusetts
Most CDs carry a fixed rate that is locked for the entire term, protecting a Essex, 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 Essex, Massachusetts
Are CD rates in Essex, Massachusetts FDIC insured?
Yes, most established banks in Essex, 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 Essex, 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 Essex, 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 Essex, 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 Essex, Massachusetts?
Here are recent top rates found for this area:
- Beacon Bank and Trust: 3.30% APY (24-Month Certificate of Deposit (CD))
- 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 Certificate of Deposit - 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)
Rates reflect recent verified offers available in Essex, Massachusetts. Last Updated: October 14, 2026
Essex, 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 Essex, 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 Essex, Massachusetts
Essex, Massachusetts CD Calculator
At today’s MA top rate of 3.30% APY, a $10,000 deposit earns $330 in the first year. Enter your amount to see your exact return.
Essex, Massachusetts CD LadderMA CD rates currently range from 1.948% (3-month) to 2.461% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Essex, Massachusetts CD at 3.30% 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 2.802% 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 Essex, 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 Essex, 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 Essex, 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 14, 2026
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