Needham, Massachusetts CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Needham, Massachusetts CD rates include Webster BankWebster BankA+5.0 ★Texas Ratio: 2.48%Real return: +1.20%APY minus CPI (February 2026) offering Private 3-Month CD at 4.00% APY, Needham BankNeedham BankA+5.0 ★Texas Ratio: 3.75%Real return: +1.05%APY minus CPI (February 2026) offering 12 Month CD at 3.85% APY, Direct Federal Credit UnionDirect Federal Credit UnionA+5.0 ★Texas Ratio: 2.76%Real return: +0.95%APY minus CPI (February 2026) offering 6 Month Certificate at 3.75% APY, Eastern Bank Boston, MAEastern Bank Boston, MAA+5.0 ★Texas Ratio: 2.03%Real return: +0.95%APY minus CPI (February 2026) offering 6 Month CD/IRA CD at 3.75% APY, and Dedham Institution for SavingsDedham Institution for SavingsA5.0 ★Texas Ratio: 6.25%Real return: +0.71%APY minus CPI (February 2026) offering 24 Month CD/IRAs at 3.51% APY. CD rates as of May 15, 2026 according to verified data from MonitorBankRates.
Needham has 34 local institutions in our database, with CD rates as high as 4.00% APY from Webster Bank at 7 Edward J Lempka Dr, Florida, NY 10921. 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 15, 2026
Compare Best CD Rates in Needham, Massachusetts & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Freedom Platinum 3 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month Certificate of Deposit
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month CD
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month Premier Account CD and IRA CDssuper script2
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3 Month CD/IRA
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
3-Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Boost your tax refund
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Term Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
*APY: Annual Percentage Yield
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Premium Certificate Account
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
3 month CD
$500
3.64%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate Account
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates of Deposit 3 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Certificates of Deposit
$2,500
3.25%
▼
Rate3.21%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
3 Months Certificates of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Month Certificates of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month Business CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit 3 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Avidia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3 Months Certificates of Deposit
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 MONTH Certificates of Deposit (CDs)
$500
2.75%
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates of Deposit 3 Month
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Months Term Certificates
$500
1.95%
▼
Rate1.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months IRA & Share Certificate
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Penalty: 30 Days Interest
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA & Share Certificate 3 Months
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Penalty: 30 Days Interest
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
90 Days Fixed
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Certificate
$2,500
0.95%
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$0
0.76%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Certificate
$500
0.65%
▼
Rate0.64%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
IRA Certificates 3 Months
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3 Months Certificate
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Certificates & Individual Retirement Accounts
$500
0.50%
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
90 Day Certificate
$0
0.41%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
CDs and IRAs 3 months
$2,500
0.25%
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Money Only
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month CD/IRA CD
$2,500
3.75%
▼
Rate3.72%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Money Only
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6-Month CD/IRA
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Certificate of Deposit
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month IRA Certificate
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
6 month CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Certificate
$2,500
3.95%
▼
Rate3.88%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
6 Month Term Deposit Certificates (TDC)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
6 Month Term Deposit Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
6 Month Business Term Deposit Certificates (TDC)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Certificates of Deposit 6 Month
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
Standard Share Certificate 6 months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Months Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Certificate Special 6-month
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
IRA Certificates 6 Months
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 months Certificates & IRAs
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
New Money Special
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 months Share/IRA Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
New Money Special
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6-Month CD
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month Business CD
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month CD/IRA
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Certificate of Deposit & IRAs 6 months
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Certificate of Deposit 6 months
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.72%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Months Certificates of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month HSA CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
6 Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
IRA Certificate 6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Certificate
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Premium Certificate Account
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month Certificate (CDs) / IRA
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 months Certificates & IRAs
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 months Share/IRA Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Billerica Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
6 Months CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate Account
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6-Month Fixed Rate Certificate of Deposit (CD)
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Month CD
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
6 Month Certificate of Deposit (CD)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
6 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Certificates & Individual Retirement Accounts
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month CD/IRAs
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12-Month CD/IRA
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Blended 12 Month APY
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Blended 12 Month APY
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Blended 12 Month APY
$0
0.01%
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
12 Months CD
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1 year CD
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Term Certificate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
IRA Certificates 12 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Months Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA Certificates 12 Month
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
12 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month IRA Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Simplified Employee Pension (SEP) IRAs 12 Month IRA TDC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
12 Month Term Deposit Certificates (TDC)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
12 Month IRA TDC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
12 Month Business Term Deposit Certificates (TDC)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1 Year Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates of Deposit 12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
12 Month Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
12 Month IRA Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12 months Certificate
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
Regular term and IRA Certificates - 12 months
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
12 Months Certificates of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
IRA Certificates - 12 Months Traditional & Roth IRA's
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits Jumbo 12-Month
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
12 Month Certificate
$500
3.65%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits First-Responder 12-Month
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month CD/IRA
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Months Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 months Certificates & IRAs
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 months Share/IRA Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12-Month CD
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 12-Month Special
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
12 Month Certificate of Deposit (CD)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
12 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month CD/IRAs
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18-Month CD/IRA
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18 Month IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
18 Month CD/IRA
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Certificates of Deposit 18 Month
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Simplified Employee Pension (SEP) IRAs 18 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
18 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
18 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
18 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates of Deposit 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
18 month CD
$500
3.49%
▼
Rate3.43%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificate
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 18-Month Special
$5,000
3.35%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Premium Certificate Account
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits One-Time Bump 18-Month
$5,000
3.30%
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18-Month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 months Certificates & IRAs
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 months Share/IRA Certificates
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
18 Month Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Certificates of Deposit 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
18 Month Certificate of Deposit (CD)
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
18 Month Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
18 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate Account
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 Months IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
SEP (Simplified Employee Pension) IRA Certificates 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
IRA Certificates 1.5 Years
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
18-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
IRA Certificates 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $500.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18 Month Term Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA Certificates 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month CD/IRAs
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24-Month CD/IRA
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Months Share Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month IRA Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
24 Month Certificates of Deposit
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA Certificates 24 Month
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
24-Month Save for Success Hybrid Share Certificate
$25
3.75%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedMay 10, 2026
Details
Transfer In Up To $1,000 Each Month; Build Your Savings At Your Own Pace
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
24-Month Certificates of Deposit (CDs)
$500
3.67%
▼
Rate3.61%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share/IRA Certificates 2 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
24 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
24 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
24 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Simplified Employee Pension (SEP) IRAs 24 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Certificates of Deposit 2 Year
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 2 years
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Months Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
IRA Certificates 24 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Certificate
$500
3.45%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
24 Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
24 Months Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Share Certificate & IRA Certificates 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
24 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
24 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
$500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
24 Month Certificate of Deposit (CD)
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
24 Month Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
24 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 Months IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24 months CD's and IRA's
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Month Term Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Individual Retirement Accounts (IRA) 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificates of Deposit 24 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificate of Deposit 24 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
BankGloucester
Institution Rating:
B+4.7 ★Texas Ratio: 19.12%
IRA 24 Months and over
$500
3.25%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$50,000.00
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00 - $49,999.99
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Certificates & Individual Retirement Accounts
$500
3.20%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
2 Year IRA Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
24 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates of Deposit 24 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Month CD/IRAs
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36-Month CD/IRA
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3-Year Step-Up IRA Year - 3
$200
4.00%
▼
Rate3.93%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share/IRA Certificates 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Simplified Employee Pension (SEP) IRAs 36 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3-Year Step-Up IRA Year - 2
$200
3.50%
▼
Rate3.45%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
36 Month Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
36 Month IRA TDC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
36 Month Business Term Deposit Certificates (TDC)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36 Month Term Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 3 years
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
36 Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Year IRA Certificates
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Months Certificate
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
IRA Certificates 36 Months
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 month IRA Certificate
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 Month Step Up Certificates of Deposit Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
Regular term and IRA Certificates - 36 months
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
36 months Certificate
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 Month Step Up Certificates of Deposit Year 3
$0
3.30%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 Month Step Up Certificates of Deposit Year 2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 Month Step Up Certificate, Year 2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 Month Step Up Certificate, Year 3
$0
3.30%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Share Certificate & IRA Certificates 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
36 Months Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month CD/IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 Month Step Up Certificate, Year 1
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
36 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
36 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
36 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
36-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3-Year Step-Up IRA Year - 1
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA Certificates 36 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificates of Deposit 36 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
36 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Individual Retirement Accounts (IRA) 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificate of Deposit 36 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Years Term Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
36 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates of Deposit 36 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
36 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Months Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month CD/IRAs
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48-Month CD/IRA
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48 Month Term Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
48 Month Fixed
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
48 months Certificate
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
Regular term and IRA Certificates - 48 months
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
48 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Individual Retirement Accounts (IRA) 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA Certificates 48 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
48 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificates of Deposit 48 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificate of Deposit 48 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
48 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
48 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates of Deposit 48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
48 Month Term Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
Standard Share Certificate 48 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
48 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
IRA Certificates 48 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Months Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Certificates & Individual Retirement Accounts
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit 48 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates of Deposit 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
IRA Certificate Of Deposit 48 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA Certificates 48 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 48-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
SEP (Simplified Employee Pension) IRA Certificates 4 Years
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
48 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Certificate of Deposit
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
60 Month CD/IRAs
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60-Month CD/IRA
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
60 months Certificate
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
Regular term and IRA Certificates - 60 months
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Fixed
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60 Month Term Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
IRA Certificates 60 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $500.00
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Certificates of Deposit 5 Year
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 5 years
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
IRA Certificates 60 Months
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 month IRA Certificate
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Months Certificate
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
60 Month Term Certificate
$0
3.30%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
60 Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Certificate
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
60-Month Certificates of Deposit (CDs)
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
60 Month IRA Certificates
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedMay 7, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
60 Month Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA Certificates 60 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
60 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
60 Month Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Individual Retirement Accounts (IRA) 60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificates of Deposit 60 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Business Certificate of Deposit 60 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
StonehamBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
60 months Certificate of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
60 Month IRA Certificates of Deposit
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates of Deposit 60 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
60 Months Certificates of Deposit
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
60 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Certificates & Individual Retirement Accounts
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
60 Months IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
Standard Share Certificate 60 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
IRA Certificate Of Deposit 60 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA Certificates 60 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates of Deposit 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 60-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Needham, Massachusetts at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Needham depositors is 4.00% APY from Webster Bank. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Needham, MA CD Rate Trends
Compare local Needham, 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
2.050%
▲ 0.077 vs 7 days ago
Massachusetts 12-month CD rates rose 0.077 points over the past 7 days to 2.050% APY.
6-Month CD — MA Avg
2.469%
▲ 0.073 vs 7 days ago
Massachusetts 6-month CD rates rose 0.073 points over the past 7 days to 2.469% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MA CD Rate Forecast — Next 12 Months
Where are Massachusetts CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MA 12-Month Avg APY
2.050%
6-Month Forecast
2.050%
Range: 1.85% – 2.20%
12-Month Forecast
1.800%
Range: 1.60% – 1.95%
Powered by
MonitorBankRates
What Your Savings Earn at MA CD Rates Today
Annual interest earnings at today’s Massachusetts average APYs. State average used where available; national average as fallback.
| CD Term | MA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.028% | $101.42 | $202.84 | $507.10 | $1,014.20 |
| 6-Month CD | 2.469% | $123.44 | $246.87 | $617.18 | $1,234.35 |
| 12-Month CD | 2.050% | $102.52 | $205.04 | $512.60 | $1,025.20 |
| 18-Month CD | 2.235% | $111.75 | $223.50 | $558.75 | $1,117.50 |
| 24-Month CD | 2.225% | $111.26 | $222.51 | $556.28 | $1,112.55 |
| 36-Month CD | 1.848% | $92.42 | $184.83 | $462.08 | $924.15 |
| 48-Month CD | 1.814% | $90.72 | $181.43 | $453.58 | $907.15 |
| 60-Month CD | 2.327% | $116.33 | $232.65 | $581.63 | $1,163.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 15, 2026. | |||||
Sample CD Ladder for Needham, Massachusetts Savers
$25,000 split equally across 5 terms using today’s Massachusetts average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.028% | $101.42 |
| 2 | 6-Month CD | $5,000 | 2.469% | $123.44 |
| 3 | 12-Month CD | $5,000 | 2.050% | $102.52 |
| 4 | 24-Month CD | $5,000 | 2.225% | $111.26 |
| 5 | 36-Month CD | $5,000 | 1.848% | $92.42 |
| Total ($25,000 invested) | $25,000 | 2.124% blended | $531.06/yr | |
Ladder example uses equal $5,000 rungs and Massachusetts average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
939
CD Rates
Tracked in Needham, Massachusetts
Tracked in Needham, Massachusetts
49 Banks
53 Credit Unions
About Our Needham, Massachusetts CD Rate Database
MonitorBankRates tracks 939 CD rates from 49 banks and 53 credit unions with locations in Needham, Massachusetts, plus national online institutions available to Massachusetts residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Webster Bank offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Needham, Massachusetts.
How to Find the Best CD Rates in Needham, Massachusetts
What to compare when shopping for a CD in Needham, Massachusetts
To find the best APYs in Needham, Massachusetts, start with credit unions and online-only banks — Needham, Massachusetts has 53 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Needham, 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 Needham, Massachusetts — 102 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Needham, Massachusetts savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Needham, Massachusetts money market rates
Needham, Massachusetts Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.7%
National avg: 17.3%
Median Individual Earnings
$94,920
National avg: $47,340
Poverty Rate
3.7%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$195/yr
At MA 12-mo avg 2.050% APY
17.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s MA 12-month CD average of 2.050%, saving 10% of the local median salary ($9,492/year) and putting it in a CD would earn an additional $195 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 Needham, Massachusetts
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Needham, Massachusetts
Are CD rates in Needham, Massachusetts FDIC insured?
Yes, most established banks in Needham, 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 Needham, 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 Needham, 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 Needham, 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 Needham, Massachusetts?
Here are recent top rates found for this area:
- Webster Bank: 4.00% APY (Private 3-Month CD)
- Needham Bank: 3.85% APY (12 Month CD)
- Direct Federal Credit Union: 3.75% APY (6 Month Certificate)
- Eastern Bank Boston, MA: 3.75% APY (6 Month CD/IRA CD)
- Dedham Institution for Savings: 3.51% APY (24 Month CD/IRAs)
- Middlesex Savings Bank: 3.50% APY (Freedom Platinum 3 Month Certificate)
- Fidelity Co-operative Bank: 3.20% APY (12-Month CD/IRA)
- TD Bank: 1.00% APY (5 Year)
- Worcester Fire Dept Credit Union: 4.08% APY (12 Months CD)
- River Works Credit Union: 4.07% APY (6 Month Certificate of Deposit)
Rates reflect recent verified offers available in Needham, Massachusetts. Last Updated: May 15, 2026
CD Calculators for Needham, Massachusetts
Needham, Massachusetts CD Calculator
At today’s MA top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Needham, Massachusetts CD LadderMA CD rates currently range from 2.028% (3-month) to 1.848% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Needham, Massachusetts CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMassachusetts’s average 12-month CD is 2.050% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Needham, 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 Needham, 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 Needham, Massachusetts. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 15, 2026
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