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CD Rates Williamstown, Massachusetts (MA) for April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 12, 2026

Current Williamstown, Massachusetts CD rates include MountainOne BankMountainOne Bank795 Main St, Williamstown, MA 01267A+5.0 ★Texas Ratio: 1.26%Real return: +0.20%APY minus CPI (February 2026) offering 6 Month CD at 3.00% APY, TD BankTD Bank57 Spring St, Williamstown, MA 01267A5.0 ★Texas Ratio: 6.30%Real return: -1.80%APY minus CPI (February 2026) offering 12 Month IRA Certificates at 1.00% APY, Middlesex Federal SavingsMiddlesex Federal SavingsA+5.0 ★Texas Ratio: 0.50%Real return: +1.79%APY minus CPI (February 2026) offering IRA 18 Month Variable Rate Certificate at 4.59% APY, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 21.07%Real return: +1.30%APY minus CPI (February 2026) offering 18 Month Certificate at 4.10% APY, and River Works Credit UnionRiver Works Credit UnionA5.0 ★Texas Ratio: 7.57%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 4.07% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Williamstown has 10 local institutions in our database, with CD rates as high as 3.00% APY from MountainOne Bank at 795 Main St, Williamstown, MA 01267. 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: April 12, 2026

Compare Best CD Rates in Williamstown, Massachusetts & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
3 Month CD
$1,000
1.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Private 3-Month CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Certificate of Deposit
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
3 Month Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3 Month CD/IRA
$500
3.79%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
3-Month IRA Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Boost your tax refund by 3.75% APY.

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
3 month CD
$500
3.64%
View
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
3.60%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Freedom Platinum 3 Month Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Month Certificates of Deposit
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month Business CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 MONTH Certificates of Deposit (CDs)
$500
2.75%
View
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3 Month Certificates of Deposit
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3 Month CD
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month CD
$2,500
2.02%
View
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Certificate
$2,500
0.95%
View
▼
Rate0.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$0
0.76%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 3 Month
$100,000
0.65%
View
▼
Rate0.64%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
90 Day Certificate
$0
0.41%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Month CD
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
90 Day Certificates of Deposit
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3 mo. Certificates
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
UNITY 90 Day CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
3 Month CD
$0
0.05%
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
6 Month CD
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Certificate of Deposit
$500
4.07%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month Certificate
$2,500
4.05%
View
▼
Rate3.98%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month Certificate
$0
4.02%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Homeowner CD 6-Month
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Additional 4.00% Annualized Bonus for Leader Bank Home Purchase

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
6 Month Certificates of Deposit
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Certificate Special 6-month
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month Business CD
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificate and IRA Certificates 6 Month
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6 Month Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

New Money Only

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 6 Month
$100,000
3.65%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Certificate (CDs) / IRA 6 Month
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 6 Month
$0
3.60%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
Term Deposit Savings 6 Month Terms
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Co-op Points boost your rate!

Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6 Month Share Certificates - Tier 1
$500
3.53%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.

Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6 Month Certificates of Deposit
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
6 Month Certificate of Deposit (CD)
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6 Month CD
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
6 Month CD
$0
3.39%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

LIMITED TIME ONLY

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6 Month Certificates of Deposit
$500
3.25%
View
▼
Rate3.22%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 Month CD Premier5 Banking
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6-Month CD/IRA Plus Spending
$0
3.18%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$0
3.15%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
6 Month Certificate
$500
2.90%
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
6 MONTH Certificates of Deposit (CDs)
$500
2.75%
View
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month CD
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
6 Month Share Certificate
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
6 Month CD
$500
1.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
6 Month Certificate of Deposit
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
6 Month Certificates
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Month Term CD
$0
0.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
6 Month Certificate
$2,500
0.66%
View
▼
Rate0.65%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6 Month Certificate
$0
0.51%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
6 Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
6 Month Certificate
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Certificates of Deposit
$1,000
0.35%
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6 Month Certificates of Deposit
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
6 Month IRA Certificate
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month 'No Penalty' Certificate of Deposit
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

not eligible for IRA

Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Share Certificates 6 Month
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Certificates of Deposit & IRA 6 month
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
12 Month CD
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
57 Spring St, Williamstown, MA 01267
12 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details

Relationship APY

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12-MONTH CD
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Month Share Certificates - Tier 1
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Term Certificate
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
12 Month Step-Up Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months).

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month CD
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
12 Month Certificate
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

NGB of Marblehead
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificate of Deposit 1 Year
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 12 Month
$100,000
3.65%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month CD/IRA
$500
3.60%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Year Certificates of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Certificate (CDs) / IRA 12 Month
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Month Certificate
$0
3.45%
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
12 Month IRA Certificate
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month IRA
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

***

Coastal Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
12-Month IRA
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share/IRA Certificates 1 Year
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12 Month CD Premier5 Banking
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12-Month CD/IRA Plus Spending
$0
2.98%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1 Year Certificates of Deposit
$0
2.93%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 month Certificate Of Deposit
$0
2.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 Month Certificate
$500
2.88%
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1 Year Term Certificates
$500
2.80%
View
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1 Year Certificate of Deposit Account
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1 Year CD
$500
2.50%
View
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
12 Month Share Certificate
$500
2.25%
View
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
12 Month Certificate
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
12 Month Certificate of Deposit
$500
1.51%
View
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Month Term CD
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
12 Month CD
$0
1.15%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
12 Month Certificate
$500
1.02%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1 Year Certificate of Deposit
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1 Year Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 Year Certificate
$0
0.61%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12-Month Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share Certificates and IRA Certificates 1 Year
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 Month Certificates of Deposit
$1,000
0.40%
View
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Certificate of Deposit
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
12 Month Certificate
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Certificate of Deposit
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 month IRA Certificates
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Certificates of Deposit & IRA 12 month
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Roth IRA 12 Month Share Certificate
$500
0.05%
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
18 Month CD
$1,000
2.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
57 Spring St, Williamstown, MA 01267
18 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details

Relationship APY

Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
IRA 18 Month Variable Rate Certificate
$100
4.59%
View
▼
Rate4.50%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
18 Month Certificate
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18-Month Special Certificate
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Month Share Certificates - Tier 1
$1,000
3.72%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 18 Month
$100,000
3.70%
View
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month Certificate
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
18 Month Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
18 month CD
$500
3.49%
View
▼
Rate3.43%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 18 Month
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
18 Month Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Month Certificate
$500
3.19%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month IRA Term Certificates
$500
3.05%
View
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.65%
18 Month Certificate**
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
18 Month CD Premier5 Banking
$0
2.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18-Month CD/IRA Plus Spending
$0
2.63%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 MONTH Certificates of Deposit (CDs)
$500
2.50%
View
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
18 Month Share Certificate
$500
2.31%
View
▼
Rate2.29%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18 Month CD
$1,000
2.00%
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Certificate of Deposit
$500
1.76%
View
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 Month CD
$0
1.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
18 Month Certificates
$500
1.60%
View
▼
Rate1.59%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
IRA Variable 18 Month Certificate
$50
1.28%
View
▼
Rate1.25%
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details

RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month CD/IRA
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.

Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
18 Month Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
18 Month Certificate
$500
0.55%
View
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
18 Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 Month Certificates of Deposit
$1,000
0.45%
View
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Winter Hill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Statement IRA 18 month
$500
0.40%
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

OneLocal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Certificate of Deposit & IRAs 18 month Preferred CD
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
18 Month Certificate of Deposit
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month CD
$500
0.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Certificates of Deposit & IRA 18 month
$1,000
0.15%
View
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
24 Month CD
$1,000
2.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24-MONTH CD
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24-Month CD
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
24 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Rate Special

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2 year CD
$500
3.87%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month Certificates of Deposit
$500
3.75%
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 24 Month
$100,000
3.70%
View
▼
Rate3.58%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
24-Month Certificates of Deposit (CDs)
$500
3.67%
View
▼
Rate3.61%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share/IRA Certificates 2 Year
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month CD
$1,000
3.51%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2 Year Certificates of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Share Certificates - Tier 1
$1,000
3.44%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All Share Certificates post dividends at maturity.; 2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.; 3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.; Tier level determined by opening deposit, not subject to change prior to dividend posting.

AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
24 Month Jumbo CD Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
24 Month IRA
$0
3.30%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month CD/IRA
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

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.

St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
2 Year IRA Term Certificates
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 24-Month Special
$1,000
3.14%
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
2 Year CD
$500
3.10%
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month Term Certificate
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2 Year Certificate
$0
3.01%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Month CD
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2 Year Certificate
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 Month CD Premier5 Banking
$0
2.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24-Month CD/IRA Plus Spending
$0
2.58%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
24 MONTH Certificates of Deposit (CDs)
$500
2.50%
View
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
24 Month Share Certificate
$500
2.36%
View
▼
Rate2.34%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term
$0
2.34%
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
2-Year Business CD
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
24 Month CD
$500
2.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
24 Month Certificate of Deposit
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
2 Year CD
$0
1.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Month Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
24 Month Certificate
$500
1.28%
View
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2 Year UniStep CD
$500
1.25%
View
▼
Rate1.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2 Year Certificates of Deposit
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
24 Month Certificate
$500
0.65%
View
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share Certificates and IRA Certificates 2 Year
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
24 Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
24 Month Certificate
$500
0.40%
View
▼
Rate0.39%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
24 Month IRA Certificate
$0
0.35%
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate of Deposit
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24 month IRA Certificates
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Certificates of Deposit & IRA 24 month
$1,000
0.20%
View
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Roth IRA 24 Month Share Certificate
$500
0.10%
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
36 Month CD
$1,000
2.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3-Year Step-Up IRA Year - 3
$200
4.00%
View
▼
Rate3.93%
Min Deposit$200
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
36 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Rate Special

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share/IRA Certificates 3 Year
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36-Month Special Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 36 Month
$100,000
3.50%
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Year IRA Term Certificates
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Month Jumbo CD Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month Certificates of Deposit
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
36 Month Term Certificate
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36 Month CD
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
3 Year CD
$500
2.85%
View
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
36 Month Certificate of Deposit
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 month IRA
$500
2.75%
View
▼
Rate2.68%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 Month CD Premier5 Banking
$0
2.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36-Month CD/IRA Plus Spending
$0
2.58%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Year Certificate
$0
2.51%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UniBank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Year CD
$500
2.50%
View
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
36 Month Share Certificate
$500
2.41%
View
▼
Rate2.39%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Year Certificate
$1,000
2.35%
View
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Certificate of Deposit
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
36 MONTH Certificates of Deposit (CDs)
$500
2.00%
View
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Year Certificate of Deposit
$0
1.70%
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
36 Month Certificate
$500
1.69%
View
▼
Rate1.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
36 Month Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
36 Month CD/IRA
$500
1.15%
View
▼
Rate1.14%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

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.

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3 Year Certificates of Deposit
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Month CD
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
36 Month Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share Certificates and IRA Certificates 3 Year
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
36 Month Certificate
$500
0.55%
View
▼
Rate0.54%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
36 Month IRA Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 3 Year
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
UNITY 3 Year CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Certificates of Deposit & IRA 36 month
$1,000
0.25%
View
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Roth IRA 36 Month Share Certificate
$500
0.10%
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
48 Month CD
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4 year CD
$500
4.00%
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
48 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 48 Month
$100,000
3.50%
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
48 Month Jumbo CD Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
48 Month Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month Certificates of Deposit
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
48 Month Term Certificate
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 Month Certificates of Deposit
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month CD
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 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%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
4 Year CD
$500
2.85%
View
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Certificate of Deposit
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

New Valley Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificates of Deposit 48 Month
$0
2.75%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
48 Month Share Certificate
$500
2.44%
View
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4 Year Certificate
$1,000
2.40%
View
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48-Month CD/IRA Plus Spending
$0
2.38%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
48 Month CD Premier5 Banking
$0
2.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
48 Month Certificate
$500
2.05%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
48 MONTH Certificates of Deposit (CDs)
$500
2.00%
View
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
48 Month Certificates
$500
1.85%
View
▼
Rate1.84%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48-Month Certificate
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
4 Year Certificates of Deposit
$0
1.41%
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month CD/IRA
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
4 Year Certificate of Deposit
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share Certificates and IRA Certificates 4 Year
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

North Easton SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
48 Month CD
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
48 Month Certificate IRA
$500
0.65%
View
▼
Rate0.64%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
48 Month IRA Certificate
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Certificate of Deposit
$500
0.50%
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Colonial Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 4 Year
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48 Month CD
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Certificates of Deposit & IRA 48 month
$1,000
0.30%
View
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Roth IRA 48 Month Share Certificate
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
795 Main St, Williamstown, MA 01267
60 Month CD
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
5 year CD
$500
4.00%
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
60 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60-Month CD Special
$0
3.71%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Limited Time CD

St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 60 Month
$100,000
3.50%
View
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
5 Year Certificates of Deposit
$500
3.40%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
60 Month Jumbo CD Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
60 Month Term Certificate
$0
3.30%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
60 Month Certificates of Deposit
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 Month Certificates of Deposit
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60 Month CD
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
2.5 Year CD
$500
2.85%
View
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
60 Month Certificate of Deposit
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
60 Month Share Certificate
$500
2.50%
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Walpole Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Year Certificate
$1,000
2.45%
View
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
60 Month CD PrimaryPlus Banking
$0
2.43%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60-Month CD/IRA
$0
2.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
60 Month Certificate
$500
2.05%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
60 Month Certificate
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
5 Year Certificates of Deposit
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 Month Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month CD/IRA
$500
1.30%
View
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF.

Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year Certificate
$0
1.16%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Certificate of Deposit
$500
0.90%
View
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month Certificate
$500
0.75%
View
▼
Rate0.74%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
4 - 5 Year Statement Certificate of Deposit (CD)
$500
0.70%
View
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Alltrust Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 33.38%
60 Month IRA Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Main Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 mo. Certificates
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Certificate (CDs) / IRA 60 Month
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Certificates of Deposit & IRA 60 month
$1,000
0.40%
View
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 month Variable IRA Certificates
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Roth IRA 60 Month Share Certificate
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

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.

Top CD Rates from Williamstown, Massachusetts Institutions

Highest verified APYs available today — updated April 12, 2026

B Top 5 Bank Rates
MountainOne Bank
6 Month CD
A+ 5.0 ★ TX: 1.26%
Min: $1,000
3.00%
TD Bank
12 Month IRA Certificates
A 5.0 ★ TX: 6.30%
Min: $250
1.00%
Middlesex Federal Savings
IRA 18 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.50%
Min: $100
4.59%
USALLIANCE
18 Month Certificate
B 4.5 ★ TX: 21.07%
Min: $0
4.10%
Institution for Savings
12-MONTH CD
A+ 5.0 ★ TX: 0.11%
Min: $0
4.05%
CU Top 5 Credit Union Rates
River Works Credit Union
6 Month Certificate of Deposit
A 5.0 ★ TX: 7.57%
Min: $500
4.07%
Shrewsbury Federal Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 1.71%
Min: $0
4.02%
Members Plus Credit Union
5 year CD
A+ 5.0 ★ TX: 2.40%
Min: $500
4.00%
Millbury Federal Credit Union
3-Year Step-Up IRA Year - 3
A+ 5.0 ★ TX: 3.52%
Min: $200
4.00%
Leominster Employees Federal Credit Union
12 Month Share Certificates - Tier 1
A+ 5.0 ★ TX: 0.18%
Min: $1,000
4.00%
Rates verified April 12, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Williamstown, MA CD Rate Trends

Compare local Williamstown, 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.

View Full Massachusetts CD Trends →
12-Month CD — MA Avg
2.169%
▲ 0.161 vs 7 days ago

Massachusetts 12-month CD rates rose 0.161 points over the past 7 days to 2.169% APY.

6-Month CD — MA Avg
2.434%
▲ 0.467 vs 7 days ago

Massachusetts 6-month CD rates rose 0.467 points over the past 7 days to 2.434% APY.

As of Apr 12, 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 April 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MA 12-Month Avg APY
2.169%
6-Month Forecast
2.169%
Range: 1.97% – 2.32%
12-Month Forecast
1.919%
Range: 1.72% – 2.07%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Massachusetts average 12-month CD APY in our database.

Spread model: The Massachusetts 12-month CD average currently trades 2.21% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 2.063% $103.17 $206.33 $515.83 $1,031.65
6-Month CD 2.434% $121.71 $243.42 $608.55 $1,217.10
12-Month CD 2.169% $108.45 $216.89 $542.23 $1,084.45
18-Month CD 2.107% $105.37 $210.73 $526.83 $1,053.65
24-Month CD 2.222% $111.08 $222.15 $555.38 $1,110.75
36-Month CD 1.947% $97.35 $194.70 $486.75 $973.50
48-Month CD 1.780% $88.99 $177.98 $444.95 $889.90
60-Month CD 2.242% $112.10 $224.20 $560.50 $1,121.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026.

Sample CD Ladder for Williamstown, 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.

Build Your Ladder →
Rung Term Deposit MA Avg APY Annual Earnings
1 3-Month CD $5,000 2.063% $103.17
2 6-Month CD $5,000 2.434% $121.71
3 12-Month CD $5,000 2.169% $108.45
4 24-Month CD $5,000 2.222% $111.08
5 36-Month CD $5,000 1.947% $97.35
Total ($25,000 invested) $25,000 2.167% blended $541.76/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.

372
CD Rates Tracked
in Williamstown, Massachusetts
54 Banks 37 Credit Unions

About Our Williamstown, Massachusetts CD Rate Database

MonitorBankRates tracks 372 CD rates from 91 institutions in Williamstown, Massachusetts, including both local community banks and credit unions and national institutions with a presence in this area. 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: MountainOne Bank offers a CD at 3.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Williamstown, Massachusetts.

How to Find the Best CD Rates in Williamstown, Massachusetts

What to compare when shopping for a CD in Williamstown, Massachusetts

To find the best APYs in Williamstown, Massachusetts, start with credit unions and online-only banks — Williamstown, Massachusetts has 37 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 Williamstown, 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 Williamstown, Massachusetts — 91 institutions here report CD rates

Consider an Alternative If…

Williamstown, Massachusetts Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024

Population 65+
15.1%
National avg: 17.3%
Median Individual Earnings
$9,278
National avg: $47,340
Poverty Rate
18.0%
National avg: 11.1%
Unemployment Rate
1.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$20/yr
At MA 12-mo avg 2.169% APY

15.1% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 1.7% reflects a strong local economy. At today’s MA 12-month CD average of 2.169%, saving 10% of the local median salary ($927/year) and putting it in a CD would earn an additional $20 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 Williamstown, 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 Williamstown, Massachusetts

Are CD rates in Williamstown, Massachusetts FDIC insured?

Yes, most established banks in Williamstown, 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 Williamstown, 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 Williamstown, 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 Williamstown, 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 Williamstown, Massachusetts?

Here are recent top rates found for this area:
  • MountainOne Bank: 3.00% APY (6 Month CD)
  • TD Bank: 1.00% APY (12 Month IRA Certificates)
  • Middlesex Federal Savings: 4.59% APY (IRA 18 Month Variable Rate Certificate)
  • USALLIANCE: 4.10% APY (18 Month Certificate)
  • River Works Credit Union: 4.07% APY (6 Month Certificate of Deposit)
  • Institution for Savings: 4.05% APY (12-MONTH CD)
  • Walpole Co-operative Bank: 4.05% APY (6 Month Certificate)
  • Shrewsbury Federal Credit Union: 4.02% APY (6 Month Certificate)
  • Leader Bank: 4.00% APY (Homeowner CD 6-Month)
  • Millbury Federal Credit Union: 4.00% APY (3-Year Step-Up IRA Year - 3)
Rates reflect recent verified offers available in Williamstown, Massachusetts. Last Updated: April 12, 2026

CD Calculators for Williamstown, Massachusetts

Williamstown, Massachusetts CD Calculator

At today’s MA top rate of 3.00% APY, a $10,000 deposit earns $300 in the first year. Enter your amount to see your exact return.

Williamstown, Massachusetts CD Ladder

MA CD rates currently range from 2.063% (3-month) to 1.947% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Williamstown, Massachusetts CD at 3.00% 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 Savings

Massachusetts’s average 12-month CD is 2.169% 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

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Williamstown, Massachusetts directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Williamstown, Massachusetts. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 12, 2026

Williamstown, Massachusetts Rates & Resources

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