MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

CD Rates Woronoco, Massachusetts (MA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| 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 Woronoco, Massachusetts CD rates include Middlesex Federal SavingsMiddlesex Federal SavingsA+5.0 ★Texas Ratio: 0.50% offering IRA 18 Month Variable Rate Certificate at 4.59% APY, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 21.07% offering 18 Month Certificate at 4.10% APY, River Works Credit UnionRiver Works Credit UnionA5.0 ★Texas Ratio: 7.57% offering 6 Month Certificate of Deposit at 4.07% APY, Institution for SavingsInstitution for SavingsA+5.0 ★Texas Ratio: 0.11% offering 24-MONTH CD at 4.05% APY, and Walpole Co-operative BankWalpole Co-operative BankA+5.0 ★Texas Ratio: 2.48% offering 6 Month Certificate at 4.05% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Woronoco is a smaller community with no bank or credit union branches currently in our database. 311 institutions serving the Massachusetts area are available to Woronoco residents, with CD rates as high as 4.59% APY from Middlesex Federal Savings. 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 Woronoco, Massachusetts & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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

MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3 Month CD
$1,000
1.00%
View
▼
Rate—
Min Deposit$1,000
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
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

MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6 Month CD
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
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
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

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

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1-Year Business CD
$0
1.00%
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
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

MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
18 Month CD
$1,000
2.25%
View
▼
Rate—
Min Deposit$1,000
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

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

Relationship APY

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
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

Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
24 Month Certificate
$500
2.00%
View
▼
Rate1.98%
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
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

MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
36 Month CD
$1,000
2.25%
View
▼
Rate—
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
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

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
48 month IRA
$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 ★
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
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

MountainOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
60 Month CD
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
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.

Woronoco, MA CD Rate Trends

Compare local Woronoco, 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%
▼ 0.674 vs 7 days ago

Massachusetts 12-month CD rates fell 0.674 points over the past 7 days to 2.169% APY.

6-Month CD — MA Avg
2.434%
▼ 0.223 vs 7 days ago

Massachusetts 6-month CD rates fell 0.223 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

Frequently Asked Questions about CD Rates in Woronoco, Massachusetts

Are CD rates in Woronoco, Massachusetts FDIC insured?

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

Here are recent top rates found for this area:
  • 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 (24-MONTH CD)
  • Walpole Co-operative Bank: 4.05% APY (6 Month Certificate)
  • Shrewsbury Federal Credit Union: 4.02% APY (6 Month Certificate)
  • Members Plus Credit Union: 4.00% APY (4 year CD)
  • Leader Bank: 4.00% APY (24-Month CD)
  • Millbury Federal Credit Union: 4.00% APY (3-Year Step-Up IRA Year - 3)
  • Leominster Employees Federal Credit Union: 4.00% APY (12 Month Share Certificates - Tier 1)
Rates reflect recent verified offers available in Woronoco, Massachusetts. Last Updated: April 12, 2026

CD Calculators

CD Calculator
CD Ladder Calculator
Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Woronoco, 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 Woronoco, 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

Woronoco, Massachusetts Rates & Resources

$
Woronoco, Massachusetts Savings Rates
$
Woronoco, Massachusetts Mortgage Rates
$
Woronoco, Massachusetts Money Market Rates
$
Woronoco, Massachusetts Checking Rates
$
Woronoco, Massachusetts Auto Loan Rates
$
Woronoco, Massachusetts Personal Loan Rates