Best CD Rates in Massachusetts, MA

You are viewing rates from banks across Massachusetts

Below are the best one-year CD Rates from banks in Massachusetts. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

MA - August 4, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
North Shore Bank, a Co-operative Bank Merrimac Branch	4.50%	$1,000	-	Learn More Add Review
Salem Five Cents Savings Bank Stoneham Branch	4.50%	$500	-	Learn More
Rate History: 0.25% → 5.00% → 4.50%
DMuessig \| Jan 8, 2018 Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More Reviews (2)
Rockland Trust Company Osterville Branch	4.50%	$1,000	-	Learn More
Rate History: 5.00% → 4.50% → 5.00% → 4.50%
Sanshir \| Sep 14, 2023 Used them my whole life! Great little bank! Read More Reviews (3)
Dedham Institution for Savings Westwood Branch	4.50%	$1,000	-	Learn More Add Review
Northern Bank & Trust Company Northern Bank & Trust Company Branch	4.50%	$500	-	Learn More Add Review
Rate History: 5.30% → 4.50% → 4.75% → 4.50%
Everett Co-operative Bank Everett Co-Operative Bank Branch	4.50% 0.50%	$501 $500	-	Learn More Add Review
Rate History: 1.00% → 2.25% → 4.50%
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Colorado Federal Savings Bank	4.40%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.50% → 4.45% → 4.40% → 4.00% → 4.40%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Finworth, a division of InsBank	4.35%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.55% → 4.35% → 4.20% → 4.46% → 4.35%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Prime Alliance Bank	4.30%	$500	-	Learn More
Early Withdrawal Penalty is 30 days interest. Rate History: 4.75% → 4.50% → 4.45% → 4.25% → 4.30%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Bask Bank, a division of Texas Capital Bank	4.30%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.40% → 4.25% → 4.40% → 4.30%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
ableBanking, a division of Northeast Bank	4.25%	$500	-	Learn More Add Review
Rate History: 5.15% → 4.70% → 4.20% → 4.00% → 4.25%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
The National Grand Bank of Marblehead The National Grand Bank Of Marblehea Branch	4.25%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 4.00% → 4.13% → 4.25%
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Middlesex Savings Bank Framingham Branch	4.25%	$10	-	Learn More
Rate History: 5.00% → 4.75% → 4.05% → 4.25%
Stephen Clinton \| Jan 9, 2021 Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More Reviews (1)
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	4.25%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.00% → 4.35% → 4.30% → 4.25%
Rising Bank, a division of Midwest BankCentre	4.21%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 4.15% → 4.25% → 4.45% → 4.21%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Merrick Bank	4.20%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.35% → 4.25% → 4.05% → 4.35% → 4.20%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
First Internet Bank of Indiana	4.19%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.84% → 4.42% → 4.20% → 4.40% → 4.19%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
CFG Bank	4.15%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 4.25% → 4.15% → 4.00% → 4.15%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
Salem Five Direct	4.15%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.55% → 5.00% → 4.25% → 4.00% → 4.15%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Millbury National Bank Grafton Branch	4.11% 0.05%	$501 $500	-	Learn More Add Review
Rate History: 4.58% → 4.59% → 4.32% → 4.22% → 4.11%
Goldman Sachs Bank	4.10%	$500	-	Learn More Add Review
Rate History: 4.30% → 4.20% → 4.10% → 4.25% → 4.10%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.02% → 4.85% → 4.25% → 4.21% → 4.10%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
National Cooperative Bank	4.08%	$2,500	-	Learn More
Early Withdrawal Penalty is 3 months interest. Rate History: 5.18% → 5.02% → 5.18% → 4.30% → 4.08%
JC \| Jun 1, 2021 Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More Reviews (2)
Greenfield Savings Bank Conway Branch	4.07%	$10	-	Learn More Add Review
Rate History: 0.40% → 3.81% → 3.50% → 3.81% → 4.07%
Beal Bank USA Boston Branch	4.05%	$1,000	-	Learn More
Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	4.05%	$500	-	Learn More Add Review
Rate History: 4.25% → 5.10% → 4.75% → 4.50% → 4.05%
Canadian Imperial Bank USA	4.01%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days interest. Rate History: 4.56% → 4.43% → 4.31% → 4.21% → 4.01%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Capital One 360	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.50% → 4.20% → 4.00% → 4.10% → 4.00%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Discover Bank	4.00%	$2,500	-	Learn More Add Review
Rate History: 4.90% → 4.80% → 4.70% → 4.10% → 4.00%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
MainStreet Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.15% → 5.00% → 4.25% → 4.15% → 4.00%
M.Y. Safra Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.90% → 4.55% → 4.75%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.50% → 4.40% → 4.20% → 4.00%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One, National Association	4.00%	$0	-	Learn More
Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Santander Bank, N.A. Braintree Branch	4.00%	$500	-	Learn More
Rate History: 4.50% → 4.25% → 4.00%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Ivy Bank	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Amboy Direct	4.00%	$10,000	-	Learn More Add Review
Haverhill Bank West Main Street Branch	4.00%	$500	-	Learn More Add Review
Rate History: 3.53% → 4.75% → 4.50% → 4.25% → 4.00%
Charles River Bank Medway High School Branch	4.00%	$1,000	-	Learn More Add Review
Union Bank and Trust Company	4.00%	$1,000	-	Learn More
Rate History: 1.81% → 4.85% → 4.75% → 4.30% → 4.00%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Needham Bank Medfield Branch	4.00%	$1,000	-	Learn More
Shawn \| Feb 14, 2022 I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More Reviews (2)
Forbright Bank	4.00%	$1,000	-	Learn More
Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.40% → 4.30% → 4.10% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
BankGloucester Bankgloucester Branch	4.00%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.38% → 4.50% → 4.35% → 4.00%
Bank5 Connect	3.95%	$500	-	Learn More Add Review
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Bank Hometown Athol Branch	3.95%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 4.09% → 4.00% → 3.85% → 3.95%
Valley Direct, a division of Valley National Bank	3.90%	$500	-	Learn More Add Review
Rate History: 5.00% → 5.25% → 5.60% → 4.30% → 3.90%
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More
Bluestone Bank Bridgewater Savings Bank Branch	3.90%	$2,000	-	Learn More Add Review
Rate History: 4.75% → 4.25% → 4.00% → 3.85% → 3.90%
First Foundation Bank	3.90%	$2,500	-	Learn More
Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 1% of principal.
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Ally Bank	3.85%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 4.00% → 3.90% → 3.85%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Vio Bank, A Division of MidFirst Bank	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bank of Whittier, National Association	3.82%	$1,000	-	Learn More Add Review
TIAA Bank / Everbank	3.80%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 4.70% → 4.10% → 4.00% → 3.90% → 3.80%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
LendingClub Radius Bank Branch	3.75%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.40% → 4.10% → 4.00% → 3.75%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Salem Five Direct	3.75%	$500	-	Learn More Add Review
Rate History: 2.95% → 3.75%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
The Village Bank Waban Branch	3.75%	$20	-	Learn More
Rate History: 4.75% → 4.00% → 3.75% → 4.00% → 3.75%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Leader Bank, National Association Central Square Branch	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.25% → 4.96% → 5.00% → 4.40% → 3.75%
Northfield Bank	3.75%	$0	-	Learn More Add Review
Rate History: 1.25% → 2.00% → 1.25% → 4.25% → 3.75%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Blue Foundry Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 4.00% → 3.75%
Peak Bank	3.70%	$500	-	Learn More Add Review
Gary Smith \| Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More
IncredibleBank	3.55%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 5.17% → 5.00% → 4.08% → 4.06% → 3.55%
nonsense \| May 21, 2021 avoid this Read More
Cape Ann Savings Bank Granite Br Branch	3.55%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.33% → 4.07% → 3.55%
Hingham Institution for Savings Drive-In Branch	3.54%	$1,000	-	Learn More Add Review
Rate History: 3.85% → 3.64% → 3.54%
TD Bank, National Association Brewster Branch	3.51% 0.05%	$10,000 $10,001	-	Learn More
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 Months interest. Rate History: 5.60% → 5.30% → 4.75% → 4.00% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Citizens	3.50%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
WebBank	3.50%	$2,500	-	Learn More
Rate History: 1.10% → 3.50%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Primary Bank	3.50%	$1,000	-	Learn More
Early Withdrawal Penalty is all interest earned. Rate History: 4.00% → 4.25% → 4.00% → 3.50%
Jeffinnh \| Mar 30, 2021 These guys are the best local bank. Very responsive. Read More Reviews (8)
Santander Bank, N.A. Braintree Branch	3.50%	$501	-	Learn More
Rate History: 4.25% → 4.00% → 3.75% → 3.50%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Seamen's Bank A & P Plaza Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 2.25% → 2.75% → 3.75% → 3.50%
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 0.35% → 4.00% → 0.35% → 3.00% → 3.50%
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 3.25% → 3.00% → 2.50% → 3.50%
HarborOne Bank Sensata Business Center Branch	3.50%	$1,000	-	Learn More
Rate History: 4.35% → 3.25% → 3.90% → 3.80% → 3.50%
Jacob \| Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More Reviews (2)
Citizens Plymouth Stop & Shop Rt. 44 Branch	3.50%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Pentucket Bank Pentucket Bank Branch	3.40%	$500	-	Learn More Add Review
Rate History: 3.56% → 3.40%
Manufacturers and Traders Trust Company Plainville Branch	3.35%	$1,000	-	Learn More
Rate History: 3.75% → 4.50% → 4.00% → 3.50% → 3.35%
Claire blankinship \| Aug 5, 2020 I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. Read More Reviews (3)
American Express Bank, FSB	3.25%	$0	-	Learn More Add Review
Rate History: 3.85% → 3.60% → 3.85% → 3.50% → 3.25%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 3.75% → 4.25% → 4.10% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Dollar Savings Direct, a division of Emigrant Bank	3.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 3.50% → 3.25%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
Newburyport Five Cents Savings Bank Salisbury Branch	3.25%	$500	-	Learn More
Richard Cushing \| Mar 27, 2019 Still waiting for a call back from Liz over a long standing,annoying account problem Read More Reviews (1)
Bank of America, National Association Solomon Pond Mall Branch	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Bristol County Savings Bank East Freetown Branch	3.20%	$1,000	-	Learn More Add Review
Rate History: 3.82% → 3.72% → 3.46% → 3.25% → 3.20%
Webster Five Cents Savings Bank Oxford Branch	3.09%	$10	-	Learn More Add Review
Rate History: 2.31% → 4.14% → 3.61% → 3.35% → 3.09%
Citibank, National Association Harvard Square Financial Center Branch	3.00%	$0	-	Learn More
Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Reading Co-operative Bank Reading Memorial High School Branch	3.00%	$500	-	Learn More Add Review
Rate History: 0.15% → 3.00%
Marblehead Bank Marblehead Bank Branch	3.00%	$500	-	Learn More Add Review
Rate History: 0.15% → 4.25% → 3.75% → 3.00%
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Climate First Bank	2.91%	$500	-	Learn More
Rate History: 1.00% → 2.91%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Chesapeake Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 3.00% → 2.85% → 3.00% → 2.75%
ruler009 \| May 26, 2017 Before009 Read More
Avidia Bank Willows Branch	2.53%	$1,000	-	Learn More
Rate History: 4.29% → 3.82% → 3.67% → 3.05% → 2.53%
sur \| Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More Reviews (1)
South Shore Bank Columbian Square Branch	2.50%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 2.50% → 4.25% → 4.00% → 2.50%
City National Bank	2.48%	$10,000	-	Learn More Add Review
Rate History: 3.04% → 2.48%
UniBank for Savings Milford Branch	2.25% 1.00%	$501 $500	-	Learn More Add Review
Rate History: 1.00% → 2.25%
USAA Federal Savings Bank	2.05%	$1,000	-	Learn More
Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Bank of Montreal Harris	2.00%	$1,000	-	Learn More Add Review
Rate History: 0.05% → 2.00%
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
JPMorgan Chase Bank, National Association Boston Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Washington Savings Bank Washington Savings Bank Branch	2.00%	$500	-	Learn More Add Review
Rate History: 0.25% → 2.00%
Wells Fargo Bank, National Association Boston Abbot Downing Trust Office Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More Add Review
Rate History: 4.65% → 3.00% → 1.80%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Cape Cod Co-operative Bank North Falmouth Branch	1.80%	$500	-	Learn More Add Review
Rate History: 4.75% → 2.25% → 2.00% → 1.90% → 1.80%
Lee Bank Stockbridge Branch	1.75%	$500	-	Learn More Add Review
Rate History: 1.75% → 4.00% → 1.75%
TrustCo Bank Allendale Branch	1.50%	$500	-	Learn More
Rate History: 3.95% → 3.90% → 3.85% → 3.75% → 1.50%
Mark Fitzpatrick \| Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More Reviews (1)
Florence Bank Florence Bank Branch	1.49%	$500	-	Learn More Add Review
Bank of Easton South Easton Branch	1.15%	$500	-	Learn More Add Review
North Easton Savings Bank Mansfield Branch	1.15%	$500	-	Learn More
CS \| Sep 3, 2020 Went in to open accounts in Middleboro foy my husband and myself as well as one for my grandson. Without being invited into an office I was asked from across the room if I was opening accounts for the chi... Read More Reviews (2)
Hingham Savings	1.01%	$1,000	-	Learn More Add Review
Rate History: 1.65% → 1.01% → 4.15% → 1.01%
The Bank of Canton Randolph Branch	1.00%	$1,000	-	Learn More Add Review
Bay State Savings Bank Grafton Street Branch	1.00%	$1,000	-	Learn More Add Review
Dean Co-operative Bank Blackstone Branch	1.00%	$500	-	Learn More Add Review
Fall River Five Cents Savings Bank Fall River Five Cents Savings Bank Branch	1.00%	$500	-	Learn More Add Review
Rate History: 1.00% → 3.00% → 2.75% → 1.00%
Mechanics Cooperative Bank Taunton Branch	1.00%	$500	-	Learn More Add Review
Fidelity Co-operative Bank Paxton Branch	0.85%	$1,000	-	Learn More
Rate History: 0.80% → 0.85%
burtlaman@verizon.net \| Jun 13, 2016 I'm interested in your special sav send info Read More Reviews (1)
Rollstone Bank & Trust Harvard Branch	0.75%	$500	-	Learn More Add Review
OneLocal Bank Norwood Co-Operative Bank Branch	0.75%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 0.30% → 0.75%
OneLocal Bank	0.75%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 0.30% → 0.75%
Winchester Savings Bank Winchester Savings Bank Branch	0.70%	$10,000	-	Learn More Add Review
Savers Co-operative Bank Grafton Branch	0.66%	$500	-	Learn More Add Review
Rate History: 1.02% → 0.66%
Main Street Bank Main Street Bank Branch	0.50%	$10,000	-	Learn More Add Review
Cambridge Savings Bank Newton Centre Branch	0.50%	$10,000	-	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
Cornerstone Bank Fair Plaza Branch	0.50%	$10,000	-	Learn More Add Review
Enterprise Bank and Trust Company Tewksbury Branch	0.50%	$10,000	-	Learn More Add Review
NorthEast Community Bank Northeast Community Bank Branch	0.50%	$1,000	-	Learn More Add Review
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	0.50%	$500	-	Learn More
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
Coastal Heritage Bank Kingston Branch	0.50%	$10,000	-	Learn More Add Review
Salem Co-operative Bank 284 Merrimack Street Branch	0.50%	$10,000	-	Learn More Add Review
The Provident Bank The Provident Bank Branch	0.45%	$500	-	Learn More Add Review
MountainOne Bank Mountainone Bank Branch	0.45%	$10,000	-	Learn More Add Review
Milford Federal Bank Route 109 Plaza Branch	0.45%	$10,000	-	Learn More
cfcbjm \| Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More Reviews (1)
MutualOne Bank Lincoln Street Branch	0.45%	$500	-	Learn More
Rate History: 0.45% → 2.02% → 0.45%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Adams Community Bank Park Street Branch	0.40%	$10	-	Learn More Add Review
Canton Co-operative Bank Canton Co-Operative Bank Branch	0.40%	$10,000	-	Learn More Add Review
NBT Bank, National Association Lee Branch	0.40%	$10,000	-	Learn More Add Review
Country Bank for Savings Brimfield Branch	0.40%	$500	-	Learn More Add Review
Rate History: 0.40% → 3.56% → 3.82% → 1.00% → 0.40%
Athol Savings Bank Barre Branch	0.40%	$500	-	Learn More Add Review
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	0.40%	$500	-	Learn More Add Review
Rate History: 4.25% → 0.40%
Winter Hill Bank, FSB Cutter Avenue Branch	0.40%	$10,000	-	Learn More Add Review
The Cooperative Bank The Cooperative Bank Branch	0.40%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.75% → 0.40%
The Pittsfield Co-operative Bank Dalton Branch	0.35%	$10,000	-	Learn More Add Review
Eagle Bank Eagle Bank Branch	0.35%	$500	-	Learn More Add Review
Rate History: 0.30% → 0.35%
BayCoast Bank Somerset Branch	0.35%	$10	-	Learn More Add Review
Rate History: 0.30% → 0.35%
Colonial Federal Savings Bank Holbrook Branch	0.35%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.35%
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Brookline Bank Needham Heights Branch	0.30%	$10,000	-	Learn More
Bill Quinn \| Feb 21, 2015 Interesting. Is there an approximate Texas ratio for a bank at which other banks may become very interested in an acquisition. Read More Reviews (1)
Commonwealth Co-operative Bank Boston Branch	0.30%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.30%
Greenfield Co-operative Bank Northampton Branch	0.30%	$10,000	-	Learn More Add Review
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	0.30%	$1,000	-	Learn More Add Review
Wrentham Co-operative Bank Wrentham Co-Operative Bank Branch	0.30%	$500	-	Learn More Add Review
Cathay Bank Boston Branch	0.30%	$50,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
North Brookfield Savings Bank North Brookfield Savings Bank Branch	0.25%	$25	-	Learn More
Incompetent and dishonest \| Apr 21, 2020 Expect to not have e-mails responded to properly or phone calls returned. this is the type of institution that you will be dealing with if you go here Read More Reviews (1)
Bank of New England Haverhill Branch	0.25%	$10,000	-	Learn More Add Review
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	0.25%	$500	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Webster Bank, National Association New Bedford Branch	0.20%	$10,000	-	Learn More Add Review
Clinton Savings Bank Sterling Branch	0.20%	$10	-	Learn More Add Review
The Savings Bank Main Street Branch	0.20%	$1,000	-	Learn More Add Review
PeoplesBank Hampden Street Branch	0.15%	$1,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
Berkshire Bank Agawam Branch	0.15%	$10,000	-	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
Monson Savings Bank Hampden Branch	0.15%	$1,000	-	Learn More Add Review
Easthampton Savings Bank Westfield Branch	0.15%	$1,000	-	Learn More Add Review
Westfield Bank Agawam Branch	0.10%	$1,000	-	Learn More Add Review
Eastern Bank Kendall Square Branch	0.10%	$10,000	-	Learn More
marcus \| Nov 1, 2021 worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More Reviews (1)
Community Bank, National Association Springfield, Ma Branch	0.10%	$100,000	-	Learn More Add Review
Watertown Savings Bank Arlington Branch	0.10%	$10,000	-	Learn More
Denyse DuBrucq \| Jan 1, 2016 I very much prefer banking here. Everyone is so friendly and know who is calling by voice. Your help getting me through this year where I did as much as possible to launch my business, CryoRain Inc., is ... Read More Reviews (1)
The Cape Cod Five Cents Savings Bank Falmouth Branch	0.10%	$1,000	-	Learn More
Rate History: 1.00% → 0.10%
John Darretta \| Nov 13, 2019 My favorite bank in South Dennis MA. There are always sufficient enough staff so that there is never a long waiting line. And the staff is always pleasant and efficient. Read More Reviews (2)
OceanFirst Bank, National Association	0.10%	$500	-	Learn More Add Review
KeyBank National Association College Highway Branch	0.05%	$2,500	-	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
Community Bank, National Association Springfield, Ma Branch	0.05%	$10,000	-	Learn More Add Review
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
OneWest Bank, a division of First-Citizens Bank and Trust	0.01%	$500	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
North Shore Bank, a Co-operative Bank Merrimac Branch	1 West Main Street	Merrimac	MA
Salem Five Cents Savings Bank Stoneham Branch	88 Main Street	Stoneham	MA
Rockland Trust Company Osterville Branch	57 West Bay Road	Osterville	MA
Dedham Institution for Savings Westwood Branch	673 High Street	Westwood	MA
Northern Bank & Trust Company Northern Bank & Trust Company Branch	89 Elm Street	Woburn	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
The National Grand Bank of Marblehead The National Grand Bank Of Marblehea Branch	91 Pleasant Street	Marblehead	MA
Middlesex Savings Bank Framingham Branch	899 Edgell Road	Framingham	MA
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	982 Main Street	Walpole	MA
Millbury National Bank Grafton Branch	43 Main Street	South Grafton	MA
Greenfield Savings Bank Conway Branch	Parsons Road And Route 116	Conway	MA
Beal Bank USA Boston Branch	161 Linden Street, Ssuite 105	Wellesley	MA
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	19 Church Street	Winchester	MA
Santander Bank, N.A. Braintree Branch	30 Forbes Road	Braintree	MA
Haverhill Bank West Main Street Branch	6 Main Street	Merrimac	MA
Charles River Bank Medway High School Branch	88 Summer Street	Medway	MA
Needham Bank Medfield Branch	520 Main Street	Medfield	MA
BankGloucester Bankgloucester Branch	160 Main Street	Gloucester	MA
Bankhometown Athol Branch	90 Exchange St	Athol	MA
Bluestone Bank Bridgewater Savings Bank Branch	756 Orchard Street	Raynham	MA
LendingClub Radius Bank Branch	1 Harbor St, Ste 102	Boston	MA
The Village Bank Waban Branch	89 Wyman Street	Waban	MA
Leader Bank, National Association Central Square Branch	675 Massachusetts Avenue	Cambridge	MA
Cape Ann Savings Bank Granite Br Branch	247 Main Street	Rockport	MA
Hingham Institution for Savings Drive-In Branch	71 Main Street	Hingham	MA
TD Bank, National Association Brewster Branch	Route 6a And Underpass Road	Brewster	MA
Santander Bank, N.A. Braintree Branch	30 Forbes Road	Braintree	MA
Seamen's Bank A & P Plaza Branch	56 Shank Painter Road	Provincetown	MA
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	80 Montvale Avenue	Stoneham	MA
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	243 Broadway	Methuen	MA
HarborOne Bank Sensata Business Center Branch	529 Pleasant Street	Attleboro	MA
Citizens Plymouth Stop & Shop Rt. 44 Branch	129 Samoset St Ste 1	Plymouth	MA
Pentucket Bank Pentucket Bank Branch	One Merrimack Street	Haverhill	MA
Manufacturers and Traders Trust Company Plainville Branch	72a Taunton Street	Plainville	MA
Newburyport Five Cents Savings Bank Salisbury Branch	Merrill Street And Route 110	Salisbury	MA
Bank of America, National Association Solomon Pond Mall Branch	601 Donald J. Lynch Boulevard	Marlborough	MA
Bristol County Savings Bank East Freetown Branch	One Chace Road	East Freetown	MA
Webster Five Cents Savings Bank Oxford Branch	343 Main Street	Oxford	MA
Citibank, National Association Harvard Square Financial Center Branch	One Brattle Street	Cambridge	MA
Reading Co-operative Bank Reading Memorial High School Branch	62 Oakland Road	Reading	MA
Marblehead Bank Marblehead Bank Branch	21 Atlantic Avenue	Marblehead	MA
Avidia Bank Willows Branch	One Lyman Street	Westborough	MA
South Shore Bank Columbian Square Branch	88 Pleasant Street	South Weymouth	MA
UniBank for Savings Milford Branch	91 Prospect Street	Milford	MA
JPMorgan Chase Bank, National Association Boston Branch	50 Rowes Wharf, Floor 4	Boston	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
Wells Fargo Bank, National Association Boston Abbot Downing Trust Office Branch	200 Berkeley Street	Boston	MA
Cape Cod Co-operative Bank North Falmouth Branch	660 N Falmouth Hwy	North Falmouth	MA
Lee Bank Stockbridge Branch	Elm Street	Stockbridge	MA
TrustCo Bank Allendale Branch	5 Cheshire Rd, Suite 18	Pittsfield	MA
Florence Bank Florence Bank Branch	85 Main Street	Florence	MA
Bank of Easton South Easton Branch	12 Robert Drive	South Easton	MA
North Easton Savings Bank Mansfield Branch	71 Copeland Drive	Mansfield	MA
The Bank of Canton Randolph Branch	67 North Main Street	Randolph	MA
Bay State Savings Bank Grafton Street Branch	799 Grafton Streeet	Worcester	MA
UniBank for Savings Milford Branch	91 Prospect Street	Milford	MA
Dean Co-operative Bank Blackstone Branch	8 Main Street	Blackstone	MA
Fall River Five Cents Savings Bank Fall River Five Cents Savings Bank Branch	79 North Main Street	Fall River	MA
Mechanics Cooperative Bank Taunton Branch	75 County Street	Taunton	MA
Fidelity Co-operative Bank Paxton Branch	713 Pleasant Street	Paxton	MA
Rollstone Bank & Trust Harvard Branch	Route 110 And Old Mill Road	Harvard	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Winchester Savings Bank Winchester Savings Bank Branch	661 Main Street	Winchester	MA
Savers Co-operative Bank Grafton Branch	96 Worcester Street	North Grafton	MA
Main Street Bank Main Street Bank Branch	81 Granger Boulevard	Marlborough	MA
Cambridge Savings Bank Newton Centre Branch	739 Beacon Street	Newton Center	MA
Cornerstone Bank Fair Plaza Branch	Fair Shopping Center, Route 9	Spencer	MA
Enterprise Bank and Trust Company Tewksbury Branch	910 Andover Street	Tewksbury	MA
NorthEast Community Bank Northeast Community Bank Branch	8 North Park Avenue	Plymouth	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	Storey Avenue And Woodmen Way	Newburyport	MA
Coastal Heritage Bank Kingston Branch	83 Summer Street	Kingston	MA
Salem Co-operative Bank 284 Merrimack Street Branch	284 Merrimack Street	Methuen	MA
BankProv The Provident Bank Branch	Five Market Street	Amesbury	MA
MountainOne Bank Mountainone Bank Branch	93 Main Street	North Adams	MA
Milford Federal Bank Route 109 Plaza Branch	91 Medway Road	Milford	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Adams Community Bank Park Street Branch	93 Park Street	Adams	MA
Canton Co-operative Bank Canton Co-Operative Bank Branch	671 Washington Street	Canton	MA
NBT Bank, National Association Lee Branch	76 Park Street	Lee	MA
Country Bank for Savings Brimfield Branch	9 Main Street (South Side)	Brimfield	MA
Athol Savings Bank Barre Branch	560 Summer Street	Barre	MA
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	1196 Broadway	Somerville	MA
Winter Hill Bank, FSB Cutter Avenue Branch	5 Cutter Avenue	Somerville	MA
The Cooperative Bank The Cooperative Bank Branch	40 Belgrade Avenue	Roslindale	MA
The Pittsfield Co-operative Bank Dalton Branch	431 Main Street	Dalton	MA
Eagle Bank Eagle Bank Branch	471 Salem Street	Medford	MA
BayCoast Bank Somerset Branch	Route 6 And Brayton Point Road	Somerset	MA
Colonial Federal Savings Bank Holbrook Branch	819 South Franklin Street	Holbrook	MA
Brookline Bank Needham Heights Branch	902 Highland Ave	Needham	MA
Commonwealth Co-operative Bank Boston Branch	25 Court Street	Boston	MA
Greenfield Co-operative Bank Northampton Branch	67 King Street	Northampton	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Wrentham Co-operative Bank Wrentham Co-Operative Bank Branch	102 South Street	Wrentham	MA
Cathay Bank Boston Branch	621 Washington Street	Boston	MA
North Brookfield Savings Bank North Brookfield Savings Bank Branch	9 Gilbert Street	North Brookfield	MA
Bank of New England Haverhill Branch	37 Emerson Street	Haverhill	MA
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	950 Park Street	Stoughton	MA
Webster Bank, National Association New Bedford Branch	975 Ashley Boulevard	New Bedford	MA
Clinton Savings Bank Sterling Branch	One Main Street	Sterling	MA
The Savings Bank Main Street Branch	907 Main Street	Wakefield	MA
PeoplesBank Hampden Street Branch	825 Hampden Street	Holyoke	MA
Berkshire Bank Agawam Branch	820 Suffield Strret	Agawam	MA
Monson Savings Bank Hampden Branch	15 Somers Road	Hampden	MA
Bankesb Westfield Branch	85 Broad Street	Westfield	MA
Westfield Bank Agawam Branch	655 Main Street	Agawam	MA
Eastern Bank Kendall Square Branch	One Broadway	Cambridge	MA
Community Bank, National Association Springfield, Ma Branch	1500 Main Street	Springfield	MA
Watertown Savings Bank Arlington Branch	980 Massachusetts Avenue	Arlington	MA
The Cape Cod Five Cents Savings Bank Falmouth Branch	668 Main Street	Falmouth	MA
KeyBank National Association College Highway Branch	664 College Highway	Southwick	MA
Millbury National Bank Grafton Branch	43 Main Street	South Grafton	MA
TD Bank, National Association Brewster Branch	Route 6a And Underpass Road	Brewster	MA
Community Bank, National Association Springfield, Ma Branch	1500 Main Street	Springfield	MA

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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Massachusetts CD Rates

Branches Info around zip 10116

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

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CD Products by City in Massachusetts

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