Best 2-Year CD Rates in Woburn, Massachusetts, MA

You are viewing rates from banks across Woburn

Below are two-year Certificates of Deposit (CD) rates from banks in Woburn, Massachusetts. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Woburn, MA - October 30, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Salem Five Cents Savings Bank Sudbury Branch	4.25%	$500	16.32	Learn More
Rate History: 0.25% → 4.50% → 4.25%
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)
Everett Co-operative Bank Everett Co-Operative Bank Branch	4.25% 1.00%	$501 $500	7.42	Learn More Add Review
Rate History: 2.25% → 5.00% → 4.75% → 4.50% → 4.25%
Sallie Mae Bank	4.00%	$2,500	-	Learn More
Rate History: 4.05% → 3.75% → 4.00% → 4.10% → 4.00%
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)
Middlesex Savings Bank Boxborough Branch	4.00%	$10	19.04	Learn More
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)
Northern Bank & Trust Company Littleton Branch	4.00%	$500	16.67	Learn More Add Review
Rate History: 0.60% → 0.55% → 4.00%
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	4.00%	$500	2.33	Learn More Add Review
Rate History: 4.25% → 4.50% → 4.25% → 4.00%
Pentucket Bank Lowell Avenue Branch	3.90%	$500	20.20	Learn More Add Review
Rate History: 4.05% → 3.90%
TotalDirect, a division of City National Bank of Florida	3.75%	$25,000	-	Learn More Add Review
Rate History: 4.00% → 4.00% → 4.21% → 4.00% → 3.75%
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
Popular Direct	3.70%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 3.95% → 3.90% → 3.80% → 3.70%
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
Needham Bank Ashland Branch	3.65%	$1,000	22.66	Learn More
Rate History: 3.50% → 3.65%
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)
LendingClub Radius Bank Branch	3.50%	$2,500	11.44	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.50%
jaydub \| Aug 18, 2025 Sophomoric as hell. I opened a LevelUp account for the 4.40% rate (now 4.20%). Rate requires automatic $250 deposit each month which I made, but I now realized that I never got that rate. Customer servic... Read More Reviews (22)
Citizens	3.50%	$5,000	-	Learn More Add Review
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
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.50% → 3.75% → 3.50%
2 Months with Vio Bank \| Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More
The National Grand Bank of Marblehead Marblehead High School Branch	3.50%	$1,000	14.90	Learn More Add Review
The Village Bank Wayland Branch	3.50%	$20	12.93	Learn More
Rate History: 3.75% → 4.25% → 3.50% → 3.25% → 3.50%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Haverhill Bank Haverhill High Office Branch	3.50%	$500	21.01	Learn More Add Review
Rate History: 1.01% → 3.75% → 3.50%
North Shore Bank, a Co-operative Bank Lynn Fells Parkway Branch	3.50%	$1,000	6.93	Learn More Add Review
HarborOne Bank Canton Branch	3.50%	$1,000	23.90	Learn More
Rate History: 3.50% → 4.00% → 3.75% → 3.60% → 3.50%
Jacob \| Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More Reviews (2)
Beal Bank USA Boston Branch	3.45%	$1,000	14.80	Learn More
Rate History: 4.30% → 4.20% → 4.15% → 3.45%
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)
StonehamBank, A Co-operative Bank Billerica Branch	3.25%	$1,000	7.43	Learn More Add Review
Rate History: 3.75% → 3.50% → 4.00% → 3.50% → 3.25%
Reading Co-operative Bank Burlington Office Branch	3.00%	$500	1.91	Learn More Add Review
Rate History: 3.75% → 3.00%
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	2.75%	$1,000	16.77	Learn More Add Review
Rate History: 1.75% → 2.00% → 2.75%
South Shore Bank Stoughton Branch	2.50%	$1,000	23.41	Learn More Add Review
Rate History: 2.00% → 4.00% → 3.75% → 2.00% → 2.50%
The Bank of Canton Washington St Branch	2.00%	$1,000	22.92	Learn More Add Review
Leader Bank, National Association Burlington Branch	2.00%	$1,000	2.97	Learn More Add Review
Rate History: 1.00% → 2.00%
JPMorgan Chase Bank, National Association Boston Branch	2.00%	$10,000	10.41	Learn More
Rate History: 3.00% → 2.50% → 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)
Hingham Institution for Savings Boston Branch	1.75%	$1,000	10.60	Learn More Add Review
MutualOne Bank Lincoln Street Branch	1.75%	$500	18.88	Learn More
Rate History: 1.75% → 1.31% → 1.75%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
OneLocal Bank Norwood Co-Operative Bank Branch	1.26%	$1,000	20.50	Learn More Add Review
Rate History: 1.26% → 1.50% → 1.26%
Canton Co-operative Bank Canton Co-Operative Bank Branch	0.90%	$10,000	22.72	Learn More Add Review
Cambridge Savings Bank Acton Branch	0.75%	$10,000	13.97	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
Salem Co-operative Bank 284 Merrimack Street Branch	0.75%	$10,000	17.75	Learn More Add Review
Winchester Savings Bank Woburn Branch	0.70%	$10,000	1.80	Learn More Add Review
Coastal Heritage Bank Equitable Co-Operative Bk Br Branch	0.70%	$10,000	10.30	Learn More Add Review
MountainOne Bank Quincy Branch	0.65%	$10,000	18.13	Learn More Add Review
Main Street Bank Littleton Branch	0.65%	$10,000	16.42	Learn More Add Review
Winter Hill Bank, FSB Cutter Avenue Branch	0.60%	$10,000	6.45	Learn More Add Review
NorthEast Community Bank Framingham Branch Office Branch	0.60%	$1,000	19.58	Learn More Add Review
Bank of New England Methuen Branch	0.55%	$10,000	17.17	Learn More Add Review
Brookline Bank Wellesley Hills Branch	0.50%	$10,000	14.34	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 Commonwealth Co-Operative Bank Branch	0.50%	$1,000	15.87	Learn More Add Review
Rate History: 1.00% → 0.50%
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	0.50%	$500	5.71	Learn More Add Review
Rate History: 2.75% → 0.50%
Washington Savings Bank Washington Savings Bank Branch	0.50%	$500	13.68	Learn More Add Review
Rate History: 0.40% → 0.50%
Institution for Savings in Newburyport and Its Vicinity Middleton Office Branch	0.50%	$500	10.28	Learn More
Rate History: 0.75% → 2.50% → 2.25% → 0.75% → 0.50%
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
Citibank, National Association Wellesley Center Branch	0.50%	$0	15.14	Learn More
Rate History: 2.00% → 0.50%
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)
Colonial Federal Savings Bank Colonial Federal Savings Bank Branch	0.45%	$1,000	16.59	Learn More Add Review
Rate History: 1.00% → 0.45%
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$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
Cathay Bank Boston Branch	0.40%	$50,000	10.26	Learn More Add Review
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	0.40%	$1,000	7.02	Learn More Add Review
Eagle Bank Lexington Center Branch	0.35%	$500	4.75	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.58% → 0.35%
OneUnited Bank Roxbury Branch	0.30%	$1,000	11.28	Learn More Add Review
The Savings Bank Methuen Branch	0.30%	$1,000	15.50	Learn More Add Review
Rate History: 0.30% → 0.35% → 0.30%
Santander Bank, N.A. Ashland Branch	0.25%	$501	22.67	Learn More
Rate History: 2.00% → 0.25%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Marblehead Bank Cummings Center Branch	0.25%	$500	14.96	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
Jeff Talmage \| Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More
Eastern Bank Westford Branch	0.15%	$10,000	15.63	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)
Watertown Savings Bank Lexington Branch	0.10%	$10,000	5.61	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)
Webster Bank, National Association Stoughton Branch	0.01%	$500	24.84	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 Woburn, MA - October 30, 2025

Branch	Street	City	State
Salem Five Cents Savings Bank Sudbury Branch	19 Concord Road	Sudbury	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Middlesex Savings Bank Boxborough Branch	629 Massachusetts Avenue	Boxborough	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	19 Church Street	Winchester	MA
Pentucket Bank Lowell Avenue Branch	395 Lowell Avenue	Haverhill	MA
Needham Bank Ashland Branch	41 Front Street	Ashland	MA
LendingClub Radius Bank Branch	1 Harbor St, Ste 102	Boston	MA
The National Grand Bank of Marblehead Marblehead High School Branch	2 Humphrey Street	Marblehead	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
Haverhill Bank Haverhill High Office Branch	137 Monument Ave.	Haverhill	MA
North Shore Bank, a Co-operative Bank Lynn Fells Parkway Branch	412 Lynn Fells Parkway	Saugus	MA
HarborOne Bank Canton Branch	95 Washington Street	Canton	MA
Beal Bank USA Boston Branch	161 Linden Street, Ssuite 105	Wellesley	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
Reading Co-operative Bank Burlington Office Branch	10 Wall Street	Burlington	MA
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	243 Broadway	Methuen	MA
South Shore Bank Stoughton Branch	1538 Turnpike Street	Stoughton	MA
The Bank of Canton Washington St Branch	557 Washington Street	Canton	MA
Leader Bank, National Association Burlington Branch	50 Mall Rd	Burlington	MA
JPMorgan Chase Bank, National Association Boston Branch	50 Rowes Wharf, Floor 4	Boston	MA
Hingham Institution for Savings Boston Branch	540 Tremont Street	Boston	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Canton Co-operative Bank Canton Co-Operative Bank Branch	671 Washington Street	Canton	MA
Cambridge Savings Bank Acton Branch	145 Great Road	Acton	MA
Salem Co-operative Bank 284 Merrimack Street Branch	284 Merrimack Street	Methuen	MA
Winchester Savings Bank Woburn Branch	344 Cambridge Road	Woburn	MA
Coastal Heritage Bank Equitable Co-Operative Bk Br Branch	400 Broadway	Lynn	MA
MountainOne Bank Quincy Branch	77 Granite Street	Quincy	MA
Main Street Bank Littleton Branch	220 Great Road	Littleton	MA
Winter Hill Bank, FSB Cutter Avenue Branch	5 Cutter Avenue	Somerville	MA
NorthEast Community Bank Framingham Branch Office Branch	35 Edgell Road	Framingham	MA
Bank of New England Methuen Branch	3 Cross Street	Methuen	MA
Beacon Bank and Trust Wellesley Hills Branch	448 Washington St	Wellesley	MA
Commonwealth Co-operative Bank Commonwealth Co-Operative Bank Branch	1172 River St	Hyde Park	MA
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	1196 Broadway	Somerville	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
Institution for Savings in Newburyport and Its Vicinity Middleton Office Branch	161 South Main Street	Middleton	MA
Citibank, National Association Wellesley Center Branch	84 Central Street	Wellesley	MA
Colonial Federal Savings Bank Colonial Federal Savings Bank Branch	15 Beach Street	Quincy	MA
Cathay Bank Boston Branch	621 Washington Street	Boston	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
OneUnited Bank Roxbury Branch	2343 Washington Street	Boston	MA
The Savings Bank Methuen Branch	17 Burnham Road	Methuen	MA
Santander Bank, N.A. Ashland Branch	12 Front Street	Ashland	MA
Marblehead Bank Cummings Center Branch	100 Cummings Center Suite 101-F	Beverly	MA
Eastern Bank Westford Branch	203 Littleton Road	Westford	MA
Watertown Savings Bank Lexington Branch	1075 Waltham Street	Lexington	MA
Webster Bank, National Association Stoughton Branch	700 Washington Street	Stoughton	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

Two Year CDs - Branch Banks 2025

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Massachusetts

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Woburn, Massachusetts CD Rates – 2-Year

Branches Info around Woburn, MA - October 30, 2025

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Massachusetts

Download a Free eBook