Massachusetts

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Gardner, Massachusetts CD Rates – 3-Month

You are viewing rates from banks across Gardner





Below are the best three-month CD Rates from banks in Gardner, Massachusetts . Three-month CD rates are generally the shortest term offered by banks and come with the lowest interest rates. You may want to consider opening a 3-month CD if they the rates are comparable to a savings and money market account, you don’t need the money for the time period, and you feel that savings rates will drop.

Gardner, MA - August 1, 2025

CD National Average : 2.21% ?

Banks APY MIN MILES ?

Rate History: 4.86% → 0.50% → 2.50% → 0.50% → 3.30%

| 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

| May 11, 2023

They made mistakes twice and would not correct them Read More

Rate History: 1.00% → 0.70% → 0.75%

| Jun 13, 2016

I'm interested in your special sav send info Read More

Rate History: 1.00% → 0.50%

| 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

Rate History: 1.00% → 0.15%

Rate History: 1.00% → 0.10%

Rate History: 1.00% → 0.05%

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 Gardner, MA - August 1, 2025


Branch Street City State
Avidia Bank
Leominster Branch
470 Lancaster Street Leominster MA
Santander Bank, N.A.
Spencer Branch
13 Pleasant Street Spencer MA
Fidelity Co-operative Bank
Barre Main Off Branch
56 Common St Barre MA
Bay State Savings Bank
Mill Street Branch
275 Mill Street Worcester MA
Athol Savings Bank
Main Street Branch
388 Main Street Athol MA
Clinton Savings Bank
West Boylston Branch
306 West Boylston Street West Boylston MA
Bankhometown
Athol Branch
90 Exchange St Athol MA


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PRODUCT INFORMATION

3 Month Branch Certificates of Deposit 2025

3 Month Certificates of Deposit offered by local banks are often the shortest term offered. Three month certificates of deposit rates underperform the returns on savings and money market accounts and have for some time. As a result, savers may find savings and money market accounts to offer a higher yield and more flexibility than a three year CD.

Any certificate of deposit will bear substantial penalties for early withdrawal, if it is even allowed. As a result of the penalty, depositors who might need to withdraw from short term CDs early will ordinary lose some of their principal. Under no circumstances should depositors open a 3 month CD if they think that there is any chance that they will need to access the money in less than 3 months.

While online banks often offer better rates on short term CDs, local banks are provide the convenience of walking into a branch to open a CD, deposit funds, or withdraw the CD when it matures. In addition, a CD is often an entree into a broader relationship with a financial institution which may become important if the depositor wishes to borrow money.

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.

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