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You are viewing rates from banks across Gloucester
Below are the best three-month CD Rates from banks in Gloucester, 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.
Gloucester, MA - October 30, 2025
CD National Average : 2.24% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.25% |
$25,000 |
- |
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3 Month CD. |
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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 |
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3.70% |
$250 |
24.81 |
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Rate History: 4.00% → 3.70% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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3.50% |
$1,000 |
13.75 |
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Rate History: 1.00% → 0.05% → 3.50% |
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3.29% |
$2,500 |
21.08 |
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Rate History: 1.00% → 3.29% |
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Richard Cushing | Mar 27, 2019 Still waiting for a call back from Liz over a long standing,annoying account problem Read More |
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3.00% |
$500 |
12.08 |
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Rate History: 1.00% → 3.51% → 3.00% |
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3.00% |
$500 |
20.45 |
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Rate History: 3.25% → 3.00% |
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Maggie | May 11, 2023 They made mistakes twice and would not correct them Read More |
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0.25% |
$500 |
17.78 |
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Rate History: 1.00% → 0.25% |
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Karen nicoli | Jan 23, 2017 2.50 Read More |
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0.20% |
$1,000 |
- |
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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 |
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0.10% |
$500 |
22.65 |
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Rate History: 1.00% → 0.10% |
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| Branch | Street | City | State |
|---|---|---|---|
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TD Bank, National Association Chelsea Branch |
457 Broadway | Chelsea | MA |
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The National Grand Bank of Marblehead Marblehead High School Branch |
2 Humphrey Street | Marblehead | MA |
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Newburyport Five Cents Savings Bank Amesbury Branch |
40 Friend Street | Amesbury | MA |
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Marblehead Bank Cummings Center Branch |
100 Cummings Center Suite 101-F | Beverly | MA |
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Santander Bank, N.A. Saugus Branch |
323 Broadway | Saugus | MA |
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Institution for Savings in Newburyport and Its Vicinity Middleton Office Branch |
161 South Main Street | Middleton | MA |
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Haverhill Bank Whitter Voc Tech High School Office Branch |
115 Amesbury Line Road | Haverhill | MA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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