Best 3-Year CD Rates in Massachusetts, MA

You are viewing rates from banks across Massachusetts

Below are three-year CD Rates from banks in Massachusetts. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

MA - August 4, 2025

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%
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
Prime Alliance Bank	4.15%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 4.00% → 3.75% → 4.00% → 4.15%
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)
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 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
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.56% → 4.16% → 4.00%
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
Middlesex Savings Bank Framingham Branch	4.00%	$10	-	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)
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	4.00%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 4.25% → 4.00%
Everett Co-operative Bank Everett Co-Operative Bank Branch	4.00% 1.50%	$501 $500	-	Learn More Add Review
Rate History: 1.00% → 4.25% → 4.00%
Newburyport Five Cents Savings Bank Salisbury Branch	4.00% 3.25%	$25,000 $500	-	Learn More
Rate History: 1.00% → 4.00% → 3.25% → 4.00%
Richard Cushing \| Mar 27, 2019 Still waiting for a call back from Liz over a long standing,annoying account problem Read More Reviews (1)
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	4.00%	$500	-	Learn More
Rate History: 2.50% → 0.75% → 2.50% → 0.75% → 4.00%
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 180 days interest.
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.35% → 4.35% → 4.19% → 3.77% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Colorado Federal Savings Bank	3.95%	$5,000	-	Learn More Add Review
Early Withdrawal penalty is 6 Months' interest. Rate History: 4.50% → 4.40% → 4.15% → 4.00% → 3.95%
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
M.Y. Safra Bank	3.91%	$500	-	Learn More
Rate History: 3.00% → 4.45%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Goldman Sachs Bank	3.90%	$500	-	Learn More Add Review
Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Pentucket Bank Pentucket Bank Branch	3.90%	$500	-	Learn More Add Review
Rate History: 4.05% → 3.90%
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.30% → 4.10% → 4.00% → 3.95% → 3.90%
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)
Country Bank for Savings Brimfield Branch	3.82%	$500	-	Learn More Add Review
Rate History: 3.81% → 3.82% → 3.30% → 3.04% → 3.82%
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.00% → 3.60% → 3.91% → 3.80%
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)
Virtualbank, a division of First Horizon Bank	3.77%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 2% 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
Limelight Bank, A division of Capital Community Bank	3.75%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Dedham Institution for Savings Westwood Branch	3.75%	$1,000	-	Learn More Add Review
HarborOne Bank Sensata Business Center Branch	3.75%	$1,000	-	Learn More
Rate History: 4.25% → 4.00% → 4.15% → 4.05% → 3.75%
Jacob \| Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More Reviews (2)
Fall River Five Cents Savings Bank Fall River Five Cents Savings Bank Branch	3.75%	$500	-	Learn More Add Review
Rate History: 0.75% → 0.35% → 3.00% → 2.75% → 3.75%
CFG Bank	3.75%	$500	-	Learn More Add Review
Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75%
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
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
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
Banesco USA	3.60%	$1,000	-	Learn More
Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60%
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)
TIAA Bank / Everbank	3.50%	$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: 4.20% → 4.10% → 3.75% → 3.45% → 3.50%
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
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50%
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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
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
LendingClub Radius Bank Branch	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.00% → 3.50%
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)
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
The Cooperative Bank The Cooperative Bank Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 1.25% → 4.00% → 3.50%
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
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)
Needham Bank Medfield Branch	3.50%	$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)
Haverhill Bank West Main Street Branch	3.50%	$500	-	Learn More Add Review
Rate History: 2.27% → 3.50%
Bluestone Bank Bridgewater Savings Bank Branch	3.50%	$2,000	-	Learn More Add Review
Rate History: 0.30% → 0.20% → 3.50% → 3.25% → 3.50%
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 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
Beal Bank USA Boston Branch	3.45%	$1,000	-	Learn More
Rate History: 4.00% → 3.90% → 3.85% → 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)
Sallie Mae Bank	3.40%	$2,500	-	Learn More
Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%
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)
Bank of Whittier, National Association	3.36%	$1,000	-	Learn More Add Review
Greenfield Savings Bank Conway Branch	3.30%	$10	-	Learn More Add Review
Rate History: 3.04% → 3.56% → 3.30% → 3.04% → 3.30%
Finworth	3.30%	$50,000	-	Learn More Add Review
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
Bay State Savings Bank Grafton Street Branch	3.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 3.25%
Ivy Bank, a division of Cambridge Savings Bank	3.25%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60% → 3.25%
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
UniBank for Savings Milford Branch	3.25%	$500	-	Learn More Add Review
Rate History: 1.35% → 3.89% → 3.25%
The Village Bank Waban Branch	3.25%	$20	-	Learn More
Rate History: 2.50% → 3.00% → 4.00% → 3.50% → 3.25%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	3.25%	$1,000	-	Learn More Add Review
Rate History: 4.40% → 4.00% → 3.75% → 3.50% → 3.25%
Customers Bank	3.25%	$500	-	Learn More
Rate History: 4.00% → 4.10% → 4.00% → 3.25%
James A. Elder \| Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More Reviews (3)
Citizens Plymouth Stop & Shop Rt. 44 Branch	3.25%	$5,000	-	Learn More
Rate History: 3.10% → 2.85% → 3.50% → 3.25%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Peak Bank, a division of Idaho First Bank	3.14%	$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
Bristol County Savings Bank East Freetown Branch	3.05%	$5,000	-	Learn More Add Review
Rate History: 3.56% → 3.30% → 3.05%
Avidia Bank Willows Branch	3.05%	$1,000	-	Learn More
Rate History: 3.98% → 3.56% → 3.67% → 3.15% → 3.05%
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)
Millbury National Bank Grafton Branch	3.03% 2.52%	$501 $500	-	Learn More Add Review
Rate History: 1.00% → 3.03%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 3.50% → 4.00% → 3.50% → 3.00%
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)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
Charles River Bank Medway High School Branch	3.00%	$1,000	-	Learn More Add Review
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 18 months interest. Rate History: 3.50% → 3.00% → 2.60% → 3.00%
Citizens	2.85%	$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
Lee Bank Stockbridge Branch	2.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 3.00% → 2.75%
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
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
Rising Bank, a division of Midwest BankCentre	2.70%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 2.70%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Clear Sky Accounts	2.65%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 2.75% → 2.65%
ruler009 \| May 26, 2017 Before009 Read More
Webster Five Cents Savings Bank Oxford Branch	2.57%	$10	-	Learn More Add Review
Rate History: 0.05% → 1.79% → 1.53% → 3.09% → 2.57%
Dollar Savings Direct, a division of Emigrant Bank	2.50%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 3.50% → 3.00% → 2.50%
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
Mechanics Cooperative Bank Taunton Branch	2.50%	$500	-	Learn More Add Review
Primary Bank	2.50%	$1,000	-	Learn More
Early Withdrawal Penalty is all interest earned. Rate History: 2.27% → 2.50%
Jeffinnh \| Mar 30, 2021 These guys are the best local bank. Very responsive. Read More Reviews (8)
The Lowell Five Cent Savings Bank Vocational Technical School Branch	2.30%	$500	-	Learn More Add Review
Rate History: 1.00% → 2.25% → 2.30%
BankGloucester Bankgloucester Branch	2.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 2.77% → 0.76% → 2.25%
My Savings Direct, a division of Emigrant Bank	2.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 4.00% → 3.00% → 2.25%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	2.25%	$1,000	-	Learn More Add Review
Rate History: 2.00% → 2.25%
The Bank of Canton Randolph Branch	2.25%	$1,000	-	Learn More Add Review
Salem Five Direct	2.00%	$10,000	-	Learn More Add Review
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
South Shore Bank Columbian Square Branch	2.00%	$1,000	-	Learn More Add Review
Salem Five Cents Savings Bank Stoneham Branch	2.00% 0.35%	$10,000 $500	-	Learn More
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)
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	2.00%	$0	-	Learn More Add Review
Rate History: 2.35% → 2.00%
Leader Bank, National Association Central Square Branch	2.00%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 2.00%
Citibank, National Association Harvard Square Financial Center Branch	2.00%	$0	-	Learn More
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)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 1.98% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Boston Branch	2.00%	$10,000	-	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 Drive-In Branch	1.70%	$1,000	-	Learn More Add Review
Hingham Savings	1.70%	$1,000	-	Learn More Add Review
Savers Co-operative Bank Grafton Branch	1.69%	$500	-	Learn More Add Review
City National Bank	1.66%	$10,000	-	Learn More Add Review
Rate History: 2.02% → 1.66%
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
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)
Dean Co-operative Bank Blackstone Branch	1.50%	$500	-	Learn More Add Review
OneLocal Bank Norwood Co-Operative Bank Branch	1.50%	$1,000	-	Learn More Add Review
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Bank of Easton South Easton Branch	1.41%	$500	-	Learn More Add Review
Rate History: 1.04% → 1.41%
USAA Federal Savings Bank	1.30%	$1,000	-	Learn More Add Review
Rate History: 2.75% → 2.55% → 1.30%
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
Eagle Bank Eagle Bank Branch	1.25% 0.35%	$500 $501	-	Learn More Add Review
Rate History: 1.25% → 0.35% → 1.25%
North Shore Bank, a Co-operative Bank Merrimac Branch	1.20%	$1,000	-	Learn More Add Review
Canton Co-operative Bank Canton Co-Operative Bank Branch	1.16%	$10,000	-	Learn More Add Review
Rollstone Bank & Trust Harvard Branch	1.15%	$500	-	Learn More Add Review
Adams Community Bank Park Street Branch	1.00%	$10	-	Learn More Add Review
MountainOne Bank Mountainone Bank Branch	1.00%	$10,000	-	Learn More Add Review
Salem Co-operative Bank 284 Merrimack Street Branch	1.00%	$10,000	-	Learn More Add Review
TrustCo Bank Allendale Branch	0.99%	$500	-	Learn More
Rate History: 0.10% → 1.50% → 0.99%
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)
Berkshire Bank Agawam Branch	0.90%	$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)
Bank5 Connect	0.85%	$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 of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
Milford Federal Bank Route 109 Plaza Branch	0.85%	$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)
Coastal Heritage Bank Kingston Branch	0.80%	$10,000	-	Learn More Add Review
The Provident Bank The Provident Bank Branch	0.75%	$500	-	Learn More Add Review
Cambridge Savings Bank Newton Centre Branch	0.75%	$10,000	-	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
Main Street Bank Main Street Bank Branch	0.75%	$10,000	-	Learn More Add Review
Washington Savings Bank Washington Savings Bank Branch	0.75%	$500	-	Learn More Add Review
Rate History: 0.55% → 0.75%
Cape Ann Savings Bank Granite Br Branch	0.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 3.56% → 0.75%
Winter Hill Bank, FSB Cutter Avenue Branch	0.70%	$10,000	-	Learn More Add Review
Bank of New England Haverhill Branch	0.70%	$10,000	-	Learn More Add Review
NBT Bank, National Association Lee Branch	0.65%	$10,000	-	Learn More Add Review
Greenfield Co-operative Bank Northampton Branch	0.65%	$10,000	-	Learn More Add Review
NorthEast Community Bank Northeast Community Bank Branch	0.65%	$1,000	-	Learn More Add Review
Enterprise Bank and Trust Company Tewksbury Branch	0.60%	$10,000	-	Learn More Add Review
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	0.60%	$500	-	Learn More Add Review
Northern Bank & Trust Company Northern Bank & Trust Company Branch	0.60%	$500	-	Learn More Add Review
Rate History: 0.65% → 0.60%
Winchester Savings Bank Winchester Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
Brookline Bank Needham Heights Branch	0.55%	$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)
Wrentham Co-operative Bank Wrentham Co-Operative Bank Branch	0.55%	$500	-	Learn More Add Review
Colonial Federal Savings Bank Holbrook Branch	0.55%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.55%
Berkshire Bank Agawam Branch	0.50%	$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)
The Pittsfield Co-operative Bank Dalton Branch	0.50%	$10,000	-	Learn More Add Review
Athol Savings Bank Barre Branch	0.50%	$500	-	Learn More Add Review
Cornerstone Bank Fair Plaza Branch	0.50%	$10,000	-	Learn More Add Review
Commonwealth Co-operative Bank Boston Branch	0.50%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.50%
MutualOne Bank Lincoln Street Branch	0.50%	$500	-	Learn More
Rate History: 0.50% → 0.55% → 0.50%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	0.50%	$500	-	Learn More Add Review
BayCoast Bank Somerset Branch	0.50%	$10	-	Learn More Add Review
Bank Hometown Athol Branch	0.45%	$1,000	-	Learn More Add Review
Rate History: 0.40% → 0.50% → 0.45%
The National Grand Bank of Marblehead The National Grand Bank Of Marblehea Branch	0.45%	$1,000	-	Learn More Add Review
Clinton Savings Bank Sterling Branch	0.45%	$10	-	Learn More Add Review
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	-	Learn More Add Review
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	0.40%	$1,000	-	Learn More Add Review
Webster Bank, National Association New Bedford Branch	0.35%	$10,000	-	Learn More Add Review
Florence Bank Florence Bank Branch	0.35%	$500	-	Learn More Add Review
OneUnited Bank Grove Hall Branch	0.30%	$1,000	-	Learn More Add Review
Reading Co-operative Bank Reading Memorial High School Branch	0.30%	$500	-	Learn More Add Review
Monson Savings Bank Hampden Branch	0.30%	$1,000	-	Learn More Add Review
Easthampton Savings Bank Westfield Branch	0.30%	$1,000	-	Learn More Add Review
Rate History: 4.50% → 4.35% → 4.15% → 4.05% → 0.30%
The Savings Bank Main Street Branch	0.30%	$1,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
WebBank	0.25%	$2,500	-	Learn More
Rate History: 2.75% → 0.25%
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)
PeoplesBank Hampden Street Branch	0.25%	$1,000	-	Learn More Add Review
Marblehead Bank Marblehead Bank Branch	0.25%	$500	-	Learn More Add Review
Rate History: 0.35% → 0.25%
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
Community Bank, National Association Springfield, Ma Branch	0.20%	$100,000	-	Learn More Add Review
Watertown Savings Bank Arlington Branch	0.20%	$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)
OceanFirst Bank, National Association	0.20%	$500	-	Learn More Add Review
Eastern Bank Kendall Square Branch	0.15%	$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	0.15%	$10,000	-	Learn More Add Review
TD Bank, National Association Brewster Branch	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
U.S. Bank National Association	0.10%	$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)
Westfield Bank Agawam Branch	0.10%	$1,000	-	Learn More Add Review
The Cape Cod Five Cents Savings Bank Falmouth Branch	0.10%	$1,000	-	Learn More
Rate History: 1.00% → 2.50% → 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)
OneWest Bank, a division of First-Citizens Bank and Trust	0.05%	$500	-	Learn More Add Review
KeyBank National Association College Highway Branch	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
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)
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)
Bank of America, National Association Solomon Pond Mall Branch	0.03%	$100,000	-	Learn More
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)

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 10007

Branch	Street	City	State
Middlesex Savings Bank Framingham Branch	899 Edgell Road	Framingham	MA
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	19 Church Street	Winchester	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Newburyport Five Cents Savings Bank Salisbury Branch	Merrill Street And Route 110	Salisbury	MA
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	Storey Avenue And Woodmen Way	Newburyport	MA
Pentucket Bank Pentucket Bank Branch	One Merrimack Street	Haverhill	MA
Country Bank for Savings Brimfield Branch	9 Main Street (South Side)	Brimfield	MA
Dedham Institution for Savings Westwood Branch	673 High Street	Westwood	MA
HarborOne Bank Sensata Business Center Branch	529 Pleasant Street	Attleboro	MA
Fall River Five Cents Savings Bank Fall River Five Cents Savings Bank Branch	79 North Main Street	Fall River	MA
LendingClub Radius Bank Branch	1 Harbor St, Ste 102	Boston	MA
The Cooperative Bank The Cooperative Bank Branch	40 Belgrade Avenue	Roslindale	MA
Needham Bank Medfield Branch	520 Main Street	Medfield	MA
Haverhill Bank West Main Street Branch	6 Main Street	Merrimac	MA
Bluestone Bank Bridgewater Savings Bank Branch	756 Orchard Street	Raynham	MA
Beal Bank USA Boston Branch	161 Linden Street, Ssuite 105	Wellesley	MA
Greenfield Savings Bank Conway Branch	Parsons Road And Route 116	Conway	MA
Bay State Savings Bank Grafton Street Branch	799 Grafton Streeet	Worcester	MA
UniBank for Savings Milford Branch	91 Prospect Street	Milford	MA
The Village Bank Waban Branch	89 Wyman Street	Waban	MA
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	80 Montvale Avenue	Stoneham	MA
Newburyport Five Cents Savings Bank Salisbury Branch	Merrill Street And Route 110	Salisbury	MA
Citizens Plymouth Stop & Shop Rt. 44 Branch	129 Samoset St Ste 1	Plymouth	MA
Bristol County Savings Bank East Freetown Branch	One Chace Road	East Freetown	MA
Avidia Bank Willows Branch	One Lyman Street	Westborough	MA
Millbury National Bank Grafton Branch	43 Main Street	South Grafton	MA
Charles River Bank Medway High School Branch	88 Summer Street	Medway	MA
Lee Bank Stockbridge Branch	Elm Street	Stockbridge	MA
Webster Five Cents Savings Bank Oxford Branch	343 Main Street	Oxford	MA
Millbury National Bank Grafton Branch	43 Main Street	South Grafton	MA
Mechanics Cooperative Bank Taunton Branch	75 County Street	Taunton	MA
The Lowell Five Cent Savings Bank Vocational Technical School Branch	Route 113 Pawtucket Boulevard	Tyngsboro	MA
BankGloucester Bankgloucester Branch	160 Main Street	Gloucester	MA
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	243 Broadway	Methuen	MA
The Bank of Canton Randolph Branch	67 North Main Street	Randolph	MA
South Shore Bank Columbian Square Branch	88 Pleasant Street	South Weymouth	MA
Salem Five Cents Savings Bank Stoneham Branch	88 Main Street	Stoneham	MA
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	982 Main Street	Walpole	MA
Leader Bank, National Association Central Square Branch	675 Massachusetts Avenue	Cambridge	MA
Citibank, National Association Harvard Square Financial Center Branch	One Brattle Street	Cambridge	MA
JPMorgan Chase Bank, National Association Boston Branch	50 Rowes Wharf, Floor 4	Boston	MA
Hingham Institution for Savings Drive-In Branch	71 Main Street	Hingham	MA
Savers Co-operative Bank Grafton Branch	96 Worcester Street	North Grafton	MA
Dean Co-operative Bank Blackstone Branch	8 Main Street	Blackstone	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Bank of Easton South Easton Branch	12 Robert Drive	South Easton	MA
Eagle Bank Eagle Bank Branch	471 Salem Street	Medford	MA
North Shore Bank, a Co-operative Bank Merrimac Branch	1 West Main Street	Merrimac	MA
Canton Co-operative Bank Canton Co-Operative Bank Branch	671 Washington Street	Canton	MA
Rollstone Bank & Trust Harvard Branch	Route 110 And Old Mill Road	Harvard	MA
Adams Community Bank Park Street Branch	93 Park Street	Adams	MA
MountainOne Bank Mountainone Bank Branch	93 Main Street	North Adams	MA
Salem Co-operative Bank 284 Merrimack Street Branch	284 Merrimack Street	Methuen	MA
TrustCo Bank Allendale Branch	5 Cheshire Rd, Suite 18	Pittsfield	MA
Berkshire Bank Agawam Branch	820 Suffield Strret	Agawam	MA
Milford Federal Bank Route 109 Plaza Branch	91 Medway Road	Milford	MA
Coastal Heritage Bank Kingston Branch	83 Summer Street	Kingston	MA
BankProv The Provident Bank Branch	Five Market Street	Amesbury	MA
Cambridge Savings Bank Newton Centre Branch	739 Beacon Street	Newton Center	MA
Main Street Bank Main Street Bank Branch	81 Granger Boulevard	Marlborough	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
Cape Ann Savings Bank Granite Br Branch	247 Main Street	Rockport	MA
Winter Hill Bank, FSB Cutter Avenue Branch	5 Cutter Avenue	Somerville	MA
Bank of New England Haverhill Branch	37 Emerson Street	Haverhill	MA
NBT Bank, National Association Lee Branch	76 Park Street	Lee	MA
Greenfield Co-operative Bank Northampton Branch	67 King Street	Northampton	MA
NorthEast Community Bank Northeast Community Bank Branch	8 North Park Avenue	Plymouth	MA
Enterprise Bank and Trust Company Tewksbury Branch	910 Andover Street	Tewksbury	MA
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	1196 Broadway	Somerville	MA
Northern Bank & Trust Company Northern Bank & Trust Company Branch	89 Elm Street	Woburn	MA
Winchester Savings Bank Winchester Savings Bank Branch	661 Main Street	Winchester	MA
Brookline Bank Needham Heights Branch	902 Highland Ave	Needham	MA
Wrentham Co-operative Bank Wrentham Co-Operative Bank Branch	102 South Street	Wrentham	MA
Colonial Federal Savings Bank Holbrook Branch	819 South Franklin Street	Holbrook	MA
Berkshire Bank Agawam Branch	820 Suffield Strret	Agawam	MA
The Pittsfield Co-operative Bank Dalton Branch	431 Main Street	Dalton	MA
Athol Savings Bank Barre Branch	560 Summer Street	Barre	MA
Cornerstone Bank Fair Plaza Branch	Fair Shopping Center, Route 9	Spencer	MA
Commonwealth Co-operative Bank Boston Branch	25 Court Street	Boston	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	950 Park Street	Stoughton	MA
BayCoast Bank Somerset Branch	Route 6 And Brayton Point Road	Somerset	MA
Bankhometown Athol Branch	90 Exchange St	Athol	MA
The National Grand Bank of Marblehead The National Grand Bank Of Marblehea Branch	91 Pleasant Street	Marblehead	MA
Clinton Savings Bank Sterling Branch	One Main Street	Sterling	MA
Cathay Bank Boston Branch	621 Washington Street	Boston	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Salem Five Cents Savings Bank Stoneham Branch	88 Main Street	Stoneham	MA
Webster Bank, National Association New Bedford Branch	975 Ashley Boulevard	New Bedford	MA
Eagle Bank Eagle Bank Branch	471 Salem Street	Medford	MA
Florence Bank Florence Bank Branch	85 Main Street	Florence	MA
OneUnited Bank Grove Hall Branch	648 Warren Street	Dorchester	MA
Reading Co-operative Bank Reading Memorial High School Branch	62 Oakland Road	Reading	MA
Monson Savings Bank Hampden Branch	15 Somers Road	Hampden	MA
Bankesb Westfield Branch	85 Broad Street	Westfield	MA
The Savings Bank Main Street Branch	907 Main Street	Wakefield	MA
PeoplesBank Hampden Street Branch	825 Hampden Street	Holyoke	MA
Marblehead Bank Marblehead Bank Branch	21 Atlantic Avenue	Marblehead	MA
Community Bank, National Association Springfield, Ma Branch	1500 Main Street	Springfield	MA
Watertown Savings Bank Arlington Branch	980 Massachusetts Avenue	Arlington	MA
Eastern Bank Kendall Square Branch	One Broadway	Cambridge	MA
Community Bank, National Association Springfield, Ma Branch	1500 Main Street	Springfield	MA
TD Bank, National Association Brewster Branch	Route 6a And Underpass Road	Brewster	MA
Westfield Bank Agawam Branch	655 Main Street	Agawam	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
Bank of America, National Association Solomon Pond Mall Branch	601 Donald J. Lynch Boulevard	Marlborough	MA

See rates for Online Banks →

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

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

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

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Massachusetts CD Rates – 3-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Massachusetts

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