Best 4-Year CD Rates in Massachusetts, MA

You are viewing rates from banks across Massachusetts

Below are four-year CD Rates from banks in Massachusetts . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

MA - August 16, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.05% → 4.00% → 3.90% → 4.15% → 4.10%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
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)
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)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 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)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
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)
Dedham Institution for Savings Westwood Branch	3.75%	$1,000	-	Learn More Add Review
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
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)
Virtualbank, a division of First Horizon Bank	3.67%	$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
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
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 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
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 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
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
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 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 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
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 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)
Bluestone Bank Bridgewater Savings Bank Branch	3.50%	$2,000	-	Learn More Add Review
Rate History: 0.40% → 0.30% → 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: 3.95% → 3.85% → 3.80% → 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)
Greenfield Savings Bank Conway Branch	3.30%	$10	-	Learn More Add Review
Rate History: 0.70% → 0.80% → 2.78% → 3.30%
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 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)
Bay State Savings Bank Grafton Street Branch	3.25%	$1,000	-	Learn More Add Review
Rate History: 2.75% → 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)
Needham Bank Medfield Branch	3.25%	$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)
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%
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)
Customers Bank	3.25%	$500	-	Learn More
Rate History: 3.75% → 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)
Bristol County Savings Bank East Freetown Branch	3.05%	$5,000	-	Learn More Add Review
Rate History: 3.82% → 3.56% → 3.30% → 3.05%
Avidia Bank Willows Branch	3.05%	$1,000	-	Learn More
Rate History: 4.08% → 3.92% → 3.56% → 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)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Charles River Bank Medway High School Branch	3.00%	$1,000	-	Learn More Add Review
HarborOne Bank Sensata Business Center Branch	3.00%	$1,000	-	Learn More
Rate History: 3.75% → 4.00% → 3.25% → 3.00%
Jacob \| Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More Reviews (2)
Mechanics Cooperative Bank Taunton Branch	3.00%	$500	-	Learn More Add Review
Florence Bank Florence Bank Branch	2.96%	$500	-	Learn More Add Review
Rate History: 0.75% → 0.35% → 0.40% → 2.96%
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$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
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
Citizens Plymouth Stop & Shop Rt. 44 Branch	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
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)
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	2.50%	$500	-	Learn More
Rate History: 0.75% → 1.00% → 0.75% → 2.50%
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
Fall River Five Cents Savings Bank Fall River Five Cents Savings Bank Branch	2.50%	$500	-	Learn More Add Review
Rate History: 0.90% → 3.00% → 2.50%
The Lowell Five Cent Savings Bank Vocational Technical School Branch	2.50%	$500	-	Learn More Add Review
Rate History: 1.00% → 2.30% → 2.50%
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	2.35%	$0	-	Learn More Add Review
Rate History: 2.40% → 2.35%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
BankGloucester Bankgloucester Branch	2.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 0.76% → 1.02% → 2.25%
Salem Five Cents Savings Bank Stoneham Branch	2.25% 0.50%	$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)
Pentucket Bank Pentucket Bank Branch	2.12%	$500	-	Learn More Add Review
Rate History: 2.27% → 2.12%
Country Bank for Savings Brimfield Branch	2.02%	$500	-	Learn More Add Review
Rate History: 3.55% → 3.56% → 3.30% → 3.04% → 2.02%
South Shore Bank Columbian Square Branch	2.00%	$1,000	-	Learn More Add Review
Rate History: 2.00% → 3.25% → 2.00% → 3.25% → 2.00%
Dean Co-operative Bank Blackstone Branch	2.00%	$500	-	Learn More Add Review
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	2.00%	$1,000	-	Learn More Add Review
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: 2.00% → 3.00% → 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: 2.00% → 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)
Everett Co-operative Bank Everett Co-Operative Bank Branch	1.75%	$500	-	Learn More Add Review
Savers Co-operative Bank Grafton Branch	1.69%	$500	-	Learn More Add Review
Rate History: 2.05% → 1.69%
Webster Five Cents Savings Bank Oxford Branch	1.53%	$10	-	Learn More Add Review
City National Bank	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
Bank of Easton South Easton Branch	1.51%	$500	-	Learn More Add Review
Rate History: 1.25% → 1.51%
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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)
OneLocal Bank Norwood Co-Operative Bank Branch	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
North Shore Bank, a Co-operative Bank Merrimac Branch	1.30%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
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
Rollstone Bank & Trust Harvard Branch	1.25%	$500	-	Learn More Add Review
Salem Co-operative Bank 284 Merrimack Street Branch	1.25%	$10,000	-	Learn More Add Review
Canton Co-operative Bank Canton Co-Operative Bank Branch	1.21%	$10,000	-	Learn More Add Review
Adams Community Bank Park Street Branch	1.10%	$10	-	Learn More Add Review
TrustCo Bank Allendale Branch	1.10%	$500	-	Learn More
Rate History: 0.10% → 1.50% → 1.10%
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	1.10%	$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)
MountainOne Bank Mountainone Bank Branch	1.05%	$10,000	-	Learn More Add Review
Hingham Institution for Savings Drive-In Branch	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Milford Federal Bank Route 109 Plaza Branch	0.95%	$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)
Bank of New England Haverhill Branch	0.85%	$10,000	-	Learn More Add Review
The Provident Bank The Provident Bank Branch	0.80%	$500	-	Learn More Add Review
Winter Hill Bank, FSB Cutter Avenue Branch	0.80%	$10,000	-	Learn More Add Review
Coastal Heritage Bank Kingston Branch	0.80%	$10,000	-	Learn More Add Review
Greenfield Co-operative Bank Northampton Branch	0.75%	$10,000	-	Learn More Add Review
Main Street Bank Main Street Bank Branch	0.75%	$10,000	-	Learn More Add Review
Wrentham Co-operative Bank Wrentham Co-Operative Bank Branch	0.75%	$500	-	Learn More Add Review
North Easton Savings Bank Mansfield Branch	0.75%	$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)
Cape Ann Savings Bank Granite Br Branch	0.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 0.75% → 1.00% → 0.75%
NorthEast Community Bank Northeast Community Bank Branch	0.75%	$1,000	-	Learn More Add Review
NBT Bank, National Association Lee Branch	0.70%	$10,000	-	Learn More Add Review
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	0.70%	$500	-	Learn More Add Review
Rate History: 0.60% → 0.70%
BayCoast Bank Somerset Branch	0.70%	$10	-	Learn More Add Review
Eagle Bank Eagle Bank Branch	0.65%	$500	-	Learn More Add Review
Rate History: 1.25% → 0.65%
Northern Bank & Trust Company Northern Bank & Trust Company Branch	0.65%	$500	-	Learn More Add Review
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	0.65%	$500	-	Learn More Add Review
Colonial Federal Savings Bank Holbrook Branch	0.65%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.65%
Enterprise Bank and Trust Company Tewksbury Branch	0.60%	$10,000	-	Learn More Add Review
Winchester Savings Bank Winchester Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
Lee Bank Stockbridge Branch	0.55%	$500	-	Learn More Add Review
MutualOne Bank Lincoln Street Branch	0.55%	$500	-	Learn More
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$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
The National Grand Bank of Marblehead The National Grand Bank Of Marblehea Branch	0.50%	$1,000	-	Learn More Add Review
Bank Hometown Athol Branch	0.50%	$1,000	-	Learn More Add Review
Rate History: 0.45% → 0.50%
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
Clinton Savings Bank Sterling Branch	0.50%	$10	-	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%
Cathay Bank Boston Branch	0.40%	$50,000	-	Learn More Add Review
Seamen's Bank A & P Plaza Branch	0.40%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.40%
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	0.40%	$1,000	-	Learn More Add Review
Reading Co-operative Bank Reading Memorial High School Branch	0.35%	$500	-	Learn More Add Review
Webster Bank, National Association New Bedford Branch	0.35%	$10,000	-	Learn More Add Review
Easthampton Savings Bank Westfield Branch	0.35%	$1,000	-	Learn More Add Review
Rate History: 0.45% → 0.30% → 0.40% → 0.35%
PeoplesBank Hampden Street Branch	0.30%	$1,000	-	Learn More Add Review
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
Community Bank, National Association Springfield, Ma Branch	0.25%	$100,000	-	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
Community Bank, National Association Springfield, Ma Branch	0.20%	$10,000	-	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)
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$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)
U.S. Bank National Association	0.15%	$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)
The Cape Cod Five Cents Savings Bank Falmouth Branch	0.13%	$1,000	-	Learn More
Rate History: 1.00% → 0.13%
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)
Westfield Bank Agawam Branch	0.10%	$1,000	-	Learn More Add Review
KeyBank National Association College Highway Branch	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 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 10116

Branch	Street	City	State
Middlesex Savings Bank Framingham Branch	899 Edgell Road	Framingham	MA
Dedham Institution for Savings Westwood Branch	673 High Street	Westwood	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
The Village Bank Waban Branch	89 Wyman Street	Waban	MA
Needham Bank Medfield Branch	520 Main Street	Medfield	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
Bristol County Savings Bank East Freetown Branch	One Chace Road	East Freetown	MA
Avidia Bank Willows Branch	One Lyman Street	Westborough	MA
Charles River Bank Medway High School Branch	88 Summer Street	Medway	MA
HarborOne Bank Sensata Business Center Branch	529 Pleasant Street	Attleboro	MA
Mechanics Cooperative Bank Taunton Branch	75 County Street	Taunton	MA
Florence Bank Florence Bank Branch	85 Main Street	Florence	MA
Citizens Plymouth Stop & Shop Rt. 44 Branch	129 Samoset St Ste 1	Plymouth	MA
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	Storey Avenue And Woodmen Way	Newburyport	MA
Fall River Five Cents Savings Bank Fall River Five Cents Savings Bank Branch	79 North Main Street	Fall River	MA
The Lowell Five Cent Savings Bank Vocational Technical School Branch	Route 113 Pawtucket Boulevard	Tyngsboro	MA
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	982 Main Street	Walpole	MA
BankGloucester Bankgloucester Branch	160 Main Street	Gloucester	MA
Salem Five Cents Savings Bank Stoneham Branch	88 Main Street	Stoneham	MA
Pentucket Bank Pentucket Bank Branch	One Merrimack Street	Haverhill	MA
Country Bank for Savings Brimfield Branch	9 Main Street (South Side)	Brimfield	MA
South Shore Bank Columbian Square Branch	88 Pleasant Street	South Weymouth	MA
Dean Co-operative Bank Blackstone Branch	8 Main Street	Blackstone	MA
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	243 Broadway	Methuen	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
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Savers Co-operative Bank Grafton Branch	96 Worcester Street	North Grafton	MA
Webster Five Cents Savings Bank Oxford Branch	343 Main Street	Oxford	MA
Bank of Easton South Easton Branch	12 Robert Drive	South Easton	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
North Shore Bank, a Co-operative Bank Merrimac Branch	1 West Main Street	Merrimac	MA
Rollstone Bank & Trust Harvard Branch	Route 110 And Old Mill Road	Harvard	MA
Salem Co-operative Bank 284 Merrimack Street Branch	284 Merrimack Street	Methuen	MA
Canton Co-operative Bank Canton Co-Operative Bank Branch	671 Washington Street	Canton	MA
Adams Community Bank Park Street Branch	93 Park Street	Adams	MA
TrustCo Bank Allendale Branch	5 Cheshire Rd, Suite 18	Pittsfield	MA
Berkshire Bank Agawam Branch	820 Suffield Strret	Agawam	MA
MountainOne Bank Mountainone Bank Branch	93 Main Street	North Adams	MA
Hingham Institution for Savings Drive-In Branch	71 Main Street	Hingham	MA
Milford Federal Bank Route 109 Plaza Branch	91 Medway Road	Milford	MA
Bank of New England Haverhill Branch	37 Emerson Street	Haverhill	MA
BankProv The Provident Bank Branch	Five Market Street	Amesbury	MA
Winter Hill Bank, FSB Cutter Avenue Branch	5 Cutter Avenue	Somerville	MA
Coastal Heritage Bank Kingston Branch	83 Summer Street	Kingston	MA
Greenfield Co-operative Bank Northampton Branch	67 King Street	Northampton	MA
Main Street Bank Main Street Bank Branch	81 Granger Boulevard	Marlborough	MA
Wrentham Co-operative Bank Wrentham Co-Operative Bank Branch	102 South Street	Wrentham	MA
North Easton Savings Bank Mansfield Branch	71 Copeland Drive	Mansfield	MA
Cape Ann Savings Bank Granite Br Branch	247 Main Street	Rockport	MA
NorthEast Community Bank Northeast Community Bank Branch	8 North Park Avenue	Plymouth	MA
NBT Bank, National Association Lee Branch	76 Park Street	Lee	MA
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	1196 Broadway	Somerville	MA
BayCoast Bank Somerset Branch	Route 6 And Brayton Point Road	Somerset	MA
Eagle Bank Eagle Bank Branch	471 Salem Street	Medford	MA
Northern Bank & Trust Company Northern Bank & Trust Company Branch	89 Elm Street	Woburn	MA
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	950 Park Street	Stoughton	MA
Colonial Federal Savings Bank Holbrook Branch	819 South Franklin Street	Holbrook	MA
Enterprise Bank and Trust Company Tewksbury Branch	910 Andover Street	Tewksbury	MA
Winchester Savings Bank Winchester Savings Bank Branch	661 Main Street	Winchester	MA
Lee Bank Stockbridge Branch	Elm Street	Stockbridge	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
The National Grand Bank of Marblehead The National Grand Bank Of Marblehea Branch	91 Pleasant Street	Marblehead	MA
Bankhometown Athol Branch	90 Exchange St	Athol	MA
Berkshire Bank Agawam Branch	820 Suffield Strret	Agawam	MA
The Pittsfield Co-operative Bank Dalton Branch	431 Main Street	Dalton	MA
Salem Five Cents Savings Bank Stoneham Branch	88 Main Street	Stoneham	MA
Clinton Savings Bank Sterling Branch	One Main Street	Sterling	MA
Cornerstone Bank Fair Plaza Branch	Fair Shopping Center, Route 9	Spencer	MA
Commonwealth Co-operative Bank Boston Branch	25 Court Street	Boston	MA
Cathay Bank Boston Branch	621 Washington Street	Boston	MA
Seamen's Bank A & P Plaza Branch	56 Shank Painter Road	Provincetown	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Reading Co-operative Bank Reading Memorial High School Branch	62 Oakland Road	Reading	MA
Webster Bank, National Association New Bedford Branch	975 Ashley Boulevard	New Bedford	MA
Bankesb Westfield Branch	85 Broad Street	Westfield	MA
PeoplesBank Hampden Street Branch	825 Hampden Street	Holyoke	MA
The Savings Bank Main Street Branch	907 Main Street	Wakefield	MA
Community Bank, National Association Springfield, Ma Branch	1500 Main Street	Springfield	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
The Cape Cod Five Cents Savings Bank Falmouth Branch	668 Main Street	Falmouth	MA
Westfield Bank Agawam Branch	655 Main Street	Agawam	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

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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