Best 6-Month CD Rates in Beverly, Massachusetts, MA

You are viewing rates from banks across Beverly

Below are the best six-month CD Rates from banks with branches in Beverly, Massachusetts . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Beverly, MA - August 1, 2025

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
Colonial Federal Savings Bank Colonial Federal Savings Bank Branch	5.32%	$1,000	21.55	Learn More Add Review
Rate History: 0.25% → 5.32%
Northern Bank & Trust Company Burlington Branch	5.00%	$500	17.36	Learn More Add Review
Pentucket Bank Lowell Avenue Branch	4.85%	$500	19.53	Learn More Add Review
Rate History: 4.75% → 4.85%
Reading Co-operative Bank Burlington Office Branch	4.75%	$500	17.36	Learn More Add Review
Rate History: 3.75% → 4.75%
Santander Bank, N.A. Waltham - Moody Street Branch	4.50% 4.00%	$500 $501	22.67	Learn More
Rate History: 4.75% → 5.15% → 5.00% → 4.75% → 4.50%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	4.50%	$500	15.79	Learn More Add Review
Rate History: 5.00% → 4.65% → 4.20% → 4.50%
North Shore Bank, a Co-operative Bank Lynn Fells Parkway Branch	4.50%	$1,000	9.44	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.50%
Leader Bank, National Association Burlington Branch	4.50%	$1,000	18.36	Learn More Add Review
Rate History: 5.30% → 5.25% → 5.00% → 4.75% → 4.50%
BankGloucester Essex Branch	4.50%	$2,500	7.02	Learn More Add Review
Rate History: 5.15% → 5.00% → 4.85% → 4.65% → 4.50%
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%
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
Merrick Bank	4.40%	$25,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%
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)
Limelight Bank, A division of Capital Community Bank	4.35%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Hingham Institution for Savings Boston Branch	4.30%	$1,000	18.21	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
Salem Five Cents Savings Bank Main Street Branch	4.25%	$2,500	17.15	Learn More
Rate History: 0.05% → 5.00% → 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)
Sallie Mae Bank	4.15%	$2,500	-	Learn More
Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%
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)
Manufacturers and Traders Trust Company Boston Branch	4.10%	$1,001	17.15	Learn More
Rate History: 4.90% → 4.75% → 4.50% → 5.00% → 4.10%
Claire blankinship \| Aug 5, 2020 I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. Read More Reviews (3)
Cape Ann Savings Bank Manchester Branch	4.07%	$500	5.67	Learn More Add Review
Rate History: 1.00% → 0.35% → 4.07%
LendingClub Radius Bank Branch	4.00%	$2,500	17.22	Learn More
Rate History: 5.30% → 5.00% → 4.80% → 4.00%
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)
The National Grand Bank of Marblehead Marblehead High School Branch	4.00%	$1,000	4.68	Learn More Add Review
Rate History: 3.75% → 4.50% → 4.25% → 4.13% → 4.00%
Haverhill Bank Haverhill High Office Branch	4.00%	$500	19.90	Learn More Add Review
Rate History: 5.25% → 5.00% → 4.75% → 4.50% → 4.00%
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	4.00%	$1,000	19.98	Learn More Add Review
Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00%
The Village Bank Waban Branch	3.75%	$20	24.83	Learn More
Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.75%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Marblehead Bank Cummings Center Branch	3.75%	$500	0.61	Learn More Add Review
Rate History: 0.10% → 4.75% → 4.25% → 4.00% → 3.75%
Bank of America, National Association Moody Street Branch	3.75%	$10,000	23.48	Learn More
Rate History: 4.00% → 3.75%
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)
Newburyport Five Cents Savings Bank Amesbury Branch	3.28%	$2,500	20.66	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)
Rockland Trust Company Moody Street Branch	3.25%	$1,000	23.05	Learn More
Rate History: 3.75% → 4.00% → 3.75% → 3.50% → 3.25%
Sanshir \| Sep 14, 2023 Used them my whole life! Great little bank! Read More Reviews (3)
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%
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
TD Bank, National Association Tewksbury Center Branch	2.75% 0.05%	$10,001 $10,000	19.34	Learn More
Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Institution for Savings in Newburyport and Its Vicinity Middleton Office Branch	2.25%	$500	7.11	Learn More
Rate History: 0.25% → 4.40% → 2.25%
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
Wells Fargo Bank, National Association Boston Abbot Downing Trust Office Branch	2.00%	$25,000	17.96	Learn More
Rate History: 2.50% → 2.51% → 2.01% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
JPMorgan Chase Bank, National Association Boston Branch	1.50%	$10,000	16.91	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Winter Hill Bank, FSB Cutter Avenue Branch	0.50%	$10,000	17.34	Learn More Add Review
Winchester Savings Bank Woburn Branch	0.50%	$10,000	16.84	Learn More Add Review
Coastal Heritage Bank Equitable Co-Operative Bk Br Branch	0.45%	$10,000	6.90	Learn More Add Review
Enterprise Bank and Trust Company Main Street Tewksbury Branch	0.35%	$10,000	19.07	Learn More Add Review
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	0.35%	$1,000	13.60	Learn More Add Review
Rate History: 0.35% → 4.38% → 0.35%
Salem Co-operative Bank 284 Merrimack Street Branch	0.35%	$10,000	18.41	Learn More Add Review
The Provident Bank The Provident Bank Branch	0.30%	$500	20.51	Learn More Add Review
Eagle Bank Lexington Center Branch	0.30%	$500	20.23	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.71% → 4.00% → 0.30%
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	0.30%	$500	17.24	Learn More Add Review
Cathay Bank Boston Branch	0.25%	$50,000	17.46	Learn More Add Review
MountainOne Bank Quincy Branch	0.25%	$10,000	22.73	Learn More Add Review
Cambridge Savings Bank Lexington Branch	0.25%	$10,000	20.23	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
The Bank of Canton Brookline Branch	0.25%	$2,500	20.14	Learn More Add Review
Rate History: 0.20% → 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
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	0.20%	$1,000	21.85	Learn More Add Review
Rate History: 1.00% → 0.20%
Everett Co-operative Bank Everett Co-Operative Bank Branch	0.20%	$500	14.33	Learn More Add Review
Commonwealth Co-operative Bank Commonwealth Co-Operative Bank Branch	0.20%	$1,000	24.75	Learn More Add Review
Rate History: 1.00% → 0.20%
Purepoint MUFG Union	0.15%	$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
Berkshire Bank Brighton Branch	0.10%	$10,000	20.86	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)
Webster Bank, National Association Boston Branch	0.10%	$10,000	17.17	Learn More Add Review
Watertown Savings Bank Waltham Branch	0.10%	$10,000	22.95	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)
The Savings Bank Methuen Branch	0.10%	$1,000	19.98	Learn More Add Review
Bank of New England Methuen Branch	0.10%	$10,000	21.09	Learn More Add Review
Eastern Bank Lexington Branch	0.05%	$10,000	20.28	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)

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 Beverly, MA - August 1, 2025

Branch	Street	City	State
Colonial Federal Savings Bank Colonial Federal Savings Bank Branch	15 Beach Street	Quincy	MA
Northern Bank & Trust Company Burlington Branch	13 Center Street	Burlington	MA
Pentucket Bank Lowell Avenue Branch	395 Lowell Avenue	Haverhill	MA
Reading Co-operative Bank Burlington Office Branch	10 Wall Street	Burlington	MA
Santander Bank, N.A. Waltham - Moody Street Branch	700 Main Street	Waltham	MA
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	19 Church Street	Winchester	MA
North Shore Bank, a Co-operative Bank Lynn Fells Parkway Branch	412 Lynn Fells Parkway	Saugus	MA
Leader Bank, National Association Burlington Branch	50 Mall Rd	Burlington	MA
BankGloucester Essex Branch	15 Martin Street	Essex	MA
Hingham Institution for Savings Boston Branch	540 Tremont Street	Boston	MA
Salem Five Cents Savings Bank Main Street Branch	2171 Main Street	Tewksbury	MA
Manufacturers and Traders Trust Company Boston Branch	280 Congress Street	Boston	MA
Cape Ann Savings Bank Manchester Branch	17 Beach Street	Manchester	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
Haverhill Bank Haverhill High Office Branch	137 Monument Ave.	Haverhill	MA
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	243 Broadway	Methuen	MA
Santander Bank, N.A. Waltham - Moody Street Branch	700 Main Street	Waltham	MA
The Village Bank Waban Branch	89 Wyman Street	Waban	MA
Marblehead Bank Cummings Center Branch	100 Cummings Center Suite 101-F	Beverly	MA
Bank of America, National Association Moody Street Branch	625 Moody Street	Waltham	MA
Newburyport Five Cents Savings Bank Amesbury Branch	40 Friend Street	Amesbury	MA
Rockland Trust Company Moody Street Branch	75 Moody Street	Waltham	MA
TD Bank, National Association Tewksbury Center Branch	995 Main Street	Tewksbury	MA
Institution for Savings in Newburyport and Its Vicinity Middleton Office Branch	161 South Main Street	Middleton	MA
Wells Fargo Bank, National Association Boston Abbot Downing Trust Office Branch	200 Berkeley Street	Boston	MA
JPMorgan Chase Bank, National Association Boston Branch	50 Rowes Wharf, Floor 4	Boston	MA
Winter Hill Bank, FSB Cutter Avenue Branch	5 Cutter Avenue	Somerville	MA
Winchester Savings Bank Woburn Branch	344 Cambridge Road	Woburn	MA
Coastal Heritage Bank Equitable Co-Operative Bk Br Branch	400 Broadway	Lynn	MA
Enterprise Bank and Trust Company Main Street Tewksbury Branch	1120 Main Street	Tewksbury	MA
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	80 Montvale Avenue	Stoneham	MA
Salem Co-operative Bank 284 Merrimack Street Branch	284 Merrimack Street	Methuen	MA
BankProv The Provident Bank Branch	Five Market Street	Amesbury	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	1196 Broadway	Somerville	MA
Cathay Bank Boston Branch	621 Washington Street	Boston	MA
MountainOne Bank Quincy Branch	77 Granite Street	Quincy	MA
Cambridge Savings Bank Lexington Branch	1781 Massachusetts Avenue	Lexington	MA
The Bank of Canton Brookline Branch	166 Harvard Street	Brookline	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Commonwealth Co-operative Bank Commonwealth Co-Operative Bank Branch	1172 River St	Hyde Park	MA
Berkshire Bank Brighton Branch	423 Washington Street	Brighton	MA
Webster Bank, National Association Boston Branch	100 Franklin Street	Boston	MA
Watertown Savings Bank Waltham Branch	6 Lexington Street	Waltham	MA
The Savings Bank Methuen Branch	17 Burnham Road	Methuen	MA
Bank of New England Methuen Branch	3 Cross Street	Methuen	MA
Eastern Bank Lexington Branch	1833 Massachusetts Ave	Lexington	MA
TD Bank, National Association Tewksbury Center Branch	995 Main Street	Tewksbury	MA

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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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Beverly, Massachusetts CD Rates – 6-Month

Branches Info around Beverly, MA - August 1, 2025

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

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