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

You are viewing rates from banks across Marlborough

Below are the best six-month CD Rates from banks with branches in Marlborough, 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.

Marlborough, MA - August 1, 2025

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
Northern Bank & Trust Company Littleton Branch	5.00%	$500	13.86	Learn More Add Review
Reading Co-operative Bank Burlington Office Branch	4.75%	$500	21.20	Learn More Add Review
Rate History: 3.75% → 4.75%
Leader Bank, National Association Burlington Branch	4.50%	$1,000	20.27	Learn More Add Review
Rate History: 5.30% → 5.25% → 5.00% → 4.75% → 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)
Savers Co-operative Bank Auburn Branch	4.40%	$2,500	18.16	Learn More Add Review
Rate History: 0.66% → 4.25% → 4.40%
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
Needham Bank Ashland Branch	4.35%	$1,000	7.66	Learn More
Rate History: 4.50% → 4.40% → 4.25% → 4.35%
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)
Salem Five Cents Savings Bank Sudbury Branch	4.25%	$2,500	7.02	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)
Middlesex Savings Bank Home/Phone Banking Branch Informatio	4.25%	$10	5.35	Learn More
Rate History: 5.00% → 4.75% → 4.25%
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)
OneLocal Bank Norwood Co-Operative Bank Branch	4.25%	$2,500	21.41	Learn More Add Review
Rate History: 0.50% → 4.75% → 4.35% → 0.75% → 4.25%
Wrentham Co-operative Bank South Street Branch	4.25%	$1,000	24.23	Learn More Add Review
Rate History: 0.25% → 5.25% → 5.00% → 4.25%
Beal Bank USA Boston Branch	4.20%	$1,000	13.95	Learn More
Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20%
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	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)
The Village Bank Wayland Branch	3.75%	$20	11.29	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)
Bank of America, National Association Bank Of America, National Association Branch	3.75%	$10,000	23.27	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)
Bristol County Savings Bank Franklin Branch	3.53%	$5,000	19.55	Learn More Add Review
Rate History: 3.73% → 3.53% → 3.43% → 3.38% → 3.53%
Avidia Bank Leominster Branch	3.30%	$1,000	15.23	Learn More
Rate History: 4.50% → 0.75% → 3.00% → 0.75% → 3.30%
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)
Rockland Trust Company Milford Branch	3.25%	$1,000	14.06	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
Citibank, National Association Wellesley Center Branch	3.00%	$0	13.79	Learn More
Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00%
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)
TD Bank, National Association Auburn Branch	2.75% 0.05%	$10,001 $10,000	19.60	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)
Charles River Bank Charles River Bank Branch	2.50%	$1,000	17.82	Learn More Add Review
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	1.05%	$0	21.08	Learn More Add Review
Dedham Institution for Savings Dedham Institution For Savings Branch	1.00%	$1,000	15.54	Learn More Add Review
Fidelity Co-operative Bank Princeton Branch	0.80%	$1,000	18.14	Learn More
Rate History: 0.75% → 0.80%
burtlaman@verizon.net \| Jun 13, 2016 I'm interested in your special sav send info Read More Reviews (1)
Bay State Savings Bank Mill Street Branch	0.75%	$1,000	17.17	Learn More Add Review
Rollstone Bank & Trust Fitchgate Branch	0.50%	$500	21.69	Learn More Add Review
Cornerstone Bank Leiceister Branch	0.50%	$10,000	21.73	Learn More Add Review
UniBank for Savings Willows Branch	0.50%	$2,500	15.42	Learn More Add Review
Dean Co-operative Bank Mendon Branch	0.50%	$500	17.10	Learn More Add Review
MutualOne Bank Lincoln Street Branch	0.40%	$500	6.16	Learn More
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Main Street Bank Lunenburg Branch	0.35%	$10,000	19.31	Learn More Add Review
Enterprise Bank and Trust Company Fitchburg Branch	0.35%	$10,000	19.97	Learn More Add Review
StonehamBank, A Co-operative Bank Billerica Branch	0.35%	$1,000	20.43	Learn More Add Review
Rate History: 0.35% → 4.38% → 0.35%
Eagle Bank Lexington Center Branch	0.30%	$500	18.23	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.71% → 4.00% → 0.30%
Milford Federal Bank Whitinsville Branch	0.30%	$10,000	16.31	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)
Millbury National Bank Millbury National Bank Branch	0.25%	$500	15.76	Learn More Add Review
Rate History: 1.51% → 0.25%
Cambridge Savings Bank Acton Branch	0.25%	$10,000	11.48	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
The Bank of Canton Auburn Loan Production Office Branch	0.25%	$2,500	21.06	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	17.02	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
Clinton Savings Bank West Boylston Branch	0.15%	$10	12.74	Learn More Add Review
Brookline Bank Wellesley Hills Branch	0.10%	$10,000	14.30	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)
Country Bank for Savings 1084 Main Street Branch	0.10%	$500	20.50	Learn More Add Review
Rate History: 0.10% → 0.40% → 0.10%
Watertown Savings Bank Lexington Branch	0.10%	$10,000	17.42	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)
Washington Savings Bank Washington Savings Bank Branch	0.10%	$500	23.74	Learn More Add Review
Rate History: 0.20% → 0.10%
Eastern Bank Westford Branch	0.05%	$10,000	16.03	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)
Webster Five Cents Savings Bank Oxford Branch	0.05%	$10	23.22	Learn More Add Review
Rate History: 0.50% → 4.07% → 0.05%

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Marlborough, MA - August 1, 2025

Branch	Street	City	State
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
Reading Co-operative Bank Burlington Office Branch	10 Wall Street	Burlington	MA
Leader Bank, National Association Burlington Branch	50 Mall Rd	Burlington	MA
Savers Co-operative Bank Auburn Branch	38 Auburn Street	Auburn	MA
Needham Bank Ashland Branch	41 Front Street	Ashland	MA
Salem Five Cents Savings Bank Sudbury Branch	19 Concord Road	Sudbury	MA
Middlesex Savings Bank Home/Phone Banking Branch Informatio	120 Flanders Rd	Westborough	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Wrentham Co-operative Bank South Street Branch	1005 South Street	Wrentham	MA
Beal Bank USA Boston Branch	161 Linden Street, Ssuite 105	Wellesley	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
Bank of America, National Association Bank Of America, National Association Branch	324 Main Street	Oxford	MA
Bristol County Savings Bank Franklin Branch	365 West Central Street	Franklin	MA
Avidia Bank Leominster Branch	470 Lancaster Street	Leominster	MA
Rockland Trust Company Milford Branch	221 Main Street	Milford	MA
Citibank, National Association Wellesley Center Branch	84 Central Street	Wellesley	MA
TD Bank, National Association Auburn Branch	614 Southbridge Street	Auburn	MA
Charles River Bank Charles River Bank Branch	1 Hasting St	Mendon	MA
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	982 Main Street	Walpole	MA
Dedham Institution for Savings Dedham Institution For Savings Branch	74 Main Street	Medway	MA
Fidelity Co-operative Bank Princeton Branch	206 Worcester Road	Princeton	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Rollstone Bank & Trust Fitchgate Branch	John Fitch Highway	Fitchburg	MA
Cornerstone Bank Leiceister Branch	121 South Main Street	Leicester	MA
UniBank for Savings Willows Branch	101 Barry Road	Worcester	MA
Dean Co-operative Bank Mendon Branch	32 Hastings Street	Mendon	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Main Street Bank Lunenburg Branch	947 Massachusetts Avenue Branch	Lunenburg	MA
Enterprise Bank and Trust Company Fitchburg Branch	420 John Fitch Highway	Fitchburg	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Milford Federal Bank Whitinsville Branch	1271 Providence Road	Whitinsville	MA
Millbury National Bank Millbury National Bank Branch	18 Main Street	Millbury	MA
Cambridge Savings Bank Acton Branch	145 Great Road	Acton	MA
The Bank of Canton Auburn Loan Production Office Branch	850 Southbridge Street	Auburn	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Clinton Savings Bank West Boylston Branch	306 West Boylston Street	West Boylston	MA
Brookline Bank Wellesley Hills Branch	448 Washington St	Wellesley	MA
Country Bank for Savings 1084 Main Street Branch	1084 Main Street	Leicester	MA
Watertown Savings Bank Lexington Branch	1075 Waltham Street	Lexington	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
Eastern Bank Westford Branch	203 Littleton Road	Westford	MA
Webster Five Cents Savings Bank Oxford Branch	343 Main Street	Oxford	MA
TD Bank, National Association Auburn Branch	614 Southbridge Street	Auburn	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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Marlborough, Massachusetts CD Rates – 6-Month

Branches Info around Marlborough, 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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