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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Newton
Below are the best six-month CD Rates from banks with branches in Newton, 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.
Newton, MA - August 1, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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5.32% |
$1,000 |
10.86 |
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Rate History: 0.25% → 5.32% |
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5.00% |
$500 |
19.23 |
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4.75% |
$500 |
9.10 |
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Rate History: 3.75% → 4.75% |
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4.50% 4.00% |
$500 $501 |
19.15 |
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Rate History: 4.75% → 5.15% → 5.00% → 4.75% → 4.50% |
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Maggie | May 11, 2023 They made mistakes twice and would not correct them Read More |
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4.50% |
$500 |
7.34 |
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Rate History: 5.00% → 4.65% → 4.20% → 4.50% |
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|
4.50% |
$1,000 |
12.53 |
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Rate History: 4.50% → 4.75% → 4.50% |
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|
4.50% |
$2,500 |
20.43 |
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Rate History: 0.75% → 4.75% → 4.50% |
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|
4.50% |
$1,000 |
9.21 |
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Rate History: 5.30% → 5.25% → 5.00% → 4.75% → 4.50% |
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4.40% |
$10,000 |
- |
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Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40% |
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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 |
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4.40% |
$25,000 |
- |
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Early Withdrawal Penalty is 90 days interest. |
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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 |
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4.35% |
$1,000 |
- |
Learn More
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Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.35% |
$1,000 |
15.99 |
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Rate History: 4.50% → 4.40% → 4.25% → 4.35% |
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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 |
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|
4.30% |
$1,000 |
6.24 |
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Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30% |
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|
4.25% |
$2,500 |
12.09 |
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Rate History: 0.05% → 5.00% → 4.50% → 4.25% |
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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 |
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4.25% |
$10 |
18.49 |
Learn More
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Rate History: 5.00% → 4.75% → 4.25% |
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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 |
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4.25% |
$2,500 |
11.31 |
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Rate History: 0.50% → 4.75% → 4.35% → 0.75% → 4.25% |
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|
4.25% |
$1,000 |
23.53 |
Learn More
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Rate History: 0.25% → 5.25% → 5.00% → 4.25% |
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4.20% |
$1,000 |
6.70 |
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Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20% |
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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 |
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4.20% |
$1,000 |
15.24 |
Learn More
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Rate History: 2.50% → 4.50% → 4.25% → 4.07% → 4.20% |
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4.15% |
$2,500 |
- |
Learn More
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Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15% |
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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 |
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4.10% |
$1,001 |
23.46 |
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Rate History: 4.90% → 4.75% → 4.50% → 5.00% → 4.10% |
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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 |
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4.00% |
$2,500 |
8.04 |
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Rate History: 5.30% → 5.00% → 4.80% → 4.00% |
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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 |
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4.00% |
$1,000 |
19.38 |
Learn More
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Rate History: 3.75% → 4.50% → 4.25% → 4.13% → 4.00% |
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3.90% |
$2,000 |
24.94 |
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Rate History: 4.50% → 4.25% → 4.15% → 4.00% → 3.90% |
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3.75% |
$20 |
7.80 |
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Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.75% |
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Andrea | Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More |
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3.75% |
$500 |
21.35 |
Learn More
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Rate History: 0.10% → 4.75% → 4.25% → 4.00% → 3.75% |
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3.75% |
$1,000 |
22.39 |
Learn More
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Rate History: 4.50% → 3.25% → 4.15% → 4.05% → 3.75% |
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Jacob | Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More |
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3.75% |
$10,000 |
19.01 |
Learn More
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Rate History: 4.00% → 3.75% |
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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 |
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3.53% |
$5,000 |
21.92 |
Learn More
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Rate History: 3.73% → 3.53% → 3.43% → 3.38% → 3.53% |
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3.30% |
$1,000 |
18.79 |
Learn More
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Rate History: 4.50% → 0.75% → 3.00% → 0.75% → 3.30% |
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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 |
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3.25% |
$1,000 |
21.63 |
Learn More
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Rate History: 3.75% → 4.00% → 3.75% → 3.50% → 3.25% |
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Sanshir | Sep 14, 2023 Used them my whole life! Great little bank! Read More |
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3.00% |
$0 |
- |
Learn More
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Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00% |
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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 |
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3.00% |
$0 |
7.03 |
Learn More
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Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00% |
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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 |
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2.75% 0.05% |
$10,001 $10,000 |
21.67 |
Learn More
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Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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2.50% |
$1,000 |
23.38 |
Learn More
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2.25% |
$500 |
18.54 |
Learn More
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Rate History: 0.25% → 4.40% → 2.25% |
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Karen nicoli | Jan 23, 2017 2.50 Read More |
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2.00% |
$25,000 |
6.11 |
Learn More
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Rate History: 2.50% → 2.51% → 2.01% → 2.00% |
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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 |
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1.50% |
$10,000 |
7.33 |
Learn More
|
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Rate History: 3.00% → 2.00% → 1.50% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.05% |
$0 |
14.72 |
Learn More
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1.00% |
$1,000 |
18.33 |
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0.50% |
$2,500 |
23.65 |
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0.50% |
$10,000 |
4.56 |
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0.50% |
$10,000 |
7.48 |
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0.50% |
$500 |
22.56 |
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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 |
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0.45% |
$10,000 |
15.15 |
Learn More
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0.40% |
$500 |
13.42 |
Learn More
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Thomas DeMauro | Aug 28, 2022 Rates are totally uncompetitive now. Read More |
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0.35% |
$10,000 |
19.04 |
Learn More
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0.35% |
$10,000 |
19.32 |
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0.35% |
$10,000 |
13.87 |
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0.35% |
$1,000 |
14.15 |
Learn More
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Rate History: 0.35% → 4.38% → 0.35% |
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0.30% |
$500 |
6.81 |
Learn More
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Rate History: 4.25% → 4.10% → 3.71% → 4.00% → 0.30% |
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0.30% |
$10,000 |
23.05 |
Learn More
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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 |
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0.30% |
$500 |
4.69 |
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0.25% |
$50,000 |
6.66 |
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0.25% |
$10,000 |
12.14 |
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0.25% |
$10,000 |
15.00 |
Learn More
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rand | Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More |
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0.25% |
$2,500 |
14.05 |
Learn More
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Rate History: 0.20% → 0.25% |
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.20% |
$1,000 |
4.30 |
Learn More
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Rate History: 1.00% → 0.20% |
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0.20% |
$500 |
7.89 |
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0.20% |
$500 |
16.55 |
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0.20% |
$1,000 |
7.63 |
Learn More
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Rate History: 1.00% → 0.20% |
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0.15% |
$10,000 |
- |
Learn More
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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 |
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0.10% |
$10,000 |
6.18 |
Learn More
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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 |
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0.10% |
$10,000 |
18.78 |
Learn More
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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 |
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0.10% |
$10,000 |
16.31 |
Learn More
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0.10% |
$10,000 |
6.46 |
Learn More
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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 |
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0.10% |
$500 |
20.91 |
Learn More
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Rate History: 0.20% → 0.10% |
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0.10% |
$1,000 |
24.32 |
Learn More
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0.10% |
$10,000 |
22.13 |
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0.05% |
$10,000 |
19.31 |
Learn More
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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 |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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