Best 9-Month CD Rates in Massachusetts, MA

You are viewing rates from banks across Massachusetts

Below are the best nine-month CD Rates from banks with branches in Massachusetts. Nine-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 9 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for nine months.

MA - July 30, 2025

Banks	APY	MIN	MILES ^?
Newburyport Five Cents Savings Bank Salisbury Branch	5.35% 3.26%	$25,000 $2,500	-	Learn More
Rate History: 1.00% → 4.90% → 5.35%
Richard Cushing \| Mar 27, 2019 Still waiting for a call back from Liz over a long standing,annoying account problem Read More Reviews (1)
MutualOne Bank Lincoln Street Branch	5.00%	$5,000	-	Learn More
Rate History: 0.40% → 5.00%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Northern Bank & Trust Company Northern Bank & Trust Company Branch	5.00%	$500	-	Learn More Add Review
Rate History: 1.00% → 0.40% → 5.60% → 5.30% → 5.00%
Dean Co-operative Bank Blackstone Branch	4.83%	$1,000	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 5.00% → 4.83%
Washington Savings Bank Washington Savings Bank Branch	4.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.75%
The Cape Cod Five Cents Savings Bank Falmouth Branch	4.75%	$1,000	-	Learn More
Rate History: 1.00% → 0.08% → 4.75%
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)
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	-	Learn More Add Review
Rate History: 5.10% → 5.05% → 4.55%
Jason T \| May 30, 2023 They really do pay this amount, but the account lacks any functionality and they are constantly looking for some sort of add-on fee to enable them to claw back the interest. Any bank with a higher rate an... Read More
Needham Bank Medfield Branch	4.50%	$1,000	-	Learn More
Rate History: 1.00% → 4.50%
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)
Everett Co-operative Bank Everett Co-Operative Bank Branch	4.50%	$500	-	Learn More Add Review
Rate History: 1.00% → 5.00% → 4.75% → 4.50%
Leader Bank, National Association Central Square Branch	4.50%	$1,000	-	Learn More Add Review
Rate History: 5.30% → 5.25% → 5.00% → 4.75% → 4.50%
Canadian Imperial Bank USA	4.31%	$1,000	-	Learn More Add Review
Rate History: 4.61% → 4.63% → 4.43% → 4.51% → 4.31%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Citibank, National Association Harvard Square Financial Center Branch	4.25%	$0	-	Learn More
Rate History: 3.75% → 2.50% → 4.10% → 3.00% → 4.25%
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)
Forbright Bank	4.25%	$1,000	-	Learn More
Rate History: 4.75% → 4.50% → 4.25% → 4.00% → 4.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
Middlesex Savings Bank Framingham Branch	4.25%	$10	-	Learn More
Rate History: 1.00% → 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)
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	4.25%	$0	-	Learn More Add Review
Rate History: 4.40% → 4.35% → 4.25% → 4.10% → 4.25%
BankGloucester Bankgloucester Branch	4.25%	$500	-	Learn More Add Review
Rate History: 5.25% → 4.75% → 4.60% → 4.50% → 4.25%
Bask Bank, a division of Texas Capital Bank	4.25%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 4.50% → 4.40% → 4.35% → 4.25%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Goldman Sachs Bank	4.20%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.20% → 4.10% → 4.30% → 4.20%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Rate History: 4.70% → 4.60% → 4.60% → 4.00% → 4.20%
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)
Merrick Bank	4.20%	$25,000	-	Learn More
Rate History: 4.30% → 4.25% → 4.35% → 4.15% → 4.20%
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)
Customers Bank	4.15%	$500	-	Learn More
Rate History: 4.25% → 4.15%
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)
Salem Five Direct	4.15%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 4.20% → 4.00% → 3.75% → 3.50% → 4.15%
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
M.Y. Safra Bank	4.15%	$500	-	Learn More
Rate History: 2.25% → 4.95%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Salem Five Cents Savings Bank Stoneham Branch	4.15%	$10,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 3.75% → 4.15%
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)
Charles Schwab Bank, SSB	4.12%	$1,000	-	Learn More
Rate History: 4.27% → 4.28% → 4.27% → 4.32% → 4.12%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	4.10% 0.25%	$500 $50,000	-	Learn More
Rate History: 4.50% → 3.75% → 4.30% → 2.25% → 4.10%
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
Easthampton Savings Bank Westfield Branch	4.05% 3.85%	$1,001 $1,000	-	Learn More Add Review
Rate History: 4.75% → 4.50% → 4.35% → 4.15% → 4.05%
Hingham Savings	4.00%	$1,000	-	Learn More Add Review
The Village Bank Waban Branch	4.00%	$20	-	Learn More
Rate History: 4.00% → 4.50% → 5.00% → 4.25% → 4.00%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Haverhill Bank West Main Street Branch	4.00%	$500	-	Learn More Add Review
Rate History: 3.30% → 5.00% → 4.75% → 4.50% → 4.00%
The Lowell Five Cent Savings Bank Vocational Technical School Branch	4.00%	$2,500	-	Learn More Add Review
Rate History: 5.00% → 4.85% → 4.50% → 4.25% → 4.00%
Northern Bank Direct	4.00%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 6 months interest. Rate History: 5.00% → 5.50% → 5.00% → 4.75% → 4.00%
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
First Foundation Bank	4.00%	$2,500	-	Learn More
Rate History: 5.00% → 4.75% → 4.40% → 4.10% → 4.00%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Barclays Bank Delaware	4.00%	$0	-	Learn More
Rate History: 4.25% → 4.00% → 3.80% → 4.10% → 4.00%
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)
Discover Bank	4.00%	$2,500	-	Learn More Add Review
Rate History: 5.10% → 4.40% → 4.00% → 3.80% → 4.00%
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
Synchrony Bank	3.90%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.05% → 4.30% → 4.00% → 3.90%
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
Martha's Vineyard Bank Four Flags Condominium Branch	3.90%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 4.30% → 4.00% → 3.75% → 3.90%
Ally Bank	3.90%	$0	-	Learn More Add Review
Rate History: 4.50% → 4.20% → 4.10% → 4.00% → 3.90%
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
Bread Savings, a division of Bread Financial	3.80%	$1,500	-	Learn More Add Review
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Capital One 360	3.80%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.80%
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
TIAA Bank / Everbank	3.80%	$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: 4.00% → 3.90% → 4.00% → 4.10% → 3.80%
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
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.30% → 4.25% → 4.00% → 3.80%
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)
Capital One, National Association	3.80%	$0	-	Learn More
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
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)
Bay State Savings Bank Grafton Street Branch	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.50% → 4.25% → 4.00% → 3.85% → 3.75%
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	3.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 3.75% → 4.25% → 4.00% → 3.75%
TD Bank, National Association Brewster Branch	3.75% 1.00%	$10,000 $10,001	-	Learn More
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Virtualbank, a division of First Horizon Bank	3.56%	$10,000	-	Learn More Add Review
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
Cape Ann Savings Bank Granite Br Branch	3.55%	$500	-	Learn More Add Review
Rate History: 5.12% → 4.85% → 4.59% → 4.07% → 3.55%
Marblehead Bank Marblehead Bank Branch	3.51%	$500	-	Learn More Add Review
Rate History: 5.00% → 3.00% → 5.00% → 3.75% → 3.51%
Rockland Trust Company Osterville Branch	3.50%	$1,000	-	Learn More
Rate History: 3.00% → 3.50%
Sanshir \| Sep 14, 2023 Used them my whole life! Great little bank! Read More Reviews (3)
U.S. Bank National Association	3.40% 0.05%	$1,000 $500	-	Learn More
Rate History: 4.75% → 4.50% → 4.00% → 3.70% → 3.40%
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)
Bristol County Savings Bank East Freetown Branch	3.31%	$5,000	-	Learn More Add Review
Rate History: 4.02% → 3.72% → 3.47% → 3.21% → 3.31%
Avidia Bank Willows Branch	3.30%	$1,000	-	Learn More
Rate History: 4.29% → 3.75% → 3.50% → 3.45% → 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)
Reading Co-operative Bank Reading Memorial High School Branch	3.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 3.25%
City National Bank	3.04%	$10,000	-	Learn More Add Review
Rate History: 1.00% → 3.56% → 3.04%
HarborOne Bank Sensata Business Center Branch	3.00%	$1,000	-	Learn More
Rate History: 4.50% → 4.75% → 4.40% → 3.25% → 3.00%
Jacob \| Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More Reviews (2)
USAA Federal Savings Bank	2.25%	$1,000	-	Learn More
Rate History: 5.00% → 4.50% → 4.40% → 3.20% → 2.25%
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)
USAA Federal Savings Bank	2.00%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 3.20% → 2.00%
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
Santander Bank, N.A. Braintree Branch	2.00%	$501	-	Learn More
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
JPMorgan Chase Bank, National Association Boston Branch	2.00%	$10,000	-	Learn More
Rate History: 4.75% → 4.50% → 4.00% → 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	1.00%	$1,000	-	Learn More Add Review
Rate History: 4.80% → 4.50% → 4.39% → 4.30% → 1.00%
Athol Savings Bank Barre Branch	1.00%	$500	-	Learn More Add Review
Rate History: 1.00% → 5.05% → 1.00%
Mechanics Cooperative Bank Taunton Branch	1.00%	$500	-	Learn More Add Review
Greenfield Savings Bank Conway Branch	0.40%	$10	-	Learn More Add Review
Rate History: 1.00% → 4.59% → 4.33% → 0.40%
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	0.35%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 4.00% → 4.25% → 4.00% → 0.35%
Commonwealth Co-operative Bank Boston Branch	0.25%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.25%
Colonial Federal Savings Bank Holbrook Branch	0.25%	$1,000	-	Learn More Add Review
Rate History: 0.20% → 0.25%
The Savings Bank Main Street Branch	0.20%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.20% → 0.10% → 0.20%
OneUnited Bank Grove Hall Branch	0.15%	$1,000	-	Learn More Add Review
Bank Hometown Athol Branch	0.15%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.15%
Monson Savings Bank Hampden Branch	0.10%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.10%
Country Bank for Savings Brimfield Branch	0.10%	$500	-	Learn More Add Review
Rate History: 4.33% → 3.82% → 0.10% → 4.60% → 0.10%
Bluestone Bank Bridgewater Savings Bank Branch	0.10%	$2,000	-	Learn More Add Review
Rate History: 1.00% → 5.00% → 5.15% → 0.10%
PNC Bank, National Association	0.05%	$1,000	-	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 Montreal Harris	0.05%	$1,000	-	Learn More Add Review
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
PeoplesBank Hampden Street Branch	0.05%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 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 zip 10007

Branch	Street	City	State
Newburyport Five Cents Savings Bank Salisbury Branch	Merrill Street And Route 110	Salisbury	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Northern Bank & Trust Company Northern Bank & Trust Company Branch	89 Elm Street	Woburn	MA
Dean Co-operative Bank Blackstone Branch	8 Main Street	Blackstone	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
The Cape Cod Five Cents Savings Bank Falmouth Branch	668 Main Street	Falmouth	MA
Needham Bank Medfield Branch	520 Main Street	Medfield	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	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
Middlesex Savings Bank Framingham Branch	899 Edgell Road	Framingham	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
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	Storey Avenue And Woodmen Way	Newburyport	MA
Bankesb Westfield Branch	85 Broad Street	Westfield	MA
The Village Bank Waban Branch	89 Wyman Street	Waban	MA
Haverhill Bank West Main Street Branch	6 Main Street	Merrimac	MA
The Lowell Five Cent Savings Bank Vocational Technical School Branch	Route 113 Pawtucket Boulevard	Tyngsboro	MA
Martha's Vineyard Bank Four Flags Condominium Branch	Unit #10, Vineyard Haven Road, Post Office Square	Edgartown	MA
Bankesb Westfield Branch	85 Broad Street	Westfield	MA
Bay State Savings Bank Grafton Street Branch	799 Grafton Streeet	Worcester	MA
Stoughton Co-operative Bank Stoughton Co-Operative Bank Branch	950 Park Street	Stoughton	MA
TD Bank, National Association Brewster Branch	Route 6a And Underpass Road	Brewster	MA
Cape Ann Savings Bank Granite Br Branch	247 Main Street	Rockport	MA
Marblehead Bank Marblehead Bank Branch	21 Atlantic Avenue	Marblehead	MA
Rockland Trust Company Osterville Branch	57 West Bay Road	Osterville	MA
Bristol County Savings Bank East Freetown Branch	One Chace Road	East Freetown	MA
Avidia Bank Willows Branch	One Lyman Street	Westborough	MA
Newburyport Five Cents Savings Bank Salisbury Branch	Merrill Street And Route 110	Salisbury	MA
Reading Co-operative Bank Reading Memorial High School Branch	62 Oakland Road	Reading	MA
HarborOne Bank Sensata Business Center Branch	529 Pleasant Street	Attleboro	MA
Santander Bank, N.A. Braintree Branch	30 Forbes Road	Braintree	MA
JPMorgan Chase Bank, National Association Boston Branch	50 Rowes Wharf, Floor 4	Boston	MA
TD Bank, National Association Brewster Branch	Route 6a And Underpass Road	Brewster	MA
Hingham Institution for Savings Drive-In Branch	71 Main Street	Hingham	MA
Athol Savings Bank Barre Branch	560 Summer Street	Barre	MA
Mechanics Cooperative Bank Taunton Branch	75 County Street	Taunton	MA
Greenfield Savings Bank Conway Branch	Parsons Road And Route 116	Conway	MA
StonehamBank, A Co-operative Bank Stonehambank, A Co-Operative Bank Branch	80 Montvale Avenue	Stoneham	MA
Institution for Savings in Newburyport and Its Vicinity Newburyport Storey Avenue Office And Branch	Storey Avenue And Woodmen Way	Newburyport	MA
Commonwealth Co-operative Bank Boston Branch	25 Court Street	Boston	MA
Colonial Federal Savings Bank Holbrook Branch	819 South Franklin Street	Holbrook	MA
The Savings Bank Main Street Branch	907 Main Street	Wakefield	MA
OneUnited Bank Grove Hall Branch	648 Warren Street	Dorchester	MA
Bankhometown Athol Branch	90 Exchange St	Athol	MA
Monson Savings Bank Hampden Branch	15 Somers Road	Hampden	MA
Country Bank for Savings Brimfield Branch	9 Main Street (South Side)	Brimfield	MA
Bluestone Bank Bridgewater Savings Bank Branch	756 Orchard Street	Raynham	MA
PeoplesBank Hampden Street Branch	825 Hampden Street	Holyoke	MA