Highest Bump-Up CD Rates in Massachusetts
8 Massachusetts-specific products
The Massachusetts market
Massachusetts accounts
8
Institutions
4
Top Massachusetts APY
2.75% APY
Nationally: 4.35% APY
FDIC national average
1.73%
As of Sep 2026
8 bump-up CDs are open only to Massachusetts residents, from 4 institutions. The highest advertised APY among them is 2.75%.
The highest nationally available rate is 4.35% APY, 160 basis points above the Massachusetts leader.
2 of the 8 Massachusetts bump-up CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Massachusetts-Specific Bump-Up CDs Rates
Bump-Up CDs rates specifically available to Massachusetts residents.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #2 | 2.35%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #3 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #4 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #5 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #6 | 1.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #7 | 0.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 0.35%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$1,000
Yes
$1,000
Yes
N/A
Yes
$500
Yes
N/A
Yes
N/A
Yes
$500
Yes
$500
Yes
Nationally Available Bump-Up CDs Rates
The 8 highest bump-up cds rates available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| Rising Bank | Rising CD 18-Month18 months | 4.35% |
| Marcus by Goldman Sachs | 20-Month Rate Bump CD20 months | 4.35% |
| Farm Bureau Bank FSB | 1 Year CD with Step-Up Option12 monthsneeds at least $50,000 | Up to3.75% |
| Farm Bureau Bank FSB | 2 Year CD with Step-Up Option24 monthsneeds at least $50,000 | Up to3.70% |
| Farm Bureau Bank FSB | 18 Month CD with Step-Up Option18 monthsneeds at least $50,000 | Up to3.20% |
| Rising Bank | Rising CD 26-Month26 months | 3.15% |
| Farm Bureau Bank FSB | 3 Year CD with Step-Up Option36 monthsneeds at least $50,000 | Up to3.10% |
| Farm Bureau Bank FSB | 4 Year CD with Step-Up Option48 monthsneeds at least $50,000 | Up to3.10% |