Highest Business CD Rates in Massachusetts
12 Massachusetts-specific products
The Massachusetts market
Massachusetts accounts
12
Institutions
1
Top Massachusetts APY
4.30% APY
Nationally: 4.50% APY
FDIC national average
1.76%
As of Oct 2026
12 business CDs are open only to Massachusetts residents, from 1 institution. The highest advertised APY among them is 4.30%.
The highest nationally available rate is 4.50% APY, 20 basis points above the Massachusetts leader.
12 of the 12 Massachusetts business CDs advertise more than the FDIC national average of 1.76% for 12-month CDs as of Oct 2026.
Massachusetts-Specific Business CDs Rates
Business CDs rates specifically available to Massachusetts residents.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.30%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #2 | 4.15%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #3 | 4.00%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #4 | 4.00%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #5 | 3.05%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #6 | 2.33%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #7 | 2.33%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #8 | 2.33%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #9 | 2.33%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #10 | 2.33%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #11 | 2.02%APY Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #12 | 2.02%APY Observed: Oct 22, 2026 Branches: Yes | $500 |
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Nationally Available Business CDs Rates
The 8 highest business cds rates available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| Live Oak Bank | 1 Year Business CD12 months | 4.50% |
| Live Oak Bank | 9-Month Business CD9 months | 4.40% |
| Live Oak Bank | 6-Month Business CD6 months | 4.30% |
| Newtek Bank | 6-Month CD6 months | 4.30% |
| Live Oak Bank | 18-Month Business CD18 months | 4.30% |
| Prime Alliance Bank | 12-Month Business CD12 months | 4.25% |
| Prime Alliance Bank | 18-Month Business CD18 months | 4.25% |
| Prime Alliance Bank | 6-Month Business CD6 months | 4.00% |
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.