Highest 1-Year CD Rates in Massachusetts
66 Massachusetts-specific 12-Month CD products
The Massachusetts market
Massachusetts accounts
66
Institutions
57
Top Massachusetts APY
4.50% APY
Nationally: 4.75% APY
FDIC national average
1.73%
As of Sep 2026
66 12-month CDs are open only to Massachusetts residents, from 57 institutions. The highest advertised APY among them is 4.50%.
The highest nationally available rate is 4.75% APY, 25 basis points above the Massachusetts leader.
42 of the 66 Massachusetts 12-month CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Massachusetts-Specific 12-Month CD Rates
12-Month CD rates specifically available to Massachusetts residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.50%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #2 | 4.20%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #3 | 4.15%APY That 4.15% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $250 | ||
| #4 | 4.15%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #5 | 4.00%APY Observed: Oct 9, 2026 Branches: Yes | $500 | ||
| #6 | 4.00%APY Observed: Oct 10, 2026 Branches: Yes | $1,000 | ||
| #7 | 4.00%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #8 | 3.90%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #9 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #10 | 3.85%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #11 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #12 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #14 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #15 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #16 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #17 | Up to3.65%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.50%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #21 | 3.44%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | 3.25%APY Observed: Oct 7, 2026 | $1,000 | ||
| #23 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #24 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #25 | 3.00%APY Observed: Oct 13, 2026 Branches: Yes | $100 | ||
| #26 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #27 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #29 | 2.88%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #30 | 2.78%APY Observed: Oct 3, 2026 | $500 | ||
| #31 | 2.76%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #32 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #33 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | 2.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | 2.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 2.50%APY Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #39 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #40 | 2.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #41 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #42 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #43 | 1.50%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #44 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #45 | 1.15%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #46 | 1.02%APY Observed: Oct 7, 2026 | $500 | ||
| #47 | 1.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #48 | 1.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 1.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #50 | 0.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$500
Yes
$1,000
Yes
That 4.15% is a promotional rate.
$250
Yes
$500
Yes
$500
Yes
$1,000
Yes
N/A
Yes
$500
Yes
$10,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
N/A
N/A
Yes
$1,000
Yes
$100
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
N/A
N/A
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
N/A
$1,000
Yes
$1,000
Yes
N/A
Yes
$500
Yes
Nationally Available 12-Month CD Rates
The 8 highest 12-Month CD rates available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Barclays | 12-Month CD12 months | 4.50% |
| Popular Direct | 12 Months12 months | 4.50% |
| Bread Savings | 1-Year CD12 months | 4.45% |
| Live Oak Bank | 1 Year Personal CD12 months | 4.40% |
| Marcus by Goldman Sachs | 12-Month CD12 months | 4.40% |
| Sallie Mae Bank | 12-Month Certificates of deposit CDs12 months | 4.40% |
| Bask Bank | 12-Month12 months | 4.35% |