Highest 2-Year CD Rates in Massachusetts
63 Massachusetts-specific 24-Month CD products
The Massachusetts market
Massachusetts accounts
63
Institutions
55
Top Massachusetts APY
4.30% APY
Nationally: 4.75% APY
FDIC national average
1.61%
As of Sep 2026
63 24-month CDs are open only to Massachusetts residents, from 55 institutions. The highest advertised APY among them is 4.30%.
The highest nationally available rate is 4.75% APY, 45 basis points above the Massachusetts leader.
40 of the 63 Massachusetts 24-month CDs advertise more than the FDIC national average of 1.61% for 24-month CDs as of Sep 2026.
Massachusetts-Specific 24-Month CD Rates
24-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 | 4.30%APY That 4.30% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $250 | ||
| #2 | 4.30%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #3 | 4.18%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #4 | 3.92%APY Observed: Oct 9, 2026 Branches: Yes | $500 | ||
| #5 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #6 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #7 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #8 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #9 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #10 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #12 | 3.51%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #13 | 3.50%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #14 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $2,000 | ||
| #15 | 3.25%APY Observed: Oct 7, 2026 | $1,000 | ||
| #16 | 3.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #17 | 3.25%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.15%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | 2.75%APY Observed: Oct 9, 2026 Branches: Yes | $500 | ||
| #23 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #25 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #26 | 2.65%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #27 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 2.50%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #30 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #31 | 2.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #32 | 2.25%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #33 | 2.20%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 2.15%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #35 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #37 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 2.00%APY Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #41 | 1.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #42 | 1.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #43 | 1.31%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #44 | 1.28%APY Observed: Oct 7, 2026 | $500 | ||
| #45 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #46 | 1.05%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #47 | 1.00%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #48 | 0.75%APY Observed: Oct 3, 2026 | $500 | ||
| #49 | 0.65%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #50 | 0.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
That 4.30% is a promotional rate.
$250
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
N/A
Yes
$2,000
Yes
$1,000
N/A
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$500
Yes
N/A
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
N/A
N/A
Yes
$500
Yes
$500
Yes
$500
N/A
$500
Yes
$500
Yes
Nationally Available 24-Month CD Rates
The 8 highest 24-Month CD rates available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| Barclays | 24-Month CD24 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |
| Happen Bank | 2-Year CD24 months | 4.60% |
| Bread Savings | 2-Year CD24 months | 4.45% |
| E*TRADE from Morgan Stanley | 24-Month Certificates of Deposit24 months | 4.40% |
| Marcus by Goldman Sachs | 2 Year CD24 months | 4.40% |
| Sallie Mae Bank | 24-Month Certificates of deposit CDs24 months | 4.40% |
| Vio Bank | 24-Month Online Certificate of Deposit CD24 months | 4.40% |