Highest 3-Year CD Rates in Massachusetts
60 Massachusetts-specific 36-Month CD products
The Massachusetts market
Massachusetts accounts
60
Institutions
52
Top Massachusetts APY
4.30% APY
Nationally: 4.85% APY
FDIC national average
1.36%
As of Sep 2026
60 36-month CDs are open only to Massachusetts residents, from 52 institutions. The highest advertised APY among them is 4.30%.
The highest nationally available rate is 4.85% APY, 55 basis points above the Massachusetts leader.
43 of the 60 Massachusetts 36-month CDs advertise more than the FDIC national average of 1.36% for 36-month CDs as of Sep 2026.
Massachusetts-Specific 36-Month CD Rates
36-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 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #2 | 4.28%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #3 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #4 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #5 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #6 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #7 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $2,000 | ||
| #9 | 3.25%APY Observed: Oct 7, 2026 | $1,000 | ||
| #10 | 3.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #11 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #12 | 3.25%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #13 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.15%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #15 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #16 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #17 | 3.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.00%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #19 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #20 | 3.00%APY Observed: Oct 9, 2026 Branches: Yes | $500 | ||
| #21 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #23 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 2.45%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #25 | 2.45%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #26 | 2.35%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #27 | 2.35%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #28 | 2.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #29 | 2.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #30 | 2.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #31 | 2.20%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #32 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #33 | 2.02%APY Observed: Oct 7, 2026 | $500 | ||
| #34 | 2.02%APY Observed: Oct 7, 2026 | $500 | ||
| #35 | 2.00%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #36 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | 2.00%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #38 | 2.00%APY Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #39 | 2.00%APY That 2.00% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $250 | ||
| #40 | 1.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | 1.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 1.69%APY Observed: Oct 7, 2026 | $500 | ||
| #43 | 1.50%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #44 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #45 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #46 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #48 | 0.75%APY Observed: Oct 3, 2026 | $500 | ||
| #49 | 0.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #50 | 0.65%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$2,000
Yes
$1,000
N/A
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
N/A
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
N/A
$500
N/A
$500
Yes
$1,000
Yes
N/A
Yes
N/A
Yes
That 2.00% is a promotional rate.
$250
Yes
$500
Yes
$1,000
Yes
$500
N/A
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
N/A
Yes
$500
N/A
$500
Yes
$500
Yes
Nationally Available 36-Month CD Rates
The 8 highest 36-Month CD rates available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 36 Months36 months | 4.85% |
| Barclays | 36-Month CD36 months | 4.50% |
| Bread Savings | 3-Year CD36 months | 4.50% |
| Sallie Mae Bank | 36-Month Certificates of deposit CDs36 months | 4.45% |
| E*TRADE from Morgan Stanley | 36-Month Certificates of Deposit36 months | 4.40% |
| Marcus by Goldman Sachs | 3 Year CD36 months | 4.40% |
| Synchrony Bank | 36 Month CD36 months | 4.40% |
| KS StateBank | 3 Year CD36 months | 4.35% |