Highest 6-Month CD Rates in Massachusetts
61 Massachusetts-specific 6-Month CD products
The Massachusetts market
Massachusetts accounts
61
Institutions
53
Top Massachusetts APY
4.10% APY
Nationally: 4.35% APY
FDIC national average
1.41%
As of Sep 2026
61 6-month CDs are open only to Massachusetts residents, from 53 institutions. The highest advertised APY among them is 4.10%.
The highest nationally available rate is 4.35% APY, 25 basis points above the Massachusetts leader.
43 of the 61 Massachusetts 6-month CDs advertise more than the FDIC national average of 1.41% for 6-month CDs as of Sep 2026.
Massachusetts-Specific 6-Month CD Rates
6-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 | 4.10%APY Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #2 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #3 | 4.00%APY Observed: Oct 9, 2026 Branches: Yes | $500 | ||
| #4 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #5 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #6 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #7 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #9 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #10 | 3.63%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #11 | 3.56%APY Observed: Oct 3, 2026 | $500 | ||
| #12 | 3.56%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.56%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #14 | 3.51%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #16 | 3.50%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #17 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #19 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #20 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #21 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #22 | 3.35%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #23 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #25 | 3.25%APY Observed: Oct 7, 2026 | $1,000 | ||
| #26 | 3.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #27 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #28 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.15%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.10%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #31 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #32 | 2.76%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #33 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #34 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | 2.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #39 | 2.50%APY Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #40 | 2.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #41 | 2.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #42 | 2.00%APY That 2.00% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $250 | ||
| #43 | 1.50%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #44 | 1.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #45 | 0.66%APY Observed: Oct 7, 2026 | $2,500 | ||
| #46 | 0.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 0.50%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #48 | 0.35%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #49 | 0.35%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #50 | 0.35%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 |
$2,500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$10,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
N/A
$500
Yes
$500
Yes
$500
Yes
$2,500
Yes
N/A
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$500
Yes
N/A
Yes
$1,000
Yes
$500
Yes
$2,500
Yes
$1,000
N/A
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$500
Yes
$500
Yes
That 2.00% is a promotional rate.
$250
Yes
$500
Yes
$1,000
Yes
$2,500
N/A
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
Nationally Available 6-Month CD Rates
The 8 highest 6-Month CD rates available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 6 Months6 months | 4.35% |
| Climate First Bank | 6-Month CD6 months | 4.33% |
| Happen Bank | 6-Month CD6 months | 4.30% |
| Newtek Bank | 6-Month CD6 months | 4.30% |
| Ivy Bank | 6-Month High-Yield Certificate of Deposit6 months | 4.25% |
| E*TRADE from Morgan Stanley | 6-Month Certificates of Deposit6 months | 4.20% |
| Live Oak Bank | 6-Month Personal CD6 months | 4.20% |
| Colorado Federal Savings Bank | 6-Month CD6 months | 4.15% |