# Middlesex Savings Bank CD rates

As of October 22, 2026, Middlesex Savings Bank's highest tracked CD rate is 4.10% APY on a 7-month promotional CD ($250 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.80% to 3.80% APY.

Canonical page: https://apyledger.com/cd-rates/middlesex-savings-bank
Institution: Middlesex Savings Bank (FDIC 90183)
Aliases: 
Status: live
Last verified: 2026-10-22T14:31:12.000Z (October 22, 2026)
Official source: https://www.middlesexbank.com/Resources/Reference/Rates/Deposit-Account-Interest-Rates
Coverage: Includes 7- and 13-month promotional CDs, standard CDs and Freedom Platinum relationship rates; the relationship rates require Freedom Platinum Checking. Minimum opening deposit is $250, with a $10 balance required to earn APY. The 7-month special renews into a 6-month standard CD and the 13-month special into a 12-month standard CD at then-current rates. Early withdrawal penalties apply. The bank serves Massachusetts; confirm opening eligibility and product availability.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 3 months | $250 | 3.90% | Not ZIP-priced | −0.40% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 3 months | $250 | 3.80% | Not ZIP-priced | −0.50% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 6 months | $250 | 3.90% | Not ZIP-priced | −0.50% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 6 months | $250 | 3.80% | Not ZIP-priced | −0.60% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Special Promo Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | promotional | 7 months | $250 | 4.10% | Not ZIP-priced | −0.33% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 12 months | $250 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 12 months | $250 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Special Promo Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | promotional | 13 months | $250 | 4.10% | Not ZIP-priced | −0.50% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 18 months | $250 | 3.90% | Not ZIP-priced | −0.82% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 18 months | $250 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 24 months | $250 | 3.90% | Not ZIP-priced | −0.97% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 24 months | $250 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 36 months | $250 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 36 months | $250 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 48 months | $250 | 3.90% | Not ZIP-priced | −1.08% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 48 months | $250 | 3.80% | Not ZIP-priced | −1.18% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Freedom Platinum Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | relationship | 60 months | $250 | 3.90% | Not ZIP-priced | −1.11% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |
| Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) | standard | 60 months | $250 | 3.80% | Not ZIP-priced | −1.21% | 2026-10-22T14:31:12.000Z | [Snapshot 301](https://apyledger.com/snapshots/301) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.