Best credit union CD rates in Massachusetts
Arise Financial has the highest APY in this tracked sample of 13 institutions: 4.75% APY for 36 months, verified October 22, 2026.
These institutions list Massachusetts in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Arise Financial | 36 monthsShare Certificate · Standard | $500 | Membership required · branches in MA | 4.75% | October 22, 2026 Source text |
| Hanscom Federal Credit Union | 12 monthsShare Certificate · Standard | $1,000 | Membership required · branches in CA, MA, MD, VA | 4.50% | October 22, 2026 Source text |
| USALLIANCE Financial | 12 months12 Month Rate Special Certificate · Promotional | $500 | Membership required · branches in CT, MA, NY | 4.50% | October 22, 2026 Source text |
| Metro Credit Union (Massachusetts) | 15 monthsNew Money CD · Special | $500 | Membership required · branches in MA | 4.40% | October 22, 2026 Source text |
| Harvard Federal Credit Union | 60 months60 Month Certificate · Standard | $1,000 | Membership required · branches in MA | 4.35% | October 22, 2026 Source text |
| BCU (Baxter Credit Union) | 15 monthsNew Money CD Specials - Regular · Promotional | Not stated | Membership required · branches in 15 states | 4.30% | October 22, 2026 Source text |
| Webster First Federal Credit Union | 9 months9 Month Special Certificate · Promotional | $1,000 | Membership required · branches in MA | 4.30% | October 22, 2026 Source text |
| Jeanne D'Arc Credit Union | 24 monthsCertificate of Deposit · Promotional | $250 | Membership required · branches in MA, NH | 4.25% | October 22, 2026 Source text |
| St. Mary's Credit Union | 18 monthsRelationship Certificate · Relationship | $500 | Membership required · branches in CT, MA | 4.20% | October 22, 2026 Source text |
| Brightbridge Credit Union | 10 monthsCertificate · Standard | $500 | Membership required · branches in CT, MA, NH, RI | 4.00% | October 22, 2026 Source text |
| St. Anne's Credit Union | 18 monthsCertificates · Standard | $1,000 | Membership required · branches in MA | 4.00% | October 22, 2026 Source text |
| DCU (Digital Federal Credit Union) | 12 monthsRegular Certificate · Standard | $500 | Membership required · branches in 9 states | 3.50% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
Other Massachusetts institutions we don't verify yet
These banks and credit unions serve Massachusetts, but we do not publish their rates, so they are not ranked above. Check their current rates on their own websites.
- Leader Bank Bank · HQ Arlington, MA Its website blocks automated access, so we cannot verify its rates daily. Checked October 22, 2026. Current rates on www.leaderbank.com
- Liberty Bank Bank · HQ Middletown, CT Its website blocks automated access, so we cannot verify its rates daily. Checked October 22, 2026. Current rates on www.liberty-bank.com
- Needham Bank Bank · HQ Needham, MA Its website blocks automated access, so we cannot verify its rates daily. Checked October 22, 2026. Current rates on www.needhambank.com
Compare with public benchmarks
The highest tracked quote is 4.75% APY for 36 months. The Treasury APY-equivalent for a similar term is 4.95% (2026-10-21). The FDIC national average for a similar term is 1.39% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Arise Financial has the highest APY in this tracked sample of 13 institutions: 4.75% APY for 36 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes