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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Massachusetts
Below are three-year CD Rates from banks in Massachusetts. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
MA - December 23, 2024
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.50% |
$1,000 |
- |
Learn More
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Rate History: 0.40% → 0.25% → 0.35% → 4.50% |
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4.10% |
$500 |
- |
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Rate History: 4.00% → 4.10% |
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James A. Elder | Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More |
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4.00% |
$10 |
- |
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Stephen Clinton | Jan 9, 2021 Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More |
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4.00% |
$500 |
- |
Learn More
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Rate History: 4.00% → 4.50% → 4.25% → 4.00% |
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4.00% 1.50% |
$501 $500 |
- |
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Rate History: 1.00% → 4.25% → 4.00% |
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4.00% 3.25% |
$25,000 $500 |
- |
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Rate History: 1.00% → 4.00% → 3.25% → 4.00% |
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Richard Cushing | Mar 27, 2019 Still waiting for a call back from Liz over a long standing,annoying account problem Read More |
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3.90% |
$500 |
- |
Learn More
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|
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Rate History: 4.05% → 3.90% |
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|
3.89% 3.25% |
$500 $501 |
- |
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|
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Rate History: 1.35% → 3.89% |
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3.85% |
$1,000 |
- |
Learn More
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Rate History: 4.00% → 3.90% → 3.85% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.75% |
$1,000 |
- |
Learn More
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3.75% |
$1,000 |
- |
Learn More
|
|
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Rate History: 4.25% → 4.00% → 4.15% → 4.05% → 3.75% |
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Jacob | Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More |
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3.60% |
$0 |
- |
Learn More
|
|
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Rate History: 4.10% → 4.00% → 3.75% → 3.60% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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3.60% |
$0 |
- |
Learn More
|
|
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Rate History: 3.25% → 3.60% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
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3.50% |
$1,000 |
- |
Learn More
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Rate History: 1.00% → 1.25% → 4.00% → 3.50% |
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3.50% |
$1,000 |
- |
Learn More
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Shawn | Feb 14, 2022 I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More |
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3.50% |
$1,000 |
- |
Learn More
|
|
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Rate History: 4.50% → 4.40% → 4.00% → 3.75% → 3.50% |
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|
3.50% |
$500 |
- |
Learn More
|
|
|
Rate History: 2.27% → 3.50% |
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3.50% |
$2,000 |
- |
Learn More
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|
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Rate History: 0.30% → 0.20% → 0.30% → 0.20% → 3.50% |
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3.36% |
$1,000 |
- |
Learn More
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3.25% |
$20 |
- |
Learn More
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Rate History: 2.50% → 3.00% → 4.00% → 3.50% → 3.25% |
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Andrea | Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More |
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3.05% |
$5,000 |
- |
Learn More
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|
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Rate History: 3.56% → 3.30% → 3.05% |
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3.05% |
$1,000 |
- |
Learn More
|
|
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Rate History: 3.98% → 3.56% → 3.67% → 3.15% → 3.05% |
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sur | Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More |
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3.04% |
$500 |
- |
Learn More
|
|
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Rate History: 4.07% → 3.81% → 3.82% → 3.30% → 3.04% |
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3.03% 2.52% |
$501 $500 |
- |
Learn More
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|
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Rate History: 1.00% → 3.03% |
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3.00% |
$1,000 |
- |
Learn More
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3.00% |
$1,000 |
- |
Learn More
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3.00% |
$500 |
- |
Learn More
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|
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Rate History: 0.75% → 0.35% → 3.00% |
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2.85% |
$5,000 |
- |
Learn More
|
|
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Rate History: 3.10% → 2.85% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.75% |
$500 |
- |
Learn More
|
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Rate History: 1.00% → 3.00% → 2.75% |
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2.50% |
$1,000 |
- |
Learn More
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2.50% |
$1,000 |
- |
Learn More
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|
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Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50% |
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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2.50% |
$500 |
- |
Learn More
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2.30% |
$500 |
- |
Learn More
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|
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Rate History: 1.00% → 2.25% → 2.30% |
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2.25% |
$500 |
- |
Learn More
|
|
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Rate History: 1.00% → 2.77% → 0.76% → 2.25% |
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2.25% |
$1,000 |
- |
Learn More
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2.00% |
$1,000 |
- |
Learn More
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2.00% 0.35% |
$10,000 $500 |
- |
Learn More
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DMuessig | Jan 8, 2018 Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More |
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2.00% |
$1,000 |
- |
Learn More
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|
2.00% |
$0 |
- |
Learn More
|
|
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Rate History: 2.35% → 2.00% |
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2.00% |
$1,000 |
- |
Learn More
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|
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Rate History: 1.00% → 2.00% |
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|
2.00% |
$0 |
- |
Learn More
|
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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2.00% |
$10,000 |
- |
Learn More
|
|
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.75% |
$500 |
- |
Learn More
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1.70% |
$1,000 |
- |
Learn More
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1.69% |
$500 |
- |
Learn More
|
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1.66% |
$10,000 |
- |
Learn More
|
|
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Rate History: 2.02% → 1.66% |
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1.55% |
$1,000 |
- |
Learn More
|
|
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Rate History: 2.75% → 2.55% → 1.55% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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1.53% |
$10 |
- |
Learn More
|
|
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Rate History: 1.79% → 0.05% → 1.79% → 1.53% |
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1.50% |
$500 |
- |
Learn More
|
|
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1.50% |
$1,000 |
- |
Learn More
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|
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1.41% |
$500 |
- |
Learn More
|
|
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Rate History: 1.04% → 1.41% |
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1.25% 0.35% |
$500 $501 |
- |
Learn More
|
|
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Rate History: 1.25% → 0.35% → 1.25% |
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|
1.20% |
$1,000 |
- |
Learn More
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|
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1.16% |
$10,000 |
- |
Learn More
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|
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1.15% |
$500 |
- |
Learn More
|
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1.00% |
$10 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
|
|
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1.00% |
$10,000 |
- |
Learn More
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0.90% |
$10,000 |
- |
Learn More
|
|
|
Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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0.85% |
$1,000 |
- |
Learn More
|
|
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0.85% |
$10,000 |
- |
Learn More
|
|
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cfcbjm | Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More |
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0.80% |
$10,000 |
- |
Learn More
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|
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0.75% |
$500 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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rand | Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More |
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0.75% |
$10,000 |
- |
Learn More
|
|
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0.75% |
$500 |
- |
Learn More
|
|
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Rate History: 0.55% → 0.75% |
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0.75% |
$500 |
- |
Learn More
|
|
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Rate History: 2.50% → 0.75% → 2.50% → 0.75% |
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Karen nicoli | Jan 23, 2017 2.50 Read More |
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0.75% |
$500 |
- |
Learn More
|
|
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Rate History: 1.00% → 3.56% → 0.75% |
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0.70% |
$10 |
- |
Learn More
|
|
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Rate History: 0.60% → 0.70% |
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0.70% |
$10,000 |
- |
Learn More
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0.70% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$1,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$500 |
- |
Learn More
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0.60% |
$500 |
- |
Learn More
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Rate History: 0.65% → 0.60% |
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0.60% |
$10,000 |
- |
Learn More
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0.55% |
$10,000 |
- |
Learn More
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Bill Quinn | Feb 21, 2015 Interesting. Is there an approximate Texas ratio for a bank at which other banks may become very interested in an acquisition. Read More |
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0.55% |
$500 |
- |
Learn More
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0.55% |
$1,000 |
- |
Learn More
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Rate History: 1.00% → 0.55% |
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0.50% |
$10,000 |
- |
Learn More
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Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$500 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$1,000 |
- |
Learn More
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Rate History: 1.00% → 0.50% |
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0.50% |
$500 |
- |
Learn More
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Rate History: 0.50% → 0.55% → 0.50% |
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Thomas DeMauro | Aug 28, 2022 Rates are totally uncompetitive now. Read More |
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0.50% |
$500 |
- |
Learn More
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0.50% |
$10 |
- |
Learn More
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0.45% |
$1,000 |
- |
Learn More
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Rate History: 0.40% → 0.50% → 0.45% |
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0.45% |
$1,000 |
- |
Learn More
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0.45% |
$10 |
- |
Learn More
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0.40% |
$50,000 |
- |
Learn More
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0.40% |
$1,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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0.35% |
$500 |
- |
Learn More
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0.30% |
$1,000 |
- |
Learn More
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0.30% |
$500 |
- |
Learn More
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0.30% |
$1,000 |
- |
Learn More
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0.30% |
$1,000 |
- |
Learn More
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0.25% |
$1,000 |
- |
Learn More
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0.25% |
$500 |
- |
Learn More
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Rate History: 0.35% → 0.25% |
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0.20% |
$100,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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Denyse DuBrucq | Jan 1, 2016 I very much prefer banking here. Everyone is so friendly and know who is calling by voice. Your help getting me through this year where I did as much as possible to launch my business, CryoRain Inc., is ... Read More |
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0.20% |
$500 |
- |
Learn More
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0.15% |
$10,000 |
- |
Learn More
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marcus | Nov 1, 2021 worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More |
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0.15% |
$10,000 |
- |
Learn More
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0.15% |
$10,000 |
- |
Learn More
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|
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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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|
0.10% |
$500 |
- |
Learn More
|
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.10% |
$1,000 |
- |
Learn More
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0.10% |
$500 |
- |
Learn More
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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0.10% |
$1,000 |
- |
Learn More
|
|
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Rate History: 1.00% → 2.50% → 0.10% |
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John Darretta | Nov 13, 2019 My favorite bank in South Dennis MA. There are always sufficient enough staff so that there is never a long waiting line. And the staff is always pleasant and efficient. Read More |
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0.05% |
$2,500 |
- |
Learn More
|
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Rate History: 0.02% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.03% |
$25,000 |
- |
Learn More
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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0.03% |
$100,000 |
- |
Learn More
|
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates