Boston CD Rates (History + Predictions)

See how Boston CD rates have changed over time. Then check out our short-term and long-term predictions for the next 12 months.

What's important to know about our CD data?

• We only include data that is publicly available on websites. Some banks and credit unions require in-person visits or calling for current rates.

• CD rates can change at any time, but we only collect data once per month.

• We generally include the highest rate under 12-months even if it's only for a short term.

• We typically follow the same CD term over time. We notice banks and credit unions seem to keep the same structure across their CDs. Meaning if the 3-month CD is the highest, it generally stays the highest over time.

Who has the highest CD rate?

Riverworks Credit Union

Who has the lowest CD rate?

Commonwealth Bank.

Who has the shortest CD?

Chase (3 months).

What's the difference between the median and mean rate?

The median is the midpoint between all of the CD rates, and the mean is the average.

How do you calculate projections?

We did an evenly distributed decline over time. Please know that these are our simple predictions and actual rates are based on federal reserve policies, market conditions, and each institution's goals.

See Rates Across Boston