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3.80% APY 10 Month CD Special¹

Existing Customers: For a faster experience, log into Online Banking to complete your application.

Savings Calculators

Check out our personal savings calculators to estimate the future value of your savings, make a plan to save towards a goal, and more.

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Your FDIC Insurance Coverage

Learn more about your FDIC deposit insurance. To evaluate the amount of FDIC coverage on your accounts, we suggest you use the estimator tool on the FDIC website.

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Business CD Applications

Ready to open a Business CD? We're here to help.

Visit A Branch

Your CD will automatically renew at maturity, and you will have 10 calendar days once it matures to make changes to your account. The renewal term will be the same as your current term, except for CD Specials. CD Specials will renew for the closest shorter term to your current term. The renewal will be at the standard interest rate and Annual Percentage Yield (APY) in effect at maturity.
1. Using our CD Management tool in Online or Mobile Banking:
  In Online Banking, select Account Management, then CD Management.
  In the Mobile App, select More, then CD Management.
2. Notifying us of changes through secure email within Online or Mobile Banking.
3. Call us at 888.418.5626
4. Completing the Certificate of Deposit Authorization to Change form which is mailed 45 days in advance of your CD maturity.
Forms can be mailed to:
1374 Massachusetts Ave
Cambridge, MA 02138
Or brought to your local branch.
Once your CD reaches maturity, you will have 10 calendar days to make changes to your account.
1. Using our CD Management tool in Online or Mobile Banking:
  In Online Banking, select Account Management, then CD Management.
  In the Mobile App, select More, then CD Management.
2. Notifying us of changes through secure email within Online or Mobile Banking.
3. Call us at 888.418.5626
4. Completing the Certificate of Deposit Authorization to Change form which is mailed 45 days in advance of your CD maturity.
Forms can be mailed to:
1374 Massachusetts Ave
Cambridge, MA 02138
Or brought to your local branch.

CD Accounts

¹Annual Percentage Yields (APYs) are accurate as of 2/3/2025. Rates are subject to change without notice. The APY is based on monthly compounding with interest remaining on deposit until maturity. $10 minimum daily balance required to earn APY. After the account has been opened no additional deposits are permitted. Minimum deposit to open account is $1,000. All CDs are available as Retirement Plans with a $500 opening deposit. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings. For more information, please refer to our disclosures . You must live or work in Massachusetts.

²The APY is based on monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. All CDs are available as Retirement Plans with a $500 opening deposit. Substantial penalties for early withdrawals may be imposed. You must live or work in Massachusetts to take advantage of this CD Special. Withdrawals and penalties may reduce earnings. For more information, please refer to our Personal Account Fee Schedule, Understanding Your Deposit Account for Deposits Account Handbook, and CD Special Disclosure.

³The APY is based on monthly compounding with funds held to maturity. After the account has been opened, no additional deposits to this IRA CD Special are permitted. Available for Retirement Plans only. Substantial penalties for early withdrawals may be imposed. Withdrawals and penalties may reduce earnings. You must live or work in Massachusetts to take advantage of this IRA CD Special. For more information, please refer to our Personal Account Fee Schedule, Understanding your Deposit Account for Personal Accounts Handbook, and IRA CD Special Disclosure.

Save More And Reach Your Goals Faster

What happens when my CD matures?

How do I manage my funds once my CD matures?