Certificates of Deposit


Our CDs offer great competitive rates and are a great tool for building your short, intermediate, and long-term savings. By leveraging our many term lengths, you can take advantage of both rising and falling interest rate climates to maximize your saving potential. When you believe rates will rise, use our short-term length CDs to keep upgrading to higher rates. When you believe rates may fall, use longer term lengths to lock in the current highs. And by using a “laddering” technique, you can open multiple CDs, staggering their maturity dates so that you are always investing at the current highest rate.

Nowhere is it easier to save than at Mass Bay! From regular savings, to money market accounts, CDs, IRAs and Club Accounts, Mass Bay has all of today’s best deposit options all in one place, ready to be tailored to your individual needs.  And nowhere is your money safer than it is at Mass Bay.

Insured for at least $250,000 by the NCUA, an agency of the US Government, your funds are also insured for all amounts above the federal limit by the Massachusetts Credit Union agency MSIC. Unlike brokerage and mutual fund deposit accounts, your savings at Mass Bay is safe from market volatility. We give you the high yields without the high risk.