Savings Account & MMA Rates
CD (Certificate of Deposit) Rates 
Winter Hill Bank offers Boston-area savers top 60-month CD rates.
It’s paying 2.25% APY with a $1,000 minimum deposit.
That’s about a third of a percentage point higher than the top nationally available 60-month CD rate on our CD Rates Leaderboard.
The best nationally available deal now pays just 1.95% APY and is offered by two banks — Intervest National Bank and Tennessee Commerce Bank.
But you have to be a Massachusetts resident to purchase Winter Hill’s certificates of deposit and live in this local bank’s footprint, which includes Somerville and its surrounding communities as well as North Reading.
You must also buy CDs in person. Winter Hill Bank (www.winterhillbank.com) has three branches in Somerville and a fourth in North Reading.
If you live in Massachusetts but can’t take advantage of this deal, take a look at the 60-month, 2.4% APY CD rates offered at Service Credit Union.
See how these returns compare with the best CD rates from scores of banks in our extensive database.
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