Middlesex Savings Bank CD Rates exemplify the practicality and appeal of Certificate of Deposit investments in general. With a range of terms and competitive Annual Percentage Yields (APYs), these CDs offer investors a strategic avenue for balancing risk and return.

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Middlesex Savings Bank CD Rates Offers

Most competitive CD offers are explained in the section below;

3-5 Month, 6-11 Month, 12-23 Month CD Term

  • Minimum Deposit: $250
  • APY (Annual Percentage Yield): 5.25%, 5.00%


  • Shorter terms may offer less flexibility for adjusting your investment strategy.
  • Plan for what to do with funds once the term concludes.

Pros & Cons

Quick LiquidityLimited Flexibility
Higher APYsShort-Term Commitment
Suitable for Short HorizonRoll-Over Decision

24-35 Month, 36-47 Month, 48-59 Month CD Term

  • Minimum Deposit: $250
  • APY: 4.00%


  • Suitable for those looking for a balance between short-term and long-term gains.
  • 4.00% APY offers a stable return, but market fluctuations may impact future rates.

Pros & Cons

Mid-Term InvestmentMedium-Term Strategy
Stable 4.00% APYInterest Rate Stability
Balanced LiquidityMarket Fluctuations Impact

60-71 Month CD Term

  • Minimum Deposit: $250
  • APY: 3.75%


  • Long-term commitment requires careful consideration of financial goals.
  • 0Be aware of potential changes in market conditions that may impact long-term investments.

Pros & Cons

Long-Term GrowthExtended Commitment
Competitive 3.75% APYMarket Condition Sensitivity

Are Middlesex Savings Bank CD Rates Competitive?

Middlesex Savings Bank CD rates appear to be competitive, especially in the context of the provided data. The bank offers a range of CD terms with varying APYs, catering to investors with different time horizons.

The 5.00% APY for the 3-5 Month, 6-11 Month, and 12-23 Month terms are notably attractive, providing a higher return for shorter commitments. The mid-term CD rates at 4.00% also position Middlesex Savings Bank as a solid choice for those seeking a balance between short and long-term investments.

While the 3.75% APY for the 60-71 Month term is slightly lower, it remains competitive for a more extended commitment. The bank’s minimum deposit requirement of $250 is accessible to many investors. However, individuals should carefully consider their financial goals and the trade-off between higher returns and the length of the investment horizon

Overview Middlesex Savings Bank 

Middlesex Savings Bank, founded in 1835, has been serving Massachusetts with some of the best values and commitments to its community. With no mutual shareholdings, Middlesex Bank always puts the customer, and their savings, above all else. With opportunities for significant savings and loan rates, the customer has access to services that are tailored to their needs. Great rates and excellent customer service are what set Middlesex Savings Bank apart from all of the rest. 


In order to open a CD at Middlesex Savings Bank, you must first become a member. To do so, all you need is to open either a checking or savings account at one of their branches. Middlesex offers a Freedom Platinum membership option, which allows the customer to have access to higher CD rates and saving options within their checking account. 

Locations Middlesex Savings Bank

Branches in Massachusetts

The branches in Massachusetts are:

Acton, Ashland, Bedford, Bellingham, Concord, Framingham, Franklin, Groton, Holliston, Hopkinton, Hudson, Littleton, Maynard, Medfield, Medway, Millis, Natick, Needham, Sherborn, Southborough, Sudbury, Walpole, Wayland Center, Wayland, Wellesley, West Concord, West Acton, Westford.

Frequently Asked Questions

Are there any account maintenance fees associated with Middlesex Savings Bank CDs?

Middlesex Savings Bank may not charge account maintenance fees, but it’s advisable to review the specific terms and conditions to confirm.

Can I add additional funds to an existing CD at Middlesex Savings Bank?

Typically, CDs have a fixed deposit amount. However, for more authenticated details confirm with the bank whether additional contributions are allowed.

What options are available at the end of the term for the 36-47 Month CD?

At maturity, you may have the option to withdraw the funds, roll over the CD into a new term, or explore other investment options.

Are the CD rates fixed or variable at Middlesex Savings Bank?

CD rates are typically fixed, providing a stable return over the specified term.