Middlesex Savings Bank offers a .30% APY rate for any CD 12 months or longer. This is a great opportunity for flexibility and quick access to your saved funds. A minimum deposit of $250 is required for all CD accounts with a minimum rolling balance of $10. 

For those who wish to have a short-term investment, Middlesex Savings Bank offers a 3-5-month CD with an APY of .10% or a 6-11 month CD option with an APY of .20%. Each of these CDs will payout once they reach maturity. 

Another option Middlesex Savings Bank offers is the Freedom Platinum series of CDs with an increased APY of .40% for 12 or more months. This offer is available to those who enroll in the Freedom Platinum checking account when they sign up for membership. This is optional but adds a high APY when compared to the standard CD rate of .30 APY for the 12-month term. 

Middlesex Savings Bank provides its members with seven CD options, each dependent on a set time frame. Each CD requires a minimum deposit of $250 and a minimum balance of $10. More than $250 can be invested, but it is not necessary to get the best rate available. CD options range from 3 to 71 months. The 3-month CD starts with an APY of .10% and increases to .30% at 12 months. Each CD at Middlesex Savings Bank is subject to early withdrawal fees. 

“NOW” and “Bus. NOW” are in reference to “NOW Checking” and “Business NOW Checking” Accounts. “All” are in reference to Statement and Passbook Savings Accounts. “Annual Percent. Yield” is in reference to “Annual Percentage Yield”. “Freedom Gold MF” and “Platinum MF” are in reference to “Freedom Gold Money Fund” and “Freedom Platinum Money Fund” Accounts. “CD” is in reference to Certificates of Deposit.


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. 

Branches in Massachusetts

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

Bank Overview

Middlesex Savings Bank, founded in 1835, has been serving Massachusetts with some of the best values and commitments to their 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.